davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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. (VA)

I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-11-15
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: Carvana Group, LLC (GA)

Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.
Consumer complaint received 2017-11-15
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Onity Group Inc. (NC)

Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Filed a complaint there are several issues regarding the following which has occurred on several occasions in addition too different colleges may not all be XXXX XXXX college and not reporting correct changes in forbarences and deferments to third party for collections in addition too allocating the total and permanent XXXX applications with sufficient documentations. Complaint to XXXX XXXX XXXX nelnet and all other loans third party collectors account holders for any and all loans for as XXXX XXXX XXXX xx xx XXXX for previous accounts defaulted and or sold or submitted through any of its subsidiaries and entities as a third-party debt collection for federal loans be properly investigated current and past accounts loans requests by student and all documentation sent and received on behalf of XXXX XXXX XXXX Proper requests have recently and past been made for forbarences and deferments to include XXXX discharge and reporting and filing of my accounts status prior to defaults were in deferment or forebarbnce but you and your subsidiaries and related entities prior to receiving accounts and after were not properly investigated nor acknowledges the processes and stays changes in accordance with all XXXX rules policies governing the loans and not properly handled according to rules policy and laws governing students with XXXX I gave submitted review for XXXX discharge and several total and permanent discharge for XXXX yet you and your related subsidiaries related to my previous account holders and current gave violated not only. My civil rights as a XXXX person but have submitted to board of education improper and incomplete paperwork regarding my XXXX and rights verifying social security XXXX income with 4 dependants exceeding the payment amounts being drafted through united states treasury received by us board of education submitted by XXXX. I want all monies refunded and every incident paperwork filing and complete account information to include XXXX and requests for discharge and paperwork submitted to civil rights office and respectfully revised and complaint filed formerly with you and all related entities prior and current involving any and all collected paid and unpaid student loans. request for reimbursement for received funds from treasury to XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXXXXXX. this request is to cease and distst all collections withholdings of all accounts while in review for XXXX discharge and acknowledge current and past deferments and forbarences. Investigation by attorney general and civil rights division. 

Email ( if you would like a response ) : XXXXXXXXXXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
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 status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My XXXX XXXX # XXXX is showing the wrong balance amount, currently late. I have never been late, it was last updated XXXX/XXXX/XXXX paid current and is also in a forbearance plan due to XXXX XXXX. It is drastically lowering my score.
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I sent a letter via certified mail to BERLIN WHEELER INC on XX/XX/2024 asking them to provide complete validation and proof of the debt with documentation and they did not reply. This is now over 30 days ago.
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

In XXXX the first letter received from North American Credit Services stated the an amount of {$2400.00} was owed, I replied asking for validation of debt showing that I am the responsible party, and yet I've not received a response back. However they sent out another letter in XXXX stating the same thing, instead any type of response that I've requested. Both have account # XXXX Now as of XXXX there's another letter stating an amount of {$2200.00} is owed with account # XXXX. 
For each of the letters received I timely responded back via notarized/certified letter for each reply. Again from XXXX, XXXX, and now XXXX THERE'S been NO response back! 
I've never entered any type of contractual agreement, arrangement, or acknowledgement with or through North American Credit Services.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

It seems unfair that I need to pay to freeze my credit and protect myself when I should be able to trust the big bureaus with my information ( leaked SSN in Equifax breach ). Frustrated to say the least. This seems like something that should be changed in the future.
Consumer complaint received 2017-11-14
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. (NC)

Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974. 
15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XXXX/2023 my information was sold to a third party debt buyer without my permission and or option to opt out.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

53 bank has placed 4 {$500000.00} dollar holds on 4 of my accounts that's XXXX XXXX dollars they say that is because the accounts are pending closure but how does that mean I owe them XXXX XXXX dollars so I have 4 account showing negative {$500000.00} dollars how is it that banks can just put a levee on an account like that I don't owe them XXXX XXXX dollars
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.
Consumer complaint received 2017-11-15
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. (VA)

On several different occasions I have question the validity of an account that appears on both my Experian and XXXX report. The most recent request dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  The company has failed to provide any information to substantiate the account. The Credit agency is reporting incorrect false information that is effecting my ability to receive credit.This Account with XXXX XXXX was disputed from XXXX 2 yrs ago and found to be invalid. I have since requested multiple times for the other Reporting agencies to follow suit and remove the item as well
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Summary : XXXX customer service gave me wrong information and led me to make a wrong decision. I demand XXXX to own up to their mistake and honor the cashback. 

Detail : On XX/XX/XXXX, I purchased airline tickets through XXXX Membership Rewards in the total amount of XXXX points. I also called XXXX customer service XXXX number and confirmed with them that I am eligible for 35 % points back when purchase tickets with Membership Rewards points. 

Fast forward to XX/XX/XXXX, I have not received the points back and called back to check. But they told me that I am actually ineligible for the points back. After reading the fine prints, I understand the reason I am indeed not eligible. 

Nevertheless, I purchased the tickets based on the WRONG information given by XXXX customer service. Should they told me I am not eligible, I would not go that route to begin with. With that, I demand I should be compensated accordingly for my loss as a result of wrong information from XXXX. 

I demand the 35 % points back of XXXX points I spent, which is XXXX points.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1000.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$890.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$980.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$900.00}. These are checks that have been deposited into account without my authorization. I wasnt aware until XXXX XXXX that this occurred. I didnt use this account for sometime and did not keep up with it. I tried resolving matter with Bank Of America. This transaction are fraudulent and Im being held accountable. I have sufficient documents showing that I am not responsible. All deposits are teller transaction which means teller did not verify person or any other authorized users.
Consumer complaint received 2021-09-09
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. (NY)

To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never transunion.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called customer service about trying to get some late payments off my credit report from last year due to COVID and my wife not working at that time. The lady one the phone was very nice but she could not see anything on my account past the last 6 months and that my account is now current. I was advised to contact the Capital One 's executive resolutions department, I sent them emails with no response. The dates that Im trying to remove are from XXXX XXXX XXXX which were during the pandemic. My account is now current and those late payments are effecting my credit score.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

I made a purchase on XXXX/17 through a website. The total purchase was XXXX. When i received the order confirmation from the company my address was wrong. I tried to call them and their phone number just seemed dead, it did not connect or anything. I submitted two different contact forms through their website with no response. A few days later I filed a claim through my bank which is JP Morgan Chase, they temporarily gave me the funds back and said that it would go through a 45 day investigation. 45 days came and went and nothing came of it. Last week Chase took the funds back from me and when I called them I was told that this is not Fraud because I made the purchase ( even though this company does not exist and since also took their website down ) and that the seller use XXXX as their merchant services which protects the seller and that I have no protection of my money because of that. I spoke to someone else at Chase who said that did not make any sense and they would reopen the claim. I called again today and was told that the case was not reopen they were just going through the documents again and that this was not fraud because I made the purchase and there is nothing they can do to give me my money back. They have no contact information for me to contact sqaure. There is no contact information for this company, when you google the address it is a home address.