davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (IL)

XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.
Consumer complaint received 2021-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XXXX and XXXX I sent a certified letter to XXXX advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

Thank you
Consumer complaint received 2021-11-17
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. (TX)

I have been trying to work with Experian for several months. I have requested these two account to be remove or corrected. I have never been late on child support. Additionally these two account have no balance so how can I be late if the accounts have no balances. the two accounts in questions are OFFICE OF THE ATTY GEN {$0.00} Acct # XXXX and OFFICE OF THE ATTY GEN {$0.00} Account # XXXX Experian has violated my right by misreporting my account as late when they are not. This is a violation of my right under the FCRA law. Please remove immediately.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (NV)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2019, I opened the American Express Platinum XXXX card with the understanding that that I would be receiving XXXX XXXX miles + XXXX Medallion Qualification Miles ( MQM ) after spending {$3000.00} and {$100.00} statement credit for any XXXX spend within the first three months of the card opening ( by XX/XX/2019 ). There was a {$190.00} annual fee for the card. 

On XX/XX/2019, I reached out to American Express to confirm if I met their eligibility requirements, which I did according to Customer Service Agent Inny. She stated that I made total of {$3600.00} qualifyingpurchases and until XX/XX/2019 statement closing spend threshold amount was not meant but now as that is made you will see the bonus miles issued to your account byXX/XX/2019. 

On XX/XX/2019, I reached out to American Express again in order to check in and see when I could expect to see the bonus mileage post to my account. This time, they stated that miles and MQMs will be credited to your account 6 - 8 weeks after you reach the Threshold Amount according to Customer Service Agent XXXX. I asked if I would see the bonus files post by XX/XX/XXXX, and they confirmed this. 

After waiting the prerequisite time and not seeing the bonus, I reached out to American Express yet again on XX/XX/2019. This time, they explained that I had only spent {$2500.00} in Qualified Spend Amount and I did not meet the spending threshold according to Customer Service Agent XXXX. They refused to clarify what spending was ineligible and why I did not receive the bonus despite two previous customer service agents confirming I would receive the bonus offer much earlier. 

I have met the spending requirements under the American Express Platinum XXXX card with purchases amounting to {$3800.00} between the card opening and XX/XX/2019 ( three month period ). American Express has refused to honor their agreement, decided to arbitrarily make up terms to renege on their agreement for the bonus, and has refused to remedy the situation.
Consumer complaint received 2022-10-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.
Consumer complaint received 2021-11-17
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)

Experian is reporting the following 5 fraudulent accounts that are result of identity theft : XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$10000.00} )XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$900.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance : {$14000.00} ). To this day Experian have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NJ)

UWM transferred my loan to a new servicer. UWM owes my new servicer a check for {$770.00}. The check should have been processed months ago and they refuse to respond and have not sent a check. My account is showing an incorrect balance due to this issue. 
I am unable to correctly pay my loan due to this issue.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MO)

In XXXX, I called Westlake and got a deferral for my payment. Before then I had 100 % payment history. I then paid XXXX, XXXX, and XXXX like normal, but they all show as missed payments on my credit report. I spoke with a lady who said the deferral in XXXX got entered wrong and it was totally their fault. She even said she would submit a dispute to the credit company. However nothing has been done after months of calls back and forth. They harass me multiple times a day, every day, for missed payments I do not have.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (TX)

remove : fcra violations : remove it XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$590.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Account charged off/Never late. {$34000.00} written off. {$34000.00} past due as of XX/XX/XXXX. 

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Hello, My name is XXXX and I have been trying for months to get my credit history/report. I've been in and out of rehabs and shelters for the last 15 years and have no idea what I owe and to who. I tried the XXXX every way I could selecting each of the 3 credit agencies individually. All it keeps saying is it can't identify me. I made copies of my vital documents and sent it " snail-mail '' to each of the reporting agencies months ago and haven't heard anything back. I'm very frustrated and don't know what to do.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, XXXX XXXX XXXXXXXX, XXXX Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted XXXX XXXX XXXXXXXX, XXXX and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within XXXX XXXX XXXX machine fore which Im suing XXXX for {>= $1,000,000} in Federal Court and their sister company, XXXX XXXX XXXXXXXX, XXXX. Director XXXX would immediately Forward me my XXXX XXXX XXXXXXXX, XXXX TRI-merge Report, Thanks!
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capitale one bank froze my checking account for no raison. Since i got approve for ppp forgiveness loan on XX/XX/XXXX i got my account been frozen by capitale one. This is my only checking account. 
please need your help to restore justice
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (NV)

