davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

My student loan SAVE plan reflects a payment I can not afford. I tried to get it redetermined, but their website still displays the incorrect higher amount. I can not afford to pay ANYTHING right now or for the foreseeable future, unless something changes. I have tried to reach them countless times. Each call is met with XXXX hour hold times, and calls are always disconnected before they are answered. Most days I start calling when they open and have been disconnected while on hold XXXX times throughout the day, giving up when they close. Every day for months. I also have submitted several requests to be contacted via their website email form, also without any response. My payment counts only show from XXXX, however I have been paying since XXXX, qualifying me for discharge. The balance is incorrect as well. Additionally, they are reporting on my credit report absolute nonsense that does not coincide with the amount they say I owe or anything else I can find. This has cost me considerable XXXX XXXX points. I feel this is likely illegal. How can I be expected to pay an incorrect amount on an incorrect amount, while simultaneously having different incorrect amounts reported on my credit, and just... ignore it and pay, hoping they straighten it out eventually?
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent Transunion 3 dispute letters in the months of XXXX, XXXX, and XXXX the response i received was that they investigated but showed no proof. In these disputes i sent the copy 's of payments and letters from company 's in question. 

XXXX XXXX - Account # XXXX has been on the deferment program since XX/XX/2020 since before covid-19 started. My payments should show paid and not negative which is hurting my life. 

Also i have sent copy of my continued on time payments of XXXX  XXXX - Account # XXXX, they have neither up dated the on time payments or removed negative payment history or removed accounts all together since they are not accurate.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

On XX/XX/2021, I received an electronic letter from Citi Bank informing me that theyve closed my credit cards, the cited reason is : We frequently review cardmember credit reports, a recent review of yours shows you have too many open revolving credit accounts. 

I found this action to be unfair, the cited reason is not correct and deceptive. My credit score is EXCELLENTXXXX, my credit card utilization is consistently less than 1 %, I pay all my balances in full each month, Ive had 4 car loans, my payment history is flawless, no missed, late, or returned payment ever. The last credit card I opened was more than 6 months ago. 

In fact, I didnt use my Citi Bank credit cards for months until last month after which Citi Bank offered me a Flex Loan, its a personal loan against my credit card line of credit. Unfortunately, I accepted the offer and from what I read online about other customers RECENT experience with Citi Bank, thiss what flagged my accounts for closure. It looks like Citi Bank has been sending Flex Loan offers to its customers only to shut their accounts down after they accept the offer. I personally have been receiving this deceptive offer from Citi Bank by mail, email, and through my online banking for years. I even received another offer last week from them even though I already accepted one. Im confident that the CFPB will be receiving more complaints about this same issue in the coming days.
Consumer complaint received 2020-09-25
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. (AZ)

Equifax ; XXXX and XXXX should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2018-06-18
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 have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX XXXX. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, XXXX, and Experian ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
Consumer complaint received 2021-10-17
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 (AZ)

I had 2 accounts with Capital One that went seriously delinquent due to the pandemic. This put a restriction on use for both the cards. I started a payment plan to get back on track in which I was told would lift the restrictions. My lower lines restriction was lifted after I paid it down. On my higher credit line, I have been making on-time payments for about a year now and I just paid the entries balance of {$1200.00} in full on XX/XX/XXXX. I called today to see what else needs to be done to lift the restriction and the CSR informed me that there was nothing more I can do. Im confused, does this mean my account has been closed? I dont understand why Capital One would keep the account open but restrict usage. I have an auto loan and another card with Capital One and I dont understand why my account is being treated in this way. They offered me an auto loan 3 months ago yet they do not want to allow me access to my credit card? As a consumer, there was no way I could foresee the XXXX pandemic. I believe I have done everything in my power to make amends with Capital One, I dont understand the runaround.
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: EQUIFAX, INC. (GA)

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, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (IL)

Demand by PNC of certain tax filings not required by borrower. Lack of knowledge of tax filing options of SMOD borrowers. Failure to reply or discuss loan. Operation in secret. 

Dear Mr. XXXX, Im concerned you as my banker required certain Tax items not applicable to me or required, both as to payroll costs and XXXX employment income. 

