davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

To Whom It May Concern : I began making payments on my student loan in XXXX and have not missed or been late on a single payment. I set up autopay in XXXX and have continued using autopay up until today - same bank, same account. 

For no reason that I can discern, my XX/XX/XXXX autopay failed to debit from my bank account. This has never happened before. This was not due to insufficient funds or to any action taken on my part. 

I received an email notifying me of my " missed '' payment, and promptly logged into my account. As a result of this " missed '' payment, I noticed ( but was never notified ) that I lost the 1 % on-time customer interest rate reduction that I had earned for making my first 48 loan payments on time. 

I just called Nelnet to get them to fix this. After spending 47:03 on the phone, as well as paying the " missed '' XX/XX/XXXX payment, they said they can't do anything about this issue, and will " look into it. '' I was told " someone will probably call you back in 3-5 days. '' I smell a rat. The mistake was made on their end, and serves their purposes. 

Is Nelnet purposefully " missing '' a payment from on-time customers so that it can quietly take away their 1 % interest rate reduction, and then attempt to drown them in a sea of bureaucracy when ( if ) they notice and complain? 

Class action lawsuit? 

Expecting resolution of this matter, along with apology, as well as restitution, immediately. 

Sincerely, [ redacted for purposes of publication ]
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made a payment of {$200.00} to a seller that was selling shoes and clothing through an instagram account. 

I made the payment using XXXX by XXXX on the Chase XXXX and assumed, since the option was in the Chase XXXX itself, it would be simple enough to have the payment canceled if I ended up getting scammed. 

After I sent the seller my payment, he blocked me on XXXX, meaning I could no longer contact him whatsoever. I tried contacting the seller about the scam on 4 seperate XXXX accounts, only to have them all blocked as well. 

The following day, XX/XX/XXXX, I called my bank to see if there was anyway for them to cancel my payment, but according to them there was nothing they could do, and using XXXX was the equivalent of handing the seller cash. This took me by surprise as I thought XXXX would have had a strong connection with my bank and a strong protection program, considering the option to pay was right in Chase 's XXXX, but apparently I was wrong. 

I'm XXXX XXXX XXXX and I really don't want to get into a huge law enforcement mess, as I'm pretty sure that will cost me more money than I'm trying to get back and a lot of stress, all I want is my {$200.00} back that I assumed would have been protected by my bank. 

The sellers XXXX account XXXX ( that's two underscores ). 

Thank you for taking your time to hear my concerns, and I really hope to hear back from you soon!
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the date below, but when I reached out to you, you changed it late from XX/XX/2017 and you place it on XX/XX/2017. 

It was late XX/XX/2017 and now it shows that it was late XX/XX/2017 - that's strange? 

I am not sure how this happened, or how your can your company make this error ... And I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2020-02-06
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 — Investigation took more than 30 days
Company: National Credit Services, Inc. (DC)

I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jvs group (TX)

I sent a letter requesting specific information concerning the debt. I have not received ANY information per my request. The first letter and fax they claimed not to get. I then received a very strange letter in the mail but still NO evidence or ANY information concerning the debt.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports Innovis, XXXX XXXX and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CO)

Hello I'm currently assisting my elderly parents on a home re-finance. This has been through Navy Federal Credit Union. 

The process started on XX/XX/2020. It has still not closed. I have provided all necessary documents within 24 hours ( without delay on my end ) of me being asked for any documentation. 

At the inception of the loan process Navy Federal advised that they were having delays because of the volume taking place. I can understand that. 

However I have had very little communication with my loan processor. I have emailed, called and left voicemails. When I had 1 response to call me as I had additional questions it was again followed by no more responses. 

Personally this has been one of the most unprofessional financial transactions I have ever dealt with. I finally did get some traction however. On XX/XX/XXXX after responding to a survey from Navy Fed if I was still interested in the mortgage I had a response from a REL Resolution Specialist. This person appears to be getting everything back on track and is responding within 3-6 hours of my emails.

After this help it seems like the loan processor created a new application in error then sent a corrected one. It's now been quiet again and I'm still waiting. I wanted extra insurance and signed a rate lock because I'm not confident Navy Fed can deliver this loan in a timely manner. 

Navy Fed also has a large amount of older Veterans that they work for and I think it's a shame that they allow this level of service to occur.

While I may not have all proof of incoming calls. I have kept all my email correspondence with them.
Consumer complaint received 2023-08-11
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. (CA)

This was my follow up complaint, and it is still me informing the Equifax Bureau that I was requesting them to remove and block the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Whats more, the details they provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry. I once again kindly remind the Equifax Bureau for their assistance in promptly removing this remaining unauthorized inquiry from my credit report : EQUIFAX : XXXX XX/XX/2023
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (GA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.
Consumer complaint received 2022-09-08
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)

XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sales Consultant : XXXX XXXX XXXX XXXX XXXX So I was trying to go through a fresh start program with XXXX XXXX XXXX.. I received several phone calls and text messages stating that the program was and income based program and no credit check was involved. I was told that I had to be in XXXX by XXXX XXXX ... 

I have given this company all of my personal information. My identity is now at risk for this fraudulent advertisement. They are trying to legally steal my identifiable information. 
Someone please stop this company from stealing peoples indenture. 

They ran a hard inquiry on my credit after saying that the program was not based on credit. They came back and asked me for tags, titling and processing fees after telling me that the program was 100 % financing. 

They have wasted my money for travel to there office and my time. I asked them several times if I needed to bring any cash deposit and I was told no. 