I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/XXXX -The XXXX XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX {$830.00} XX/XX/XXXX - XXXX XXXX {$5500.00} XX/XX/XXXX - XXXX {$2500.00}
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Several months ago my account was frozen from withdraws by depositing my stimulus check from the IRS. Capital One claims it was a check already cashed or deposited. The check WAS NOT cashed or deposited at another bank. An attempt was made to sign the check over but it was not cashed or deposited until I decided to use my capital one account. Capital One has no evidence, other than assumptions from scratched out writing, that the check was cashed or deposited at another bank. My account was allegedly closed and the funds cleared their bank but were not returned to me. This is what I was told by customer service multiple times that the funds cleared but the account was still closed and I would not receive my money. The account has been open in limbo by capital one still accruing interest in some attempt to get me to cash the check at another bank to make their story true. That WILL NOT happen, the check was deposited with capital one, cleared with capital one, I want my money.
Consumer complaint received 2022-03-25
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the ChexSystems, but I think I was a Victim of Fraud, I filed a dispute with ChexSystems and provided copy of all the email messages I had with the company that had mailed me the check.
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (NJ)

It has come to my attention the Retail Installment Agreement that I was given from XXXX  XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-24
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 (NV)

Capital One caused my credit score and payment history to become terrible. On XX/XX/XXXX of XXXX Capital One chose to change my credit card due date on three credit card accounts that I hold with them from the XXXX of the month to the XXXX of the month. The cycle and payment due date change took affect in XXXX of XXXX. I was able to make the first set of payments but quickly begun to fall behind because I have other debt obligations that are due in the beginning of each month. I made requests with Capital One to change the due date back to its original date in XXXX of XXXX. It wasn't until I filed a complaint with The CFPB In XXXX of XXXX that they immediately changed the due date back to the XXXX in XXXX. By that point the disruption to my finances had already taken its toll and I fell behind. I missed payments in XXXX, XXXX, and XXXX of XXXX. On XX/XX/XXXX of XXXX I enrolled in a payment plan to bring two of the three credit accounts out of their collections status. On the credit account that is the subject of this complaint agreed to make three scheduled payments of {$250.00} starting on XX/XX/XXXX to bring the account back to a current status. I was also informed that If I were to have no other late payments on the account my charging abilities would be restored. I have made every payment that was scheduled and brought the account back to a current status as of XXXX XXXX on both of the accounts that fell behind. I have paid on the accounts with no late payments since XXXX of XXXX up until my most recent payment of {$2000.00} on XX/XX/XXXX. My other credit card account that was in collections was restored in full and was under the same payment plan. Capital One will not restore my other card despite my completion of the payment plan as agreed.I reached out to Capital One on XX/XX/XXXX to see why my card is still showing as being restricted over a year later and received terrible customer service with no help I place three separate calls that were recorder on their end to to their collections department and was hung up on twice after waiting on hold for thirty seven minutes for a supervisor. The representatives that I spoke with have claimed that my account has gone past due in several instances since I entered into an agreement with their department and that Is why I will no longer have the " privilege '' of charging on the account again. When I requested to be informed of the dates when these instances occurred, I was told that there was a system issue and I needed to be placed on hold while the representative contacted a supervisor. After being placed on hold for 37 minutes on two occasions, I was hung up on.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 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 information is inaccurate.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (LA)

Ive made several attempts to try to come up with solutions working with the finance company of my car. When the pandemic hit I was without work awhile until my unemployment started to activate. Exeter Finance approved a 2 month extension on my loan but would call me 3/4 days later asking for a payment, furthermore started reporting me as being late. As early as last week when I called to make a payment on the 19 they informed me I was 93 days passed due when my due date is the 20 and I owed {$2100.00} and three days prior they told me {$1000.00}. As I explained that was inaccurate the rep says Im 4 months behind which is inaccurate. I dont plan on doing business with this company past the end if the year Ive been truly disappointed with the communication and the erroneous information theyve been reporting on my credit worthiness.