It feels like Tax Advice or a mandate I file as PNC requires. This seems wrong. 

Mr XXXX approved I think correctly my initial application and subsequent acts constitute a requirement a borrower file taxes as PNC dictates. 

A form 2106 may only be filed by limited filers of which I am one. The reporting of such a filer seems beyond the scope of competence you or MsXXXX XXXX or any reviewer to date. 

I dont see why this isnt essentially Tax Advice. Apparently you think you can demand I pay for a tax expert as a condition of borrowing, provide you with tax forms not necessary to my operation. Or insist I file as PNC demands. 

The materials below, seem to indicate improper training, knowledge and audit by you, Ms. XXXX, and even Ms. XXXX. 

Please deposit the loan proceeds of {$20000.00} completed ap, today. Your insistence on documents I dont think I need to file remain improper. 

Thank you, https : //www.irs.gov/government-entities/federal-state-local-governments/tax-withholding-for-government-workers Fee-Basis Officials A fee-basis public official receives and retains remuneration directly from the public. This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. An official who receives salary, even if its called fees, is a common-law employee and is subject to social security and Medicare withholding. Fee-basis public officials are subject to self-employment tax. 

A position compensated by salary and fees is considered a fee-basis position if the fees are the principal source of compensation, unless a state law provides that a position for which any salary is paid is not a fee-basis position. A Section 218 Agreement may provide an exclusion from social security tax for individuals.

Form 2106 Purpose of Form Use Form 2106 if you were an Armed Forces reservist, qualified performing artist, fee-basis state or local government official, or employee with impairment-related work expenses. Due to the suspension of miscellaneous itemized deductions subject to the 2 % floor under section 67 ( a ), employees who do not fit into one of the listed categories may not use Form 2106. See the flowchart below to find out if you must file this form. 



It is my sense my filings are permissible. And it feels like PNC is not only giving Tax Advice but also requiring certain filings as a condition of PPP participation. 


Why do you think I must file certain forms? 

Why isnt that tax advice? 

Or discrimination against SMOD borrowers or any borrower who does what is permissible under the Tax Code, but you simply dont understand.
Consumer complaint received 2020-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The debt has been paid Article 1 section 10 untitled states constitution Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; Mark all payments to on time and paid in full
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-11
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: LEXISNEXIS (MO)

This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX  and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.
Consumer complaint received 2021-06-11
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. (NV)

There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NC)

Hello ... 
This message is to file a complaint against American Express and XXXX XXXX debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for American Express credit card. Unfortunately, my father passed away on XX/XX/XXXX. American Express did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a XXXX XXXX XXXX and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a XXXX year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. American Express and XXXX XXXX debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (IL)

I deposited an envelope into the mailbox at the corner of XXXX  and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Total Card, Inc. (IL)

I applied for a Credit card through total visa. They charged me {$89.00} for processing fee and {$75.00} for annual fee. I paid both before I received the card. The first card took a month to receive so I called in to report card lost. They issued out a second card on XX/XX/XXXX I received the second card approximately XX/XX/XXXX or XX/XX/XXXX. I was not able to create online account to view billing statement because I was waiting on second card to arrive. After the fees were taken out I had a balance of {$220.00} I used the card on XX/XX/XXXX XXXX. On XX/XX/XXXX I tried to use card again it declined. I called total visa they stated I didnt pay {$39.00} on XX/XX/XXXX half of {$75.00} annual fee. I stated how can I pay {$39.00} when I knew nothing about it because I never received the card or disclosure. This company Is a rip-off
Consumer complaint received 2019-06-24
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: I.C. System, Inc. (CA)

I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX  with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from my credit report.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2021-06-11
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. (NV)

There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. System IncXXXX, is alleging I owe {$200.00} for XXXX  XXXX account. This claim has been disputed with the original creditor and other collection companies. I.C. System has not updated any new information to properly validate this debt. 

I am requesting I.C. System Inc., to provide all information they are withholding and any contractual agreement ( s ) I promise to repay a debt. I also request this negative reporting be permanently removed from my credit file.