davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (GA)

On XX/XX/2023, I received an email from my bank notifying me that my credit score has changed. When I checked I saw that my student loan servicer Nelnet raised my credit limit from {$2700.00} to {$7300.00}. 

I was never applied for any credit through Nelnet let alone asked for a credit limit raise. I tried sending them an email from their contact page on the same day and waited five business days for a response. I checked my inbox and spam but did not see anything from them. I also searched my Nelnet account and could not find anything about a line of credit nor anything about Nelnet offering credit. 

Today, XX/XX/2023, I tried calling their number ( XXXX ) XXXX a few times and each time, it never connects. I sent a second email form today but I don't believe they will respond.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One 360 failed to mail a new debit card to Account # XXXX XXXX XXXX XXXX XX/XX/XXXX nor respond to honorable XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX. 

Capital Ones legal representation called XXXX XXXX, XX/XX/XXXX at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I request the CFPB order provisional payment over {$50000.00} for their negligence to prevent XXXX XXXX XXXX from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-15
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: Santander Consumer USA Holdings Inc. (SC)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SANTANDER CONSUMER USA and on XX/XX/2020, CHRYSLER CAPITAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-08-08
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: GREENSTATE CREDIT UNION (IA)

The green state credit union and XXXX consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. Green State continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as XXXX and Greenstate is very much aware income can not be furnished on anyone 's consumer report XXXX XXXX XXXX ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and XXXX checked all accounts but came back as verified and accurate on this issue when it is not.
Consumer complaint received 2019-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (SC)

Description of Complaint : MY MOM, XXXX XXXX XXXX, HAD A CAR, A XXXX XXXX XXXX, THAT WAS FINANCED THROUGH XXXX XXXX. I WAS MAKING THE PAYMENTS. MY MOM WENT INTO THE XXXX XXXX IN XX/XX/XXXX. XXXX XXXX CLAIMED SHE DID NOT HAVE CREDIT LIFE INSURANCE. THAT WAS A LIE. MY MOTHER PASSED AWAY ON XX/XX/XXXX AT XXXX XXXX IN THE MORNING. XXXX XXXX REPOSSESSED THE CAR AFTER HER DEATH. THE CAR SHOULD HAVE BEEN PAID OFF AND GIVEN TO THE BENEFICIARY. I AM THE BENEFICIARY. THEY NEVER ONCE CONTACTED ME AFTER REPOSSESSING THE CAR. I WAS UNABLE TO CONTACT THEM. THEY NEED TO SEND ME THE CAR OR PAY ME THE DIFFERENCE OF {$20000.00}.
Consumer complaint received 2018-05-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BANK OF AMERICA on XX/XX/2016 which l have no idea about it at all.
Consumer complaint received 2023-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I currently have XXXX loans with Navient for which covered my school fees, books, and living expenses while I attended school at XXXX XXXX. I at the time of applying for the loans I had a family to support and my school advised to borrow money for living expenses because we were not allowed to work. I graduated from XXXX XXXX in 2006. My loans were in forbearance for a few years. When began paying my loans I could not afford to pay the monthly charges so Navient placed me in an interest only payment program where very little was applied to the principal. I had been paying on these loans for the past several years interest only until last year I became sick had a nervous break down due to the stress of my student loan payments and family obligations. 
Time and time again I requested a more affordable plan but they would only offer interest only. I have since stopped paying because I cant afford to pay and I have family obligations. I do have co signers but they too can not afford to make the payments. I feel I have way over the amount needed to Navient. I am unable to do anything to afford me to even pay my federal student loans. I would like to be apart of a law suit against Navient to be XXXX from my loans. Thank You
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I noticed this company on my credit report, i have sent Certified mail a Debt validation letter to request a copy where i signed or a contract i have with this company United Revenue Corp. The first response i received on XX/XX/2018 from them was a typed letter of Dr services from XXXX XXXX XXXX XXXX for {$270.00} nothing else to validate it was me. I sent out a second letter explaining this and i received the same response on XX/XX/2018 since then they have refused to acknowledge my mail or respond. i want this negative item removed from my credit report as it is affecting it negatively.
Consumer complaint received 2023-08-08
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: AMERICAN EXPRESS COMPANY (TX)

Previously I submitted disputes for AMERICAN EXPRESS Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and American Express and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The three accounts below have a wrong balance. 