Im a service connected XXXX and they would not give me my information back. I want this company sued and for them to release every customers information back to them.
Consumer complaint received 2019-04-08
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. (TX)

I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! XXXX and Experian are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX billing cycle show two payments one for XX/XX/XXXX and one for XX/XX/XXXX. the XX/XX/XXXX payment was credited to the wrong month XX/XX/XXXX and a XXXX late fee happened. The statement date is the XX/XX/XXXXof every month. I am on ssdi and is paid on or around the third of every month. I have used my banks bill pay service and never had a payment prepossessed to early. The same issue happened again in XX/XX/XXXX statement. two payments made on the same month. by the dates the second payment was after the XX/XX/XXXX of the closing date again and paid on the second day of the month. Called capital one and they said there two closing dates one on the statement and one that the billing cycle. and that the payment cam in on the second they were processed on the prev billing cycle. I spoke to multiple people 5 days apart on the second late fee of XXXX to have it removed. they would not remove it as they said it was on there billing cycle. I told them by truth in lending law the XX/XX/XXXX of the month was the closing date for payments. any payment after the XX/XX/XXXX had to be posted to the next month billing. there cant be two closing/billing cycle dates. they will not remove the second late fee of the account any penalty for it.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (WI)

I sent {$100.00} from XXXX as to XXXX XXXX on Friday XX/XX/2019 Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX IN REVIEW XXXX {$1800.00} Your transfer is currently in review. 

Your transaction will be reviewed by XXXX XX/XX/XXXX PDT. 
TRACK YOUR TRANSFER And still not available for pick up! I tried to talk to them and nobody can get back to me! 
Please help my mom needs the money
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Equifax unfroze my account without my authorization. 
I froze my credit with all three credit agencies in XX/XX/XXXX. My credit has been frozen since XXXX, excluding brief periods in XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, Equifax provided my credit report to XXXX XXXX XXXX for someone applying for an account using my SSN and DOB. XXXX XXXX XXXX investigated the account and confirmed that it was created without my authorization. 
I have contacted Equifax ( a ) to freeze my account ( which should have been frozen all along -- I have the documentation ) and ( b ) to let them know I am filing complaints with the CFPB and the Pennsylvania Office of Attorney General. 
I have sent documentation to Equifax ( do not want to include/post it here ).
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 informationisinaccurate.
Consumer complaint received 2019-04-08
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: Medical Data Systems, Inc. (NC)

XX/XX/2019 I put in a dispute for collection account Medical Data Systems Inc for {$1700.00}, the original creditor is XXXX XXXX University XXXX. This is on my XXXX  report that was disputed through XXXX XXXX. The DOD is incorrect ; Re-aging is illegal. On XX/XX/XXXX I received an email stating dispute was completed, my account is correct and it will stay on my credit report.
Consumer complaint received 2019-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sierra Holdings LLC (SC)

On XX/XX/19 I obtained a copy of my credit report from the three bureaus, listed on the report was a charged off auto loan listed by XXXX XXXX XXXX. I asked them to validate the debt because I know the account had been paid by the co-signer and removed from the co-signers account. I did not receive validation of the debt from XXXX XXXX XXXX. I went on to their website on XX/XX/2019 to find that they have transferred all of their accounts to a new company, XXXX XXXX XXXX XXXX ( XXXX ). I contacted XXXX and was advised by both a representative and manager that they have no record of the account and was given an email address to contact XXXX XXXX because they no longer have a telephone number. The email address I was given was faulty and not accurate. I have no way of contacting the creditor, XXXX XXXX XXXX, who has listed the account on my report, leaving me with no possible way to remove the item from my 3 credit reports. I have sent certified letters, emails, numerous phone calls with no response. I contacted the bureaus and was advised to do exactly what I have already done for the last 40 days.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.
Consumer complaint received 2021-02-09
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.
Consumer complaint received 2022-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC (PA)

Dear Representative, I am in a situation that is very complex. A creditor ( XXXX XXXX XXXX  ) sold my debt off to a debt collector/agency who has never contacted me about it. I lost track of the debt, as I had moved several times and had a tough time with job loss and financial difficulty in XXXX. As a result of my effort to clean up my credit reports, I found out that the debt still exists and has been reported as " sold to another office/agency '', balance 'charged off '. 

There were never any attempts by the debt agency, JTM Capital Management LLC, to collect the balance they bought from XXXX XXXX XXXX. The debt amount was last reported as {$550.00}. I have yet to receive any sort of correspondence validating this. 

I have no way of getting in contact with this JTM Capital Management LLC. They have been flagged as having a history of too many complaints by the XXXX ( https : XXXX ) and none of their phone numbers given to me by XXXX XXXX XXXX are active : XXXX, XXXX. 

I've spent hours on the phone with XXXX XXXX XXXX, the original creditor to rectify the situation and I've asked them many times for help. The only response they give me is to contact the debt agency and let the credit reports know by submitting disputes. I've done all of this and noone is able to help me remove this debt from my report. I am willing to pay this debt but there's noone I can pay it to. 

I've submitted two disputes to XXXX. XXXX reached out to XXXX XXXX XXXX concerning the dispute and the bank keeps telling them the debt is legit, yet they have no way of getting me in touch with the Debt agency that has this debt!!! 

I am very disturbed and very concerned about the behavior and function of XXXX XXXX XXXX XXXX credit card department as well as XXXX 's inability to rectify or help with this situation. I have no other place to go and hope you can help me. All I am trying to do is get a hold of the JTM Capital Management LLC debt agency who has my XXXX XXXX XXXX debt so I can pay it off and remove it from my reports! 

I have also reported this as a complaint to the State of Missouri 's Attorney General 's office. This is where XXXX XXXX XXXXi is head quartered. See attached letters. 

Please please help me! 

XXXX XXXX