davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (TX)

I was an student in XXXX in XXXX Texas school close because fraud and they charging me the loan I was there around 9 months, I contact customer service and they say it will take them up to 18 month for an answer to move that of m credit report because in collection at this moment
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter off on XXXX XXXX, 2022. Here is my tracking # XXXX, # XXXX, # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc. (GA)

US Auto Sales in XXXX I purchase a XXXX XXXX XXXX in XXXX XXXX, Ga. and two years ago I had went to XXXX XXXX to see about buying a car, and they ran my credit report, they came back and told me that US Auto Sales was not reporting my payments to the credit bureaus, so I call them they gave me a we site call XXXX to file a dispute, I did that and they said it was taking care of. So now two years later we are having the same problem with us auto sales in XXXX, Ga. main office. today I went to XXXX XXXX to see about buying a car and they said the same thing us auto sales is not reporting my car payments to the three credit bureaus. For the last 48 months the payment of {$480.00} per month.
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX : XXXX XXXX Account # XXXX XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (RI)

Hi, I took a car loan from Carmax auto finance and I got in to an accident got the car totaled so when I call Carmax and explain about the situation they told me there was nothing else they could do for me without me paying the loan off which the total amount was XXXX and my insurance paid the value which was $ XXXX and so now I have to pay back the remaining balance. Fine. Im happy too. But my car thats how I could go to work to pay my bills because XXXX and XXXX XXXX away from me and my work. 
I tried to work out some type of deal with them to see if I could get another thru them and they denied each credit application I submitted to them and this loan is open on my credit no where that accept my credit application I kept on being denied. Im in XXXX  for XXXX and Im right on the edge to drop-out because I have to XXXX XXXX Im very desperate for help now.. I have money for a down payment if I ever get approved by a bank
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

I purchased a Vanilla Gift card at XXXX on XX/XX/XXXX. When I tried to use the card 30 minutes later the funds were already used. I contacted the company and they told me that I had to wait 8 days to file a dispute. I contacted them XX/XX/XXXX and sent them the requested packet of information. There has not been any response to my inquiries at their dispute resolution email ( XXXX ) and when I contact their customer service call center XXXX, they do not assist. They continue to direct me to the same email with no resolution.
Consumer complaint received 2018-02-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. 
I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. 

I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Jefferson Capital Systems, reported on my credit report that I owe a debt of XXXX dollars from an account opened on XX/XX/year>. 
With no original debtor. I do not owe this debt and I contacted the company Jefferson Capital Systems to have it removed from my credit report.
Consumer complaint received 2022-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I observed an unknown and unauthorize transaction on my Capital One card ending for {$60.00}. The transaction took place at on XXXX at XXXX at " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. As soon as I became aware of the issue, I contracted Captial One. I also stopped by the store where the purchase was made and talked to the store owner. I discovered the store was not even open for customers during the time the charge was made, and the store owner had no receipts for the charge in question and I was able to view the store surveillance video for XX/XX/22 and XX/XX/22 and there was no transaction made by me and no receipts found for a {$60.00} transaction. The store owner even looked at the video surveillance and reported it directly to Captial One with my approval, the conversation was recorded by a Captial One Rep and they still would not provide me with a permanent credit for the charge that is in dispute. I also obtained a police report of the incident because I did make or authorize this transaction. I'm requesting a full credit of {$60.00}.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I filed for a income based repayment plan with Navient XX/XX/XXXX. They stated that they need a signature letter, and proof of income, which I in turn, provided them. I was told in XXXX that this was processed and everything was OK.. 

Yet I get a bill for XX/XX/XXXX payment for FULL amt. I contacted the lender via XXXX, via the advocate, AND via e-mail to the President of the company. 

I have submitted this information to them 5X now, via fax, mail, e-mail and a variety of other means. 

I received a letter from Navient stating that they did NOT receive the information. But, in the SAME e-mail, they sent me the forms, the signature is correct on the form, proof of income HAS been provided, and a copy of the form correctly filled out. 

