davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

Sent via email to XXXX on XX/XX/2020 at XXXX XXXX, my post discharge monitoring form. I want to make sure that it is processed and also need to confirm what year that I am in for the monitoring period. 

I have attached a copy of the completed form to this complaint.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/22 I received a notice on my phone that an unauthorized person was trying to access my banking account and that it was temporarily locked. Upon reaching out to my bank to sort the matter, my bank called Ally Bank had frozen my account due to what they alleged was a fraudulent XXXX deposit of {$200.00}, from nearly 4 months ago. I don't about you, but I make online purchases and returns everyday. I do not have time to look through all my transactions with a fine comb to determine fraud. Now they have frozen my account because they alleged someone illegally sent me {$200.00} to my account through publicly used app called XXXX which I was not aware of. First off, I have no control on who sends me money especially through a public service such as XXXX. 2nd they claim they will have to freeze my account for up to 30 days. I did not do any wrong or illegal so how it is I am being penalize for something I did not do? Please make it make sense to me.
Consumer complaint received 2021-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My name is XXXX XXXX XXXX. I am permanently XXXX. I am currently receiving XXXX. Before I became XXXX, my loan was set to autopay. I was never late, and I never missed a payment. According to the payment agreement with Nelnet, if one set their payment to autopay, Nelnet would reduce the interest rate to somewhere south of 6 %. My loan has been on auto debit during the entirety of my loan. Nelnet and Great Lakes used this difference in the interest rate to falsely report to the government the amount I paid to them during the time I was repaying my loan when in fact they were applying the funds I paid to future payments in order to keep me from paying on the principal. When the inquiry came from you guys previously, they reported to you all that my loan was being repaid at 6 %. 

Now that my loans have been transferred or are being transferred. Nelnet has transferred my loans at the discounted rate based on the auto debit rate leaving behind the difference in the interest rate each month. So despite the fact that I became XXXX on XX/XX/2020, and the letter says I am entitled to a refund of all payments made after that, Nelnet is now actively charging me the difference in the interest rate each month showing that for the first time in the over 15 years that I had been paying on my student loan despite serving in the XXXX XXXX in XXXX, Law Enforcement for 8 years, and as a state prosecutor all the while being told I did not qualify for the Public Service program, Nelnet is still using predatory tactics to not only cheat me, but to cheat the government as well. I am XXXX through social security. I am 90 % XXXX veteran. Sending Nelnet a letter to ask them about it is a little like sending a serial bank XXXX a letter asking him about a previous bank robbery. At what point is someone going to engage in a serious inquiry of a company where there is more than probable cause that they are engaged in wire fraud, mail fraud, conspiracy, and a host of other crimes. How many other people have to complain about these people. Currently my account with Nelnet looks like I am in arrears for the first time ever. I am hopeful that someone can actually assist me in this matter. Thank you very much
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Dear CFPB, Synchrony bank is defrauding its customers by embezzling their payments. They closed my account XXXX  months ago but never returned my payment which resulted in a negative balance at account disclosure. Not only they try to steal customer 's rewards points, they also try to outrightly steal customer 's payment/money. Please investigate this shady bank.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MO)

My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.
Consumer complaint received 2021-06-22
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-11-28
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. (VA)

On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, Equifax and XXXX advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Equifax and XXXX have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (FL)

I would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX day late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX Account XXXX : XXXXXXXX XXXX days late in XX/XX/XXXX.
Consumer complaint received 2021-08-09
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: SYNCHRONY FINANCIAL (NY)

I need a care credit loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused
Consumer complaint received 2021-08-09
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: WELLS FARGO & COMPANY (NY)

I need a XXXX XXXX loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (AL)

I have disputed this account many times with SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX. The date it was assigned is XX/XX/2020 and the amount is {$85.00} it doesn't belong to me.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

