davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

OnXX/XX/XXXX I applied for a total and XXXX XXXX   Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX  to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 1XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

XXXX. Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX. Inquiry from XXXX on XXXX.I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Please delete all other addresses. 

XXXX. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have had my Citi charge card for many years and not had a balance for more than five years. I keep in in the event of an emergency. I have been paying an annual fee to hang on tot the card as well. Earlier this year i discovered i missed the notice for the annual fee as i receive so many solicitation offers from Citi in the mail. Upon discovering i reached out to Citi and they let me pay and told me they would waive the late fee and would not be reported on my credit. Thought the matter was resolved. SInce then i have been charged late fees and interest on a late fee to the total currently of {$280.00} in fees and {$13.00} in interest for zero purchases. This includes the fact that the annual fee was paid so i am paying late fees and interest on nothing more that a late fee that they told me over the phone would be waived when i paid the fee and was not 30 days late so would not reflect adversely on my credit. In addition to this it REFLECTING ON MY CREDIT ADVERSELY. This is the only late reflecting on my credit and has made a drastic difference on my credit score. I discovered this when applying for a mortgage and being quoted a rate. I have reached out a number of times to Citi and spoken with their customer service as well as escalating it to their management with no success. I feel like the fees are excessive and the practices are unethical as well as deceptive. My hope and ask would be that the fee has been paid by me so that the late fees, interest, and charges as well as removal of the late dates reflecting and impacting my consumer credit report. I am open and willing to have a conversation with the CFPB, Citi, or anyone else pertinent to this matter at any time. thank you in advance for your cooperation. XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (FL)

There are over 10 unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX ( 3 inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I financed my car originally through my bank, XXXX XXXXXXXX XXXX. I dont know why my car loan history has dropped off my credit.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NM)

i recieved collections notice XX/XX/2022 for a debt i had paid for in the last couple years. the problem im having is i paid this debt with a checking account with the bank XXXX XXXX. they are no longer a active bank and i cant find the records.
Consumer complaint received 2019-05-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (TX)

I received notification from my credit report that Consumer Portfolio Services reported that I was late for my car note payments XX/XX/2019 and XX/XX/2019. My monthly payment are due every XXXX of the month. My payment for XXXX is not due until XX/XX/2019. So I am confused as to why it is reporting on my report as 30 days late. I spoke with some one over chat about this and was advised to contact the tradeline department at XXXX. When I contacted this number I was instructed to leave a voice mail message. To date I haven't heard anything from them to resolve this issue. I am requesting that this be removed from my credit report immediately as this is incorrect information.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 

Applied on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX Capital one XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/ XXXX   XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , ND XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX , TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , CA XXXX XXXX
Consumer complaint received 2023-04-06
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TN)

would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 
Chase XXXX Applied on XX/XX/2018 XXXX DE XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX   XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX   XXXX XXXX MN XXXX XXXX Rise XXXX XXXX XXXX TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2019-04-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I made a report onXX/XX/XXXX regarding my mortgage, a breach of contract fromXX/XX/XXXX which caused me to not only become behind after the bank voided the contract unilaterally 2 payments in and after telling me to miss XX/XX/XXXXs payment. The company responded on XX/XX/XXXX to CFPB and I rebutted their lies on XX/XX/XXXX. Less than two weeks later, my loan was sent to foreclosure! I spoke with Mr. XXXX at Wells Fargo on XX/XX/XXXX and was told that he would get together with Ms. XXXX ( home preservation ) to do a manual workout plan so that I could finish school ( summer is my internship ) and pay off my car ( XX/XX/XXXX ). That was a lie and never came to fruition. OnXX/XX/XXXX, I made my scheduled payment but it does not show up ( making it appear that Im further behind ). On XX/XX/XXXX, I spoke extensively with Mr. XXXX however he made no apologies for his lies and stated that I was placed into foreclosure because I was 120 days behind ( behind from XX/XX/XXXX ). I was 156 days behind in XX/XX/XXXX but made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and foreclosure was not sought. This is plain and simple retaliatory behavior by a scandalous bank. My initial complaints were XXXX and XXXX.
Consumer complaint received 2019-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2019 XXXX Sunday my vehicle was stolen from my house with my wallet inside. My Chase debit card was used without my permission or knowledge at a nearby XXXX. I filed a police report with the XXXX PD and was informed that video surveillance was captured of an individual who was not me using my debit card. I received a couple text messages from Chase alerting me of the fraudulent card uses. I cancelled the debit card and had a new on issued. After Chase 's supposed investigation Chase determined these charges to be accurate and are not going to refund my money. Chase 's fraud protection program is false advertisement at best.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST ADVANTAGE CORPORATION (NJ)

I am XXXX. I am trying to get my life back on track. I had an outstanding balance with XXXX XXXX. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost XXXX to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down XXXX point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.
Consumer complaint received 2019-09-28
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. (TX)

I researched further on the XXXX XXXX XXXX that I still pay to on my truck. The credit report shows that XXXX XXXX has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to XXXX XXXX. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, XXXX XXXX XXXX said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! XXXX XXXX has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on XXXX XXXX because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on XXXX XXXX. They know I am XXXX. I believe they took advantage thinking I would not investigate this further. Thanks to Experian that shows XXXX XXXX has a negative mark. 

I complained to you about XXXX XXXX yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on XXXX XXXX so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on XXXX XXXX and penalize them!
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TN)

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( LoanCare ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies.

My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NJ)

ON XX/XX/18 I RECEIVED A TOLL VIOLATION, UNAWARE AS I RECEIVED NO NOTICE FROM NJ XXXX XXXX IT ENDED UP GOING TO A COLLECTION AGENCY. I CONTACTED XXXX XXXX AND PAID THE TOLL DIRECTLY TO THEM. XXXX XXXX XXXX IS STILL ATTEMPTING TO COLLECT THE DEBT. I CAN NOT PROVIDE PROOF BECAUSE MULTIPLE VIOLATIONS WERE PAID ON THE CARD SO MY CARD STATEMENT WILL BE USLESS. I GAVE THE COLLECTION AGENCY THE TRANSACTION NUMBER AND THEY ARE STILL TRYING TO COLLECT THE DEBT. I TOLD THEM TO CONTACT THEIR CLIENT ( NJ XXXX XXXX  ) AND THEY HAVE NOT.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking account online on XX/XX/2019 with the requested {$50.00} opening deposit. I linked my checking account to the new Chase checking account and transferred {$1400.00} into Chase on XX/XX/2019. Chase closed my account with no warning and no reason on XX/XX/2019. I called many times and was always told that I would receive documents and a check with my funds in the mail. I went to see a branch on XX/XX/2019 and he said a check was issued and will arrive no later than XX/XX/2019. It is now XX/XX/2019, I have been lied to for over 2 months and Chase still has not released my funds back to me.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (MN)

Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX  XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX  having XXXX, this is nonsense to keep harassing me.