davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Hello. 
Normally, I submit my payments a month in advance, and I had been paying {$220.00} consistently the month prior. 
On XX/XX/XXXX, I submitted the payment of XXXX, but that amount was to pay the month for XX/XX/XXXX. For some reason, Nelnet allocated all the payments to one group and not both. Perhaps they use that as additional principal when they shouldn't. 
When I scheduled the payment for the month of XXXX, the website said that I had an amount due of XXXX for XXXX. After three different phone calls to get this clear, I was told that the payment I made on XX/XX/XXXX went all to one group and the second group did not get satisfied. I was a little confused and I was explained to provide some additional instruction to disburse the amount correctly to both loan and not to just one. 
This week ( week ending on XX/XX/XXXX ) I started to check my finance to schedule the next payment that was due on XX/XX/XXXX. I checked between Sunday and Monday and the payment due said XXXX. When I logged on on XX/XX/XXXX to schedule the payment, the amount was changed to XXXX. I called an advisor, asked to speak to a manager, spoke with XXXX and he said that, after I made a payment of XXXX on XX/XX/XXXX, both loan groups were not satisfied??? I paid XXXX plus the amount that I needed to pay to satisfy the second group and I still get charged for the next bill???? So based on the last statement I owned XXXX for a group A and XXXX for group B. How come I will keep owning to these groups when I paid the unsatisfied amount and in addition to that, the corresponding XXXX for the month of XXXX? 
After my conversation with the supervisormanager, he explained to me that paying the XXXX will take care of this and then the next payment due date will be XX/XX/XXXX. So on XX/XX/XXXX, I paid the XXXX. 
On XX/XX/XXXX, I check again to see what the status was and now it was showing that I was due XXXX for XX/XX/XXXX. So I called again, spoke I believe with XXXX ( or XXXX - she was very nice ), explained to me that again all the payment made on XX/XX/XXXX went to one group, but group B was not. So she said that she will reallocate that amount so both groups are satisfied and that should take care of the problem and it should reflect XX/XX/XXXX as the new date. 
Today XX/XX/XXXX I logged in to check the status because the advisor suggested to check and monitor on the site the payment to ensure that everything went well. Right now I am back with a due date of XX/XX/XXXX for the amount of XXXX. 
I need someone to help me on what to do because I am trying to do the right thing, be on time of my payments and all I get are explanations of how the interest worksaccrued but things are not getting better. Those payments were supposed to be used to satisfy the next payment as scheduled and not the be used as additional principal. I am not resolving this matter with Nelnet and I need help.
Consumer complaint received 2018-11-16
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: TekCollect Inc. (AZ)

I received a call from the police, notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I noticed a item reported that I know nothing about. The collection agency is Tek-Collect. Charge of XXXX reported to collections on XX/XX/2018, No Data on XX/XX/2018 and reported to collections on XX/XX/2018. No further reporting as of now. I tried calling Tek-Collect, but I can not get through to anyone. It just hangs up. The Original Creditor is XXXX XXXX XXXX. I have no idea what this could be for. I never received any correspondence from either company.
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is regarding old credit card debt with Capital One. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from XXXX XXXX XXXX our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectors. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time XXXX XXXX XXXX reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file  taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (GA)

Online Collections is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. Online collections is in clear violation of my 30 day right to dispute.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (MD)

On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.
Consumer complaint received 2022-07-26
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)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Refinance complaint against Amersave. 

Data : Loan # XXXX, XXXX XXXX XXXX Customer : XXXX XXXX XXXX, XXXX Agents : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX Issue : I was asked to pay for a appraisal to complete the loan process with a preferred rate. All other documents have been received and process. The lender indicated that the Appraisal has been completed for 15 days but they do not have access to report. I asked if I could have the name of the appraisal company that I paid for? The rep said no. I asked why? no response. I asked if their was a reason for the delay other than waiting until the rates go up? they said that would not happen. I asked them how to lock the rate? No one would answer the question. 

I am asking them specifically to provide the information on the company that completed the appraisal that I paid for. Am I allowed to have this information to verify for myself why the report is delayed.
Consumer complaint received 2023-03-23
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. (CA)

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 account 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 XXXX XXXX XXXX XXXX Balance {$37000.00}
Consumer complaint received 2022-07-26
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. (GA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..
Consumer complaint received 2020-06-06
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)

I have a XXXX  XXXX business credit card that showing on my credit report. 
On XXXX, i contacted XXXX  XXXX that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the XXXX XXXX they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that XXXX XXXX was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was XXXX XXXX credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.
Consumer complaint received 2018-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have multiple hard inquiries on my credit report starting in the year XX/XX/2017 that I have no knowledge of. I see that these hard inquiries are affecting my credit score i would someone to help me investigate and remove these inquiries off my report.
Consumer complaint received 2022-07-26
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX  XXXX Balance : {$18000.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}
Consumer complaint received 2018-11-15
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. (CT)

I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from XXXX XXXX. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through Experian/the 3 major credit agencies. I did just that and Experian said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from XXXX XXXX from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted XXXX and Experian and neither one was able to resolve this.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I paid for a puppy and shipping in the total amount of XXXX XXXX {$500.00}, {$400.00}, and {$1000.00}. I never received the puppy to this day and this happened back on XX/XX/XXXX and XX/XX/XXXX. I reported this to the bank on XX/XX/XXXX after the shipping company asked for more money, I refused and they said youre about to lose everything. They Citizens bank has continued to refuse to help and give me my {$1900.00} back as they say it was an authorized payment. If I didnt agree to pay for the puppy I never would have got the puppy. 

I have all the screenshots of everything if you would like it all.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 I purchased a phone from XXXX online and financed it using their Synchrony BankXXXX XXXX XXXX XXXX XXXX for a discounted price. The phone was mailed, and I received an envelope from them on my porch, but the envelope was ripped open and the phone was missing. I attempted for XXXX days to call XXXX, but because It was during the holidays was never able to get through to them, despite holding on the line for up to XXXX hours at a time and making multiple attempts at several different hours of the day and night to complete chats. So I decided to call XXXX to see if I could get resolution through them. They sent a representative out to my home who completed a thorough investigation but I never heard anything further from XXXX. When trying to resolve this issue in XXXX, I accessed my XXXX account online and located a report which stated, regarding this package search, " The search for your package is complete. We have been unable to locate your package. We will forward the search results to the shipper. '' Thus, they must have sent XXXX these results. But despite this report, and my filing a claim with Synchrony BankXXXX XXXX XXXX as to this information, I am still being expected to pay for goods I never received.
Consumer complaint received 2022-07-12
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. (AZ)

The inquiry appearing on my credit report is unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing this inquiry.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
INQUIRIES : XXXX XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXXXXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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.