davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

hello, i recently received a response { on a different complaint that i filed } and was not given the opportunity to reply - therefore i am starting a new complaint. 

XXXX from nelnet replied to two different complaints - one for nelnet and one for XXXX. are they now the same entity? they were not in 2017. 

i requested the information be sent via SNAIL MAIL. attaching them to a complaint online is not SNAIL MAIL. 

also, you asserted that i have not been making payments and that information is absolutely 100 % incorrect. i make payments every month - perhaps it isn't what you want, but it is what i can afford based on the ridiculously high balance you say i owe. which, by the way, is more than i borrowed. how is that possible? 

if you are claiming that i do not make monthly payments, then i will contact my bank, as they are sent via automatic bill pay on a monthly basis. please clarify - are you receiving monthly payments from me or not?
Consumer complaint received 2019-06-17
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. (GA)

on XX/XX/2019, I submitted a certified letter of dispute with TransUnion asserting notifying them that I had been denied credit resulting from excessive inquiries that I did not authorize and do not recognize. I also contacted individual creditors listed in my credit report to see if they could possibly be of assistance in determining the legitimacy of the their inquiries. They assured me that they possessed no documentation at all specifically from me that granted permissible purpose to access my financial history, nor do I have an account with them. I asked TransUnion to rid my file of these inaccurate inquiries within 30 days if could not validate them or send original signed documents to the contrary. It has been well over a month, and the inquiries continue to plague my credit profile. This, as I understand it, constitutes an egregious breach of my financial privacy and I would like it to stop IMMEDIATELY.
Consumer complaint received 2019-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My purse was stolen on XX/XX/2019, with my bank cards and ID. I phoned Experian during business hours, but that was useless. I was unable to contact Experian because their phone number went to a recording that told me to go to their website, and their website would not let me report the problem unless I bought a paid membership from Experian. I could not access any other way to contact Experian with my free account ( that free account was given to me because of some kind of widespread problem in the past -- that problem was not specifically mine ). I did successfully file a fraud report with XXXX. I also froze my credit report at both XXXX and XXXX. Experian has received and noted the fraud report on my free account, but they demand that I pay for an upgrade in order to freeze my credit report at Experian. I can't even ask Experian for a free copy of my credit report, to which I am entitled because they have received and noted my fraud report. I will have to write them a letter, but they still won't freeze my credit report unless I pay them. I will send them a letter by U.S. mail, but the delay could harm my credit while my credit report is not frozen. In addition, I will not be able to unfreeze my credit report without paying Experian.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My Experian Dispute Results, dated XXXX, demonstrate four Credit Items that need to be remonstrated with in order to raise my FICO Score from XXXX ( the current score ) to a XXXX ( ideal ). These Credit Items are : 1 ) XXXX XXXX XXXXXXXX : Partial Acct. # XXXX : On XX/XX/XXXX I requested a scheduled adjustment ( # XXXX ) to have this item REMOVED since the said lender has not been my morgator since XX/XX/XXXX ; 2 ) XXXX XXXX XXXX : Partial Acct. XXXX : I plan on paying this in full ASAP ( {$170.00} ) ; 3 ) XXXX : Account # XXXX ; I have asked the Department of Education to be absolved from this obligation as most of it originated from the University XXXX XXXX ; 4 ) XXXX - XXXX XXXX # XXXX ; I would like this record expunged from my account as the REPOSSESSION took place back in XX/XX/XXXX - five years ago ; 5 ) XXXX XXXX XXXX ( # XXXX ) ; This account has been current XX/XX/XXXX and I would like the positive score to help raise my FICO score ;
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VALLEY NATIONAL BANCORP (FL)

I contacted Valley National Bank to inquire about the waiving of my escrow account. I spoke with XXXX XXXX who said that she " thinks '' escrow is required for ALL condos. I could not find any documentation to support this and then contacted the title reviewer for my loan XXXX XXXX. XXXX told me via email that XXXX and XXXX XXXX federal guidelines require escrow accounts for all condos. I contacted XXXX and was told that information incorrect. I was also directed to a page on XXXX website that contradicted the information XXXX provided. I then informed XXXX of this and she stated again that Valley National Bank MUST escrow on all condos. I reviewed the Mortgage documents that I signed and they contain information about waiving escrow. I have spoken to three people at Valley National Bank who confirm that escrow can be waived. However, XXXX and XXXX, who are responsible for servicing my loan, refuse to give me any information on how to do so or facilitate my request. I have called and sent emails several times and I am provided with false or misleading information. I have also requested a written copy of Valley National Bank 's official escrow policy and they refuse to provide it.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.
Consumer complaint received 2023-03-31
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. (NJ)

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 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2019-06-17
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. (SC)

XXXX and Experian reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.
Consumer complaint received 2018-04-19
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 several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.
Consumer complaint received 2021-02-16
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. (LA)

On XX/XX/2021, my credit monitoring account on XXXX XXXX reported a XXXX drop in my credit, from XXXX to XXXX, as reported to XXXX XXXX by Transunion. Today, XX/XX/2021, fourteen days later, I still see no evidence that my credit situation has changed in any way to warrant such a huge drop. Transunion has not provided to XXXX XXXX an altered report reflecting the XX/XX/2021 drop, nor does the credit report on Transunion reflect any changes, other than their own internal investigation, for which they provide no information.
Consumer complaint received 2023-03-31
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

1. In XX/XX/XXXXXXXX  We booked 4 airfare tickets for 4 people on line with XXXX XXXX to our hometown XXXX XXXX. It originally showed up {$460.00} for one fare. 
{$460.00} X 4 = {$1800.00} in total. 

