davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

Nelnet has violated my federally protected rights under the FDCPA and FTC Rule CFR 433. My student Loan was Transferred to XXXX XXXX then Nelnet without my permission or awareness violating XXXX. For both companies. 
Nelnet failed to provide documentation showing they are the Holder in Due Course which means they have no legal rights to collect. I was never obligated to pay you a third party debt collector for this alleged pursuant to 15 U.S.C. 1692a-3. You have used abusive. deceptive, misleading means to collect on an alleged debt violating 15 USC 1692e. Check attachment for more instructions.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-13
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: AMERICA FIRST FEDERAL CREDIT UNION (NV)

On XX/XX/2022 a Hard inquiry was submitted by America First Credit Union. I never consented to this request. I had no prior knowledge of this request until it showed up on a credit monitoring Emil that I received. I recently opened an account with this credit union. I didnt know that my credit was going to be pulled. If I knew that it would be I wouldnt have opened it since I do NOT need any assistance with credit. My score has been impacted negatively due to this inquiry of my credit.
Consumer complaint received 2020-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc. (FL)

These people call my job everyday all day long and harass me and my coworkers. They are even calling my friends and family. I would like it the harassment to stop. I don't know who they are but I want it to stop.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

This was a scam phone call in order to collect over {$1000.00} in fake debt. The card mentioned was closed a long time ago under my previous ( maiden ) name. They mentioned that my name was not changed, that I still have this card and threatened to take legal action, and attempted to collect money I do not owe, on a credit card that no longer exist. This happened while I was at work and ignored me when I asked questions. I called back and a man answered using my first name. This was not a company! or real debt collector- it is a scam.
Consumer complaint received 2022-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Nelnet who processes my XXXX XXXXXXXX XXXX is lacking in communication. I got a statement notice this morning ( XXXX XXXX ). When I logged on I received a message saying I was late on my payment by 12 days! 
I messaged their customer service and told them I never received an email or paperwork saying the loan was going to start repayment. President Joe Biden extended student loan repayment due dates until XX/XX/2022. 

When I told the customer service representative this they said mine doesnt qualify because its classified as XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX. 

At no time did I ever Receive any communication from Nelnet that said the previous two years of no required payment due to the pandemic was for XXXX XXXX XXXX only, and not XXXX XXXX XXXX XXXX. 

Had I not looked at that statement today I would have been delinquent on my student loan and they would have tarnished my credit report. 

This can be detrimental not only to me but others carrying a similar XXXX XXXX. This company Needs to communicate this type of information much more affectively. My guess is they didn't notify people because they want to collect late payments etc.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

I signed up for a new Business checking account with Wells Fargo for a {$500.00} bonus after I deposit {$2000.00} in new money and make 5 debit card within 60 days. All this was done in the first few weeks of opening the account and I still have not received the bonus. I have already reached out to Wells Fargo twice about this issue and they are stating that the banker did not attach the promo code to my account. I opened the account in a different state and there is no way I will be going to the bank to get this fixed in person when they are more than capable of fixing this on their end. I was given a printed document which clearly stated that the promo code was attached to my account. Please help me with this issue so Wells Fargo does not steal my money. Thank you.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed the collection account XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXThe Credit report of Transunion dated XX/XX/2020 show item deleted from my credit file. Now this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C, 168i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertio
n or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy of completeness of the disputed information.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

I called Discover card on XX/XX/19 about a late fee. The rep waved the XXXX dollar fee. She told me my I owed {$140.00} dollars, I paid the XXXX with that representative. Today, XX/XX/19, I got a bill with the about of XXXX and a late fee. I called again and was told by the supervisor that the representative made a mistake I should have paid the full XXXX. I asked him to have that all waved and he said he couldn't do that. He put me through another supervisor who told my I would have to pay XXXX dollars today and she would remove the rest of the fees. I do not have the extra money to pay that due to my many health issues. if I paid that, I would t eat, get meds, or go to the doctor. They are fraudulently charging people.
Consumer complaint received 2022-12-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2020-12-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.
Consumer complaint received 2020-12-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have repeatedly submitted a dispute to have a USAA credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. XX/XX/XXXX refuses to remove it even though XX/XX/XXXX and XX/XX/XXXX have removed this account from my credit report with them. 

I have tried to contact USAA to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.
Consumer complaint received 2020-12-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.
Consumer complaint received 2022-10-19
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: Early Warning Services, LLC (KS)

This is about the inaccuracy that is inquisitively furnished by Early Warning Services , LLC. on my consumer report. I came to know about this inaccuracy on XX/XX/2022 and due to this inaccuracy I was discriminated against and refused the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Futhermore, according to 15 USC 1681 ( b ) ( a ) ( 2 ), a Consumer Reporting agency may furnish a consumer report ONLY if youve given them written consent to do soI never gave my consent for XXXX XXXX XXXX XXXX to furnish any of my private information.
Consumer complaint received 2020-12-20
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: CITIBANK, N.A. (NY)

contact credit bureau and very seasoned international experts, possible, the interplay between 30 year old data pattern, possible from usa, possible from other country.

possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this.

Credit XXXX XXXX
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (CA)

I applied to XXXX for a XXXX XXXX Mastercard. The letter of denial is 100 % lies or incorrect information. They say Experian is saying all that ; however, XXXX and Experian don't have a direct person that can help me. I also have a XXXX XXXX Visa. I have 100 % payments on time record. My score with XXXX is XXXX! 
XXXX is falsely saying : 1. I have filed a bankruptcy, I NEVER HAD! 
2. XXXX says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards. 
3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. XXXX says the information is based on Experian XXXX XXXX XXXX, XXXX, TX XXXX-XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, CEO XXXX XXXX. And when I requested a report, Experian told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but Experian never sent the email I gave them XXXX.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

There are two issues pertaining to all Wells Fargo accounts I closed on XX/XX/2018. Issue one concerns the secured card collateral of XXXX dollars the bank never returned after closing the secured card. The bank claims it takes 60 days to send out the refund. Issue two concerns the payroll check issued from my employer the bank received, but claims it needed me to provide information from the employer to verify the amount and it's date of issue. After contacting Wells Fargo customer service, the representative claimed that in order to receive any documents that verify the bank received any ACH deposits from the employer, I had to pay XXXX dollars. This is ludicrous! To add insult to injury the customer service person stated that it would take an additional two days before the bank began the process to verify any ACH deposits. Something is definitely amiss and it's time for someone to look into the situation.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AFNI INC. (FL)

afni collection is trying to collect a fraudulent debt I never applied for XXXX XXXX in XXXX that this agency does not call me anymore and do not report any negative account in my report I am already repeating a complaint to the federal agency traffic commission
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (GA)

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, Experian and XX/XX/XXXX, which I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX, Experian and XX/XX/XXXXhave all failed to remove the unverified information from my respective credit reports.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Noticed an unauthorized charged form a cell phone company I have no account with disputed it funds were returned then the following it was taken out my acct again contacted the bank and was told that the investigation was done and my chip was tracked to location which is impossible I contacted the merchant who also offered to give a statement to police stating they never received transaction from me or on the day in question period and I have a case number I'm able o provide which the bank refuse to acknowledge
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit card was declined at a store. I called the credit card company for an explanation and was told there was potential fraud that they would not disclose or describe. They asked that I submit a copy of my drivers license to confirm my identity which I did. A day later I received a call from the card company asking for a copy of my social security card. I refused and again asked what the problem was, again they would not disclose. I asked why the asked for and provided drivers license was inadequate and the agent refused to reveal the reason. I told them to close my account.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.