In XXXX of XXXX my XXXX XXXX XXXX caught on fire while I was driving. I contacted Hyundai because there apparently was a recall on the engine. During that time I needed a rental car that I would have to pay out of pocket for. As a XXXX veteran, I could not afford to pay both a car note and a weekly charge for a rental so my payments for the car fell a few months behind. I received a letter from Hyundai saying that if we did not pay by XX/XX/XXXX, they were planning to charge the car off. I ended up paying the amount due as well as past due before the deadline. By the end of XXXX the car was paid off and the account closed. I went to XXXX to purchase a used car in XXXX of XXXX and was told that there was a charge off on my credit report. I ordered my credit report and saw that it said it was paid off as well as charged off. I contacted Hyundai immediately and they explained to me that it was a mistake and that they would fix it. They said it would take 30 - 60 days to be fixed. I checked a few months later and it was still on my credit report as a charge off/paid. I disputed this with the credit bureaus and Hyundai did nothing to fix it. They have the proof of the vehicle being paid off in full, not charged off. Not only did they not fix the charge off on my credit report with all 3 credit bureaus, but they completely erased the car from my husbands credit report. It is now XXXX and I can not get a car without a co signer.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.
Consumer complaint received 2019-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cumulus Funding LLC (CA)

I have been trying to reach someone at XXXX Align in response to paying off my loan with them. Their billing department appears to be non-existent. I can not find a way to payout the loan in full online, nor can I reach anyone via email or via phone. It goes to a voicemail and the email is not responded to.
Consumer complaint received 2022-08-22
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. (FL)

There are many fraudulent hard inquires listed on my credit reports ( Experian, XXXX, XXXX ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of 72 months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX XXXX, I received a noice XXXX XXXX XXXX. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed.
Consumer complaint received 2019-06-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have filed several letters to XXXX and Equifax regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

On XX/XX/2019 my mom, XXXX XXXX, ( I have her power of attorney ) made her last mortgage payment to diTech on line and it has posted. On Saturday, XX/XX/2019 she received a letter saying that her last payment was short {$74.00}, which was very confusing to all of us ( it is due by XX/XX/XXXX!! ). She called them today ( XX/XX/2019 ) and was told that this was a fee to release her account. 

My mom is XXXX years old, ill and on a very fixed income. She feels like she may be getting scammed or taken advantage of because she was completely unaware of any fees to close her account as she has been paying on time faithfully for the length of the loan. It seems if any " fee '' is incurred for them to send her her paperwork it should be no more than the cost of a postage stamp. 

She is very stressed over this because she feels like if it is fraud, her bank account info will be in the wrong hands, but if it IS legit she is not going to have the payment in on time. She seems to be in a no win situation at this time. 

Any help you could provide for her would be greatly appreciated. Please feel free to contact me at anytime via cell # XXXX. 

Regards, XXXX XXXX POA documents available if necessary
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Please see attached documents for details. Last year I was a victim of a scam by a company and was made to purchase some equipment on my Chase Credit Card and was given an account number to pay off my card. They said I have been added as an authorized user to make the payment from that account. I called Chase Bank to make the payments and the lady confirmed that the payments went through. To be sure I waited for my statement to confirm payment. Once I got the statement stating so I assumed the payments went through I then shipped the equipment. Then I received a letter from the bank saying my account has been closed due to the high amount of purchases. Because of my auto payment there was a credit of {$100.00} for which they sent me a refund check. Now this year after closing my account and sending me statement confirming XXXX balance and sending me a refund check they sent me a letter that I need to make the payments. If the payment did not go through initially, why did their rep confirm it did and why did they send me XXXX balance statements and a refund check. Either it was an error on the reps part for not confirming I am an authorized user, or someone at the bank was a part of the scam who might have put my name there. I had sent a letter and also spoke to someone over the phone and requested them to check what happened, because it was a shortfall in their system or policy that someone can just make a payment using any account number and the rep does not check if the person is authorized to do so and process the payment. And why does the bank send XXXX balance statement to mislead the customer. There has been no response related to this matter from Chase Bank and now they have reported non payment and my credit has been hit because of an error or negligence of their rep and their system.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

We disputed charges with Home Depot for over 3 years and finally they just wrote off the account in XX/XX/XXXX with out fixing it, then it affected my perfect credit report and for the 4th time asked that it be removed from my report. Now its with a credit collection agency. This is horrible and during Covid-19 I have been turned down for credit. All I'm asking for it be removed from my credit report. It is the only negative item on my report. Please help!! I have sent this attachment