davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report.

XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for.

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Consumer complaint received 2023-01-27
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. (KY)

In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile
Consumer complaint received 2019-10-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

Currently have a loan with OneMain and was looking to get an additional one to help with personal situation. Discussed transferring loan from XXXX XXXX to XXXX to then make the payments there. Was told in XX/XX/2019 that my payment would approximately be {$500.00}. I was told that I ONLY had three days to make a decision to move forward with the second loan for the vehicle, in reality I had thirty days. Store Manager implied that I had one payment, in reality I had two payments totaling {$800.00}. I was not in any situation to be able to make an {$800.00} a month payment based on my income and other responsibilities. I would not have moved forward with the additional loan is it was going to be that much money, I stated that to the Store Manager in which she became very aggressive with me. I did get connected with the District Manager and explain the situation. He said that he would be able to reduce the monthly payment to approximately {$200.00} and the terms would be extended, this was in XX/XX/2019. He said that I would have to cal him on XX/XX/XXXX to further discuss, then had to call him on XX/XX/XXXX to again further discuss. The District Manager said that I would not need to make the XX/XX/XXXX payment, with the newer monthly payment amount and longer terms I would not have to make the first payment until XX/XX/2019. Now, I have been constant calls stating that what he originally said, would not be able to happen and that my payment was now late, but was nice enough to waive the late fee.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.
Consumer complaint received 2024-02-22
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-08-10
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Fair collections and accounts removed XXXX it has already been removed from my credit and back XXXX XXXX XXXX has already been removed and came back XXXX XXXX XXXX XXXXXXXX has already been removed and came back XXXX XXXX  XXXX has already been removed and came back XXXX XXXX I am not even on this card for the last 6 months
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.
Consumer complaint received 2022-09-08
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. (DE)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (CA)

My car company has not reported my payments since 2017. I have made 3 on time and one principle payment on the account and the balance on my report and their website does not decrease at all it has even gon up. I have requested an amortization report and have still yet to receive it or any explanation as to why my balance is not going down
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from NELNET to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXXXXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXX 's inaccurate credit reporting continues to negatively impact my creditworthiness.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

My chime account was closed due to deposit violation. ( XXXX ). I had over {$300.00} taken from me. My job had just posted a direct deposit in my Chime account. The very next day my account was closed. Ive tried getting clarity on this issue but I keep getting the same answer. Simply stating my funds are not refundable. Not highlighting the reason for their actions. I just want my money back. I have not did anything wrong.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

I am a natural person ; I am a living human being I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because, according to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (NJ)

I have opened a money market account and a realtionship checking account with them and the promotion code is XXXX XXXX- Promotion, XX/XX/XXXX, XXXX {$300.00}. where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me. 

Go to the website, even now it is clear they still run this promo period to period. The requirement is exact the same. They just cheat with customer and tried to get our money, I am disappointed about commerce bank credit -- could not keep the word as they said on flyer. 
https : //www.commercebank.com/XXXX
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX my personal checking account was compromised. There are about 11 charges that occurred on this day that I did not make. I filed a dispute against these transactions with Wells Fargo, and they responded that they are denying the claim. Informed them that my personal debit card remained in my possession the entire time, and i never misplaced it. Wells Fargo told me that during their investigation they found no evidence of fraud and that the card was physically present at each purchase and a Pin Number was entered. Amongst these charges are charges from Restaurants in New York and Florida & California. I live in Texas, It would be impossible for me to make purchases in four different states all in the same day. I really thought that wells fargo would see that this is an obvious case of fraud, and return my money, but they have refused and I really need some help. here are each of the disputed transactions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EDvantage LLC (GA)

I attended XXXX XXXX. A school that had branches in XXXX. I thought that I originally got accepted into a XXXX XXXX   university which I could graduate from, but I was mislead and it actually turned out to be a 200 question test you take online to get this so called " engineering degree '' which was complete bogus. I wasn't until after they put the loan in my name that I found this out. 

The loan now shows up on my credit report as I paid it down to the zero balance. It still has yet to be removed.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX and they have failed to do so.
Consumer complaint received 2017-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.
Consumer complaint received 2018-03-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/XXXX, I had bought {$5000.00} American Express XXXX 's check from my bank XXXX XXXX, because, I was traveling. Unfortunately, the checks were stolen by my shipper, who never shipped all my goods as well. In fact of this, I called American Express to report my checks stolen, hoping for a quick replacement of the check. As is the polices of American Express, but, it was not the case. Because, American Express " needed my blood, '' literately. Anyway, I had done every thing possible that American Express needed from me, e.g. police report, etc., including my bank 's involvement to get my checks for me, so that I could travel. 

somehow, American Express never replaced my checks, after months in XX/XX/XXXX, instead, I got a letter that American Express do not believe that my checks were stolen. Yet, this company placed a stop payment on the checks, and did not replace the check which I needed to use. As a result, I traveled without my checks, consequently, I suffered and went through extreme hardship on account of American Express action. 

Please I want this office to make American Express replace my checks as soon as possible. Because, {$5000.00} is a lot of money that this company is trying to covet, or withheld from me, since, XX/XX/XXXX. This is my money ; I did not borrow, nor, stole any money from this company. 

However, recently, I had sent copies of the police report from XX/XX/XXXX, other documents, letters as I was told to do, as well instructions of where to send my checks, or money. Again, I beg this office to help get my checks, or money {$5000.00} is a lot for me. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-25
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account. Kindly remove it on my account. 
XXXX  XXXX Date opened XX/XX/XXXX Balance : - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX ( XXXX ENABLER ) XXXX Date opened XX/XX/XXXX Balance : {$380.00}