1. XXXX XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017
Consumer complaint received 2017-12-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.
Consumer complaint received 2023-08-08
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. (FL)

Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX  DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX, DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX  XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.
Consumer complaint received 2023-08-08
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: U.S. BANCORP (PA)

IN Accordance with the fair act this creditor had violated my rights 15usc1681 section 602 it states that i have rights to privacy 15usc1681 section 604a section 2 also states a reporting agency cant furnish account with out my written instruction 15usc1666ba creditor cant report a consumer credit late for any purpose
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.
Consumer complaint received 2023-08-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

Transmitted electronically form 1099-C Cancellation of Debt was filed with the Internal Revenue Service dated XX/XX/2023. On XX/XX/2023 the Internal Revenue Service accepted form 1099-C. As of XX/XX/2023 form 1099-C was mailed to NELNET INC. at the following XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX
Consumer complaint received 2019-01-07
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. (TX)

I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (NM)

I am sending a complaint regarding the inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2021-03-07
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: TD BANK US HOLDING COMPANY (NC)

I had the issue resolved and XXXX XXXX from TD Auto Finance investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.
Consumer complaint received 2023-07-31
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXt Account # XXXX, has violated my rights. 
XXXX Account # XXXX 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 information is inaccurate.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2020, I purchased a service with a marketing agency called XXXX  XXXX XXXX. During my consultation call, I was told the services could get me 2-5 appointments. I needed 2 appointments to trigger my insurance salesperson contract. The gentleman XXXX was told my situation and that I didn't have the XXXX asked for. I was told that XXXX could give me a discount for XXXX if I signed up on that call. I only had barely the amount. I was nervous but XXXX let me know he had used the service for his insurance career and if it didn't work, I could get my money back within 30 days. I sent an email letting the company know it did not work and requested a refund. I was told that I could not get the refund promised and I was within the 30 days and had followed all of the steps advised by the company. I did not get any appointments. 

I disputed with USAA and have called pretty much everyday or sent a chat. Many of USAA 's agents saw but USAA still sided with the merchant. The merchant sent in a false invoice without a signature or my name or information and lied in the statement sent. My email proves my statements. 

I have attempted to let USAA know this almost daily and they are telling me to contact the merchant which is why I contacted USAA to dispute. The merchant ignores me and has not responded. 

Also, the merchant showcases a money back guarantee on his website, blog and XXXX channel. 

Yet, USAA still does not refund my money. I also sent in all of the documents to show the information. 

I am asking for help and a refund as an over drafted account affects me and I am telling the truth. I also do not have XXXX to waste especially at a time during a crisis. I was trying to keep my job. I lost my job because I did not trigger. 

I can provide all of the documents provided to USAA and all forms of communications, including what the merchant sent in which was false information.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (MI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Syncrony bank closed my belks account after I made a complaint to consumer Financial Protection Bureau. The day I made the complaint I received an email from synchrony bank to get in touch with them to work something out when Icalled the president of customer relations she said there is nothing we can do for you and they closed my account.
Consumer complaint received 2021-05-09
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$680.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (FL)

Hello, I recently moved services with XXXX back in XX/XX/2018 but I was unable to transfer my services because it was offered at our new location. I paid my final bill with XXXX and went about my business. Today I get a notification from XXXX, XXXX and XXXX that I have a collection on my credit report for {$260.00}. Please investigate and have said company remove this collection from my credit report as I am preparing to buy a home. Thank you!