davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

After experiencing a problem transferring money via XXXX from XXXX  to TD Bank, I came upon, what I now know to was a bogus XXXX website. I called a fraudulent " XXXX '' phone number and did not realize that I was NOT speaking with a legitimate XXXX agent. 
He told me to download XXXX, so that he could view everything I was doing on my phone. He then told me to make 2 transfers to a " dummy '' account, in order to test my XXXX account. I was told to authorize the transfers but, that the money would bounce right back into my account. When it did not, the agent told me that he had to look further into the issue. 
After the call, I realized that I was scammed and IMMEDIATELY called the TD Bank fraud department. I explained exactly what had occurred and was told that the fraud dept was familiar with this type of scam and that I didn't have to worry about being reimbursed. However, my claim was denied because I authorized the transfer, which I only did because I thought that I was speaking with a legitimate XXXX agent. I have lost {$1500.00}. TD Bank can see that I don't use XXXX often and I have NEVER transferred funds to this person in the past. 
In addition, I had issues receiving store refunds that were not processed to my debit card because my card had to be replaced and my bank account had to be restricted. I was assured that I would have no problems, once my old account was restricted but that was not the case.
Consumer complaint received 2020-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

I try to defer my loan with Nelnet and they keep rejecting it either because the form is wrong or the documentation is not acceptable, sometimes both, one after the other. 

I go over the form and documentation with a rep on the phone make corrections and resubmit after the rep confirms that the form and documents meet the criteria. Only to be later rejected again for the same reason. This circle has been going on for over a year. 

After my last complaint I resubmitted and the rep confirmed the information. I again got a follow up call last month saying that I was rejected for the same reasons again. I want all of the records and recordings of the last call, as well as a document that shows specifically what I am missing. I also want oversight on this company and a call from the director level. There is clearly no accountability by the federal gov. on Nelnet and other lenders. This is shameful.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to Experian but has not received any assistance. The account has been deleted with XXXX  and XXXX  however my Experian credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar mortgage aka Mr. Cooper was my mortgage loan servicer until they sold my Mortgage and transferred servicing to XXXX XXXX XXXX XXXX in XXXX 2018. 

Nation star has previously removed this 30 day late from one of the three bureaus as was requested over a year ago but for some unknown reason they are being obstinant about removing this very same 30 day late from the remaining XXXX or XXXX XXXX bureau that still shows it as a derogatory 30 day late. 

this payment was never 30 days late it was paid to nation star during the time of the transfer and they did not log it properly and I was told they did not log it properly and forward it to the new lender servicer per protocol I was furthermore told that they could not legally report any late payments to any bureau as the consumer By law when a mortgage loan is being transferred for 60 days there can be no late charges or late reported because of the confusion that often occurs with the transfer and sale. 

nationstar, on a phone call sometime in XX/XX/2018 confirmed receipt of payment and said not to worry, they could not legally report lates to the bureaus - she said consumers are protected by law against that happening during time of a mortgage loan transfer for 60 days before and even 60 days after transfer, the new lender could not report any lates either. 

i have asked XXXX and/or XXXX to investigate the incorrect reporting but nationstar without properly investigating the Details just sends boilerplate response with no explanation and not correcting their error - remove the 30 day late reported in error. 

Nationstar is not properly investigating this sale and transfer of my mortgage during fall of XXXX because if they had they would have already deleted the 30 day late that is being reported erroneously and i would not be forced to ask the CFPB to step in at this point to get them to fix their error once and for all.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received an email from Capital One saying the following : " Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. '' I received no warning that it was going to close. I keep this card in case of emergencies. ( There was a time when I lost my primary credit card and struggled to pay for things for a while. ) I called customer service today ( XX/XX/XXXX ) and asked to keep the card open. They declined. They said they can't " change the status in the system, '' but they can send me the value of the rewards on the card ( worth around {$10.00} ) as a check. They confirmed that I received no warnings that my account was going to be closed.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONTRACT CALLERS INC (NY)

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Pay Pal *XXXX  c/o XXXX  or visa versa on XX/XX/2020 took XXXX out of visa credit card account and never delivered the product as discussed a portable desks. Over 24 emails have taken place between and now and the names and everything have changed. I hold Pay Pal responsible for sponsoring fradulant companies over seas that don't send products. This company c/o Pay Pal XXXX presented themselves as being in the US or I would not have ordered. Something needs to be done about this taking advantage of ppl because of a pandemic. 

Then they tried to offer me XXXX up to XXXX for my " troubles '' '' I want the whole XXXX back no product. XXXX .. XXXX ( I have no idea who the heck this is and how it went from paypal to XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (PA)

I have a loan with XXXX XXXX XXXX  XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (PA)

I have a loan with XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United Acceptance Inc. (TX)

I had a car loan with United Acceptance beginning in XXXX. During the government shutdown in XXXX, it resulted in me falling behind and I was not able to recover from that. Eventually around this same time, or no later than XXXX, the car was eventually repossessed. They eventually sold the car at auction and my account was XXXX out. They are no indicating that I made a payment in XXXX, which I do not believe was the case. It has continued to report on my credit reports. I have contacted them in an effort to get this resolved but they appear to be unwilling to resolve this matter. At this time this debt appears to be obsolete and with a XXXX balance showing what more would they required from me?
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NY)

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX I sent a payment from my XXXX checking account in the amount of {$740.00} to American Express Delta Card. I used an old EFT transfer instead of a new Bill Pay and the money never applied to our credit card. After about 15 days or so we called American Express and the lady we spoke to did a scan of payments in their system for XX/XX/XXXX in the amount of {$740.00} and said she found it and would apply it to our correct credit card account. We waited another 15 days or so and nothing was credited. We called back and there was no record of the money found or a transfer to our credit card. We opened a dispute at that time and it took a long time for American Express to close it after we supplied them all the information we could from XXXX. After American Express closed the dispute we went back to XXXX to see if they could pull the money back but they could not to no avail.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (WI)

American First Finance has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC (NJ)

I have a loan with NYS OTDA, DUVERA FIN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DUVERA FIN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I was the co signer on a XXXX lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted XXXX for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (CA)

The company is currently trying to collect a medical debt payment for a hospital visit in the state of California. I had medical insurance at the time the provider didn't bill even though the hospital had my information. California has been a No Surprise Act State since XXXX. The company was contacted and informed that I do not owe this amount it should have been handled by the insurance. The company refused to contact the insurance even though an EOB was provided showing I had insurance at the time.