So, not only do they have the forms CORRECTLY filled out, they have the signature page, AND proof of income ( IRS 1040 form ) ... due to federal rules proof of income WAS NOT REQUIRED to process this form as income for 2016 was NEGATIVE. 

I have two letters from them stating the same thing, and in BOTH letters, they have provided me copies of the completed form, a signature page, AND proof of income. 

I fail to see any logic in this. They have the forms correctly filled out, they have a valid signature on the forms, and they have proof of income ( which is NOT required ). But yet they can not read their own forms. 

Calling them all I get is the SAME XXXX, parroted back to me. We do not have the forms, we do not have proof of income, yet in the next letter, they send me copies of BOTH the form, the signature page AND proof of income as required. 

I am tired of this run around, Complaints with the XXXX, CFPB, Virginia Attorney General Consumer Protection Section, Federal Student Aid Department of Education, XXXX, have all been filed, yet all I can get out of them is like talking to a WALL.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MO)

Jefferson Capital Systems-On Behalf Of XXXX is reporting a collection to XXXX and XXXX. I have not done business with this company. I am concerned about my identity. My personal information has been sent to a 3rd party collection agency without my expressed written consent.
Consumer complaint received 2022-09-10
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. (NY)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX XXXX  To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NV)

This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. 

The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Hello, I have an account with Edfinancial, and {$4400.00} of my loan had been paid during the pandemic after XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, I called Edfinancial to send in a request for a refund of the {$4400.00}. While the request was sent, I am uneasy about the lack of transparency coming from the provider. 

When I asked my customer service representative what the expected processing times would be for this transaction, they could provide me no information. In addition, when I had requested email confirmation of my request, they also could not provide this. This situation is frustrating as most of my concerns lie on how long it will take to get my loan balance of {$4400.00} reinstated on my Edfinancial account. I understand the process of actually getting the refund deposited into my account will take a while, but processing the balance reinstatement has been timely with other loan providers. 

Edfinancial has recently had a massive data breach in which my personal information was leaked. They have also been fined for providing misinformation about the student loan cancellation a few months ago, and now they are being vague with the information they are providing to us. All this doesn't help but make me feel uneasy about their unknown processing times for loan balance reinstatement. It makes less sense as other people online have had their loan balances after refunds reinstated quickly with other loan providers. 

Thank you for your time.
Consumer complaint received 2020-04-27
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-02-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ). 

After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened. 
I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation. 

This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (CA)

1. According to XXXX  by East West Bank, {$2700.00} was pulled from my XXXX account ( Checking : XXXX ) on XXXX XXXX from a company ID XXXX. 

2. I didn't authorize this ACH Pull or ACH Push.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NY)

Diversified Consultants Inc has reported on multiple credit reports that I opened an account with them on XX/XX/2017. I have NEVER OPENED AN ACCOUNT with Diversified Consultants Inc. I have never had any contractual relationship or dealings with DCI.
Consumer complaint received 2022-09-10
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: DISCOVER BANK (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * A copy of my Identity Theft Report and proof of my identity. 
- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-10
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. (IN)

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : XXXX. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

California Business Bureau - {$570.00} this is for a medical debt when we lived in the XXXX CA area. We moved to XXXX in XXXX of XXXX and this collection is dated for after that ( XX/XX/XXXX ) so I believe the date had been moved forward. I have no record of owing this. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (OH)

Hello. I recently sent a dispute to American Express Bluebird regarding unauthorized ATM transactions. They said they havent received my dispute letter. So I will send it through CFPB so I know they will receive it. Im missing around $ 3,000+ In my account. Im attaching the letter I sent. The transactions Im disputing are in the letter.
Consumer complaint received 2022-09-10
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: Affirm Holdings, Inc (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  : Account number XXXX Credit Account Affirm Inc : Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Ive attached a copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.