davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXXXXXX XXXXl in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a nurse. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XXXX of XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I opened an account with my wife, I gave Chase a {$16000.00} check and they had removed my funds on XX/XX/XXXX. On XX/XX/XXXX they had locked me out of my on-line account. When I inquired they stated they closed my account, no reason given. When I asked for my money back they stated they could not give it to me, that it would be mailed to me, which could take over a week. In the days of COVID money short how can they hold {$16000.00} of someone's money. It took them 1 day to get my money and 2 ( whenever ) weeks to return it. I have no reason why they will not accept my account nor any reason why I can not get my money.
Consumer complaint received 2017-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.
Consumer complaint received 2021-09-12
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. (NC)

The company TransUnion and XXXX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2019-11-11
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. (TX)

Equifax is reporting incorrectly a collection/charge-off in the amount of {$11000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page from my credit report attached. ) XXXX  and XXXX  are reporting correctly. This account has a {$0.00} balance and should be reporting as such. This false reporting of a collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You
Consumer complaint received 2022-08-12
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. (TX)

XXXX accordance with the Fair Credit Reporting act 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 2017-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ICQ Search and Recovery Inc. (CA)

We were mailed a collection notice from a company called " I.C.Q. Search and Recovery '' for a lab bill that was paid by check to " XXXX XXXX '' over a year ago. When I attempted to call the number on the letter, it goes straight to voicemail with no way to get to a live person. When I searched the internet, there are tons of complaints about this same company and this being a scam. I have a copy of the notice/letter and a copy of the check ( proof of payment ) that was cashed and posted to my account back in XXXX 2016. I have mailed a copy of the check to this so called company but am very concerned that they are scamming people and trying to collect on old invoices that have already been paid. Thank you for you help!
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I contacted my mortgage company, Bank of America, back in XXXX advising I was having financial difficulty due to COVID-19. I was placed on a special forbearance for XXXX, XXXX, and XX/XX/2020. BOA advised via written correspondence they would contact me near the end of the forbearance to discuss options. In XX/XX/2020, I received additional correspondence advising BOA was unable to contact me and therefore they are extending my forbearance for an additional 90 days. To my knowledge, BOA never attempted to contact me. On XX/XX/2020, I contacted BOA to advise I was able to resume normal monthly payments as of XX/XX/2020, however was unable to bring the account current and requested options. BOA advised that my only options, offered by XXXX were a repayment plan or a loan modification. My understanding is that XXXX is offering a deferment option to all its customers and therefore BOA is incorrect in not offering me the deferment option.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 an attorney contacted me regarding payment due on a project. We determined that I could pay {$500.00} per month in a previous confirmed conversation. They asked me for an update to my card. I gave them my Venmo card number with an ok to charge {$500.00}. 

The attorney charged {$1400.00}. She said that her accounting department would make a one time charge of {$500.00} on the Venmo card then for the following month continue with my regular card on file. 

I received a text message noting the unauthorized charge. I called them right away to cancel because this wasn't my agreement. She stated that accounting would credit the {$1400.00} back and charge the {$500.00} due. Accounting called me and said they canceled the pending transaction and would wait 1 day so that they'd be able to charge the {$500.00}. The attorney charged the {$500.00}. I contacted Venmo to let them know about the unauthorized charge. I wanted to find out when the $! XXXX would be credited back to my account. Customer service canceled my card because I said the word " unauthorized '' i told them I the card isn't the issue it's the charge. They allowed me to keep my existing card. I've contacted customer support daily for the last 5 days. They avoid telling me when the funds will be returned and they avoid talking about the transaction. I apologized for the confusion regarding the card. I never asked support to cancel my card. 

To date I haven't received the unauthorized {$1400.00} debited using my Venmo card. No ETA for the return of the funds and no apology.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WA)

I'm a victim of crime and I am a VICTIM of ILLEGAL MARRIAGES & XXXX & FORCED LABOUR WITHOUT PAY AND HIPAA VIOLATIONS & VICTIMIZATION OF CLONING & HEALTHCARE FRAUD. I AM PENDING XXXX XXXX XXXX CONTRACT PROMISES & MY LEGAL PAYCHECK & I AM BEING SMUGGLED & TRAFFICKED & VICTIMIZATION OF WAR CRIMES & I AM A VICTIM OF CHEMICAL RESTRAINTS & HUMAN GROWTH & RACKETEERING.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a credit card account with Capital One in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of Capital One reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?
Consumer complaint received 2023-01-11
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. (MD)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2020-10-11
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. (FL)

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to Experian, XXXX  and XXXX.
Consumer complaint received 2017-09-17
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: AMERICAN EXPRESS COMPANY (CA)

My American Express show late payment I called the company and they said they do n't report. Late payment not unless it 's 30 days but to begin with I was never late. They told me I was never late.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Pentagon Federal Credit Union, erroneously and without my permission, transferred $ XXXX from my checking account to XXXX XXXX XXXX XXXX to pay for a credit card that an identity thief obtained from XXXX using my information. XXXX alleges that XXXX authorized the transfer, that XXXX is responsible for taking corrective action, and that XXXX is awaiting PFCU to continue with the correction process. Even though I contacted both PFCU and XXXX immediately upon learning of the erroneous debit/transfer, both XXXX and XXXX have shunted me off on one another, but neither have taken measures that effectively restore the $ XXXX to my checking account. Both PFCU and XXXX have practiced avoidance and neglect in addressing this matter. Both have abused me, and the abuse continues. If this abuse continues beyond XX/XX/2023, I will seek damages under the Federal laws applicable to this matter.