XXXX. After we typed up all the informations and did the final click, the screen popped up were {$960.00} X 4 = {$3800.00} in total. Then we called the XXXX right away in few minutes to cancel all the unfair purchases. We couldn't reach them by making multiple callings and emailed to them. No responses were made. 

XXXX. We called the Capital One right after we couldn't get the cancellation with XXXX. in minutes to stopped the payments and notified Capital One this was scam. 

XXXX. Capital One did stop the payments which XXXX overcharged the 4 tickets. We dind't use the 4 tickets. ( XXXX still had a month to re-sell the tickets ) 5. We used the same card as Capital One booked another 4 airline tickets with XXXX on the same day XX/XX/XXXX. Everything went smoothly without any trouble with XXXX. 

XXXX. Before we left the XXXX to XXXX XXXX. We paid off the balance. ( The Capital One statement balance showed up that XXXX overcharged and written off the overcharged in the same day ). 

XXXX. We left the XXXX to XXXX XXXX on XX/XX/XXXXXXXX  and returned to XXXX on XX/XX/XXXX. We got the Capital One statement rebilled the overcharged by XXXX 

XXXX. We contacted the Capital One and sent all the informations ( BEFORE VS AFTER ) by Certified Mail. Capital One did get the mail. 

XXXX. Capital One insisted that we had to pay that amount without disputing. Of course we refused to pay and stopped using the Capital One after the event. 

XXXX. Capital One hired the lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX ) sued us. We were sent to the XXXX XXXX XXXX to disputed the case on XXXXThe case was dismissed. 

XXXX. Again, the same lawyer sent us to the XXXX XXXX on XX/XX/XXXX, We won the case. 

XXXX. Now, they constantly suing us again, we have to present on the XXXX XXXX of XXXX XXXX on XX/XX/XXXX. 

XXXX. We are very sick of Capital One and the lawyer. They knew the event but keep harrasming. 

XXXX Please help or give us some advises to fight back! 

Thank You!! 
XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (TX)

Ally Bank has consisted and transacted in a fraudulent manner and refuses to resolve the issue or try to resolve the situation in which they have created. Ally Bank Opened a Checking and Savings account in my name with stolen information on or around XX/XX/XXXX. I am a victim of identity fraud, and these applications for both of these accounts were not authorized nor approved by me. I have extended fraud victim alerts on my credit files which specifically states that before opening an account or approving an application I MUST BE CALLED and IT MUST BE VERIFIED I AM Opening the account or application. Yet Ally Bank, Opened both checking / savings account and did not contact me asking if I approved the application. These applications overall are fraud. Additionally, Ally Bank never sent me any documents, they did not send me any debit cards or even verify my information. I can not login to said account 's nor could I ever view what transactions occurred because ALLY BANK again didn't verify my information. When I try to retrieve or login to the account based on the credit file it says it tries to text some phone number that doesn't match mine ( Ending in XXXX ) It also says XXXX email addresses I have never owned XXXX, and XXXX Neither email address is owned nor can I retrieve any emails from said email addresses. I do not own the phone number ending in XXXX. Additionally Ally bank closed this account originally for identity fraud, but later reopened the account and charged it {$4400.00} IN CHARGES. Again unauthorized charges. I did not conduct business with their merchants, and I did not receive any monetary benefits from said transactions. I do not work for the employer they had depositing in the account either, nor have I ever. I spoke to their fraud department and this was supposed to be taken care of MANY MONTHS AGO, but instead ALLY Bank Sent this to XXXX and XXXX XXXX XXXX stating ( Account Closed for Cause OVERDRAWN ). I did write in to Ally Bank to dispute this debt and Ally bank did not contact me back, and instead called my family members to harass them telling them they will collect this debt and I WILL Pay it. I refuse to pay something I did not accept responsibility for, nor did I ever Approve these accounts to be opened in the first place. These are fraudulent applications and all transactions on these accounts are FRAUD. This is damaging my credit and not at fault to my own. So I expect Ally Bank to provide monetary relief for lying to XXXX for an account I didn't authorize just because ALLY Bank wants to collect the debt and the easiest way for them to do so is abusive practices and Lying about the victim instead of the thief. I do not own these account 's and I do not accept responsibility again. These accounts are fraud and can not be retrieved I did not receive any DEBIT Cards and I have not physically called these people.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC (KY)

Refused to listen and take it off my credit reports. FTC has already filed this bill as ID Theft in 2019. I will not fill out a identity theft form from them since FTC and their law enforcement has it on file. They know how to look up from FTC if COLLECTION company is legi as they say.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

I have no access to my personal account or my business banking account ( that I just opened up with BMO ). Apparently, there was a check that was attempted to be deposited into my account in the amount of {$5100.00} that was addressed to me but not signed by me... I am really trying to keep it together here, but this has happened to me at XXXX XXXXXXXX XXXX XXXX as well. I feel as though I am starting to become a victim of identity theft, and I fear that this is going to start affecting all of my accounts from here on out. I need URGENT help in this situation, as I do not know what move to make yet and I fear for my finances and future endeavors because of this. I am currently at a stand still financially and physically. Aside from these feelings of defeat and anguish, this check in question clearly shows a signature that is NOT mine on the reverse of it... I received a letter in the mail from BMO in regard to an overdraft reminder stating that my checking account has an overdraft balance of XXXX. I also have a copy of the check in question from BMO stating the following : RETURN REASON-N ALTERED/FICTICIOUS and the reverse shows the signature that is NOT mine. This is still being investigated per the Fraud Department at BMO as of today XX/XX/2024 at approximately XXXX XXXX which is when I spoke with the team over at BMO. I need help with this, as I have nothing to do with this check and I feel as though I have fallen victim of a scam and potentially future financial issues due to this. I am paranoid to even open a new bank account now anywhere for that matter and need assurance.
Consumer complaint received 2023-03-31
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX