davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (GA)

I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXX collection services that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus XXXX times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the XXXX and the XXXX and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal XXXX said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Consumer complaint received 2023-03-16
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. (KY)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-10-23
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Constar Financial Services, LLC (TX)

On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Avant Holding Company, Inc. (TX)

On XX/XX/XXXX I called AvantXXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at Avant made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-07
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. (MD)

I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (VA)

I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX Account # : XXXX XXXX & XXXX XXXXXXXX XXXX Account # : XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.
Consumer complaint received 2017-10-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (PA)

In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanHero, Inc (CA)

I was contacted by XXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from Loanhero for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA that Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I believe that they are clearly violating the law by changing the account balance to cause harm to my credit score and increase it for their own financial gain. I have attempted numerous times to dispute this item with the Credit Bureaus to get the proper amount corrected but they are not sending my results back within the designated time frame or state that I need proof that it is me disputing ( despite the fact I have sent in the proof they requested ). I would like this issue to be resolved as they have clearly violated State and Federal laws.
Consumer complaint received 2017-03-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Critical Resolution Mediation LLC (GA)

I received a call from Critical Resolution Mediation concerning a payday loan that was supposedly taken out by me in XX/XX/XXXX.I did not initiate this loan.Furthermore I was threatened with imprisonment by one of the female employees of this organization saying she was sending the police to my my house because i willfully defrauded XXXX. From what I was told a loan was given in increments that eventually totaled approximately {$700.00}. Which was deposited in a XXXX acct I had at the time.But now with interest and penalties amounts to $ XXXX.I noticed some fraudulent activity concerning my credit report in XX/XX/XXXX and promptly filed a police report ( XXXX ). I was told that this money was directly deposited into my XXXX acct, which i 've been unable to verify.I made a large deposit into my XXXX acct on or approximately XX/XX/XXXX and I was an employee of XXXX at that time. there was no instance of a deposit or drafts from XXXX.I 've yet to see any collections associated with this loan.If this loan was given it was done so without my knowledge or consent
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (NY)

I have been trying to rectify this with XXXX and Experian, they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (VA)

XX/XX/2020 Fake amount of money {$840.00} XXXX XXXX XXXX XXXX PO Box XXXX XXXX, FL XXXX Fake Account Number Itemized Bill Fake bill Contacted XXXX XXXX XXXX, a fake bill collector. They claimed they are a 3rd party debt collector, but they are not. They could not give me an original debt collector number or address. They are completely lying.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my checking account on XX/XX/2021 and have yet to return my money {$5600.00} and said it was a process in which I had to wait 10 business days which I did. I called back in 2 weeks on XX/XX/2021 and was told my account is in a holding stage and I had to wait on a review. Waited again more than 10 days called back was told its still in process and they had the right to do and theres no timeframe. Told them I had a medical condition concerning bad XXXX and they still denied my request. Called back on XX/XX/2021 and was told the same thing, Review hasnt been completed. Called back today in 10 days asked to speak to a manager or supervisor and was told there is no update that I must continue to wait.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following account and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXXXXXX, 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. I filed a police report with the XXXX XXXX Police Department in regards to the above accounts. The police report case number is : XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Upgrade, Inc. (FL)

I had a fraud charge made XX/XX/XXXX {$7300.00} appear on my account and I found my card was lost/stolen. I contacted Upgrade XX/XX/XXXX to report the transaction as fraud and my card missing and was told the investigations team would follow up. Upgrade misfiled my dispute and I didn't receive any contact until I called back in on XX/XX/XXXX. They then began my dispute process and only requested a written statement of what occurred via email on XX/XX/XXXX, which I replied to same day. I then received an email requesting I file a police report on XX/XX/XXXX. I replied XX/XX/XXXX with a copy of the filed police report. I was notified of the dispute being denied XX/XX/XXXX via email for the reasons : No aggressive decline attempts present. 
Account activity does not align with usual fraud patterns. Police report does not support the dispute. I replied the same day to get more details which was not provided. I contacted upgrade XX/XX/XXXX to appeal the decision as i had provided all details when requested and cooperated with investigation. I was given a callback which I responded to on XX/XX/XXXX and I was told they can not reopen the investigation. Being that I first notified them via phone call XX/XX/XXXX they have placed the charge back on my account outside of the 90 day timeframe of regulation z.
Consumer complaint received 2023-03-16
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 XXXX, Account # XXXX, XXXX XXXX A 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Lease
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: VW Credit, Inc (KS)

On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc. 

Thank you.
Consumer complaint received 2024-05-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

USBank is providing misleading information on their Certificate of Deposit ( CD ) Renewal Letters. In an XX/XX/2024 letter, I was informed that I may choose from three options for a CD renewal within the 15-day grace period. 

Option 1 stated for Automatic renewal : If I choose this option, then no action is required, and I will receive the interest rate and APY that are in effect on the maturity date as of XX/XX/2024. This APY may be different than the current rate. 

However, upon going online to renew the CD, I found that an automatic renewal had taken place on XX/XX/2024, for an 11-month maturity, with an APY of 0.05 %. The only way to get a 4.90 %, 4.85 %, or 4.75 % APY, which I presume would be the current APYs at the time of maturity would be if I actually took action to request one of these higher rates! 

If I had taken no action, the bank would have changed the APY to 0.05 %, which is NOT one of the much higher current APYs being offered on line. 

USBanks renewal letter is misleading when it states that by taking no action and accepting an automatic renewal, I can obtain a current rate/APY. The bank assigned a 0.05 % APY, which is well below the 4.75 % I obtained by going online and taking action. 

Please look into this matter to ensure that USBank updates the wording of their renewal letters, so that bank customers are no longer misled into believing that no action required will result in a true current interest rate/APY at the maturity of their CD. How many customers have already been negatively affected by their inactions, causing them to lose substantial interest income?
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NY)

-15 U.S.C 1681 section 602A. states i have the right to privacy.

-15 U, S, C 1681 section 604A. it also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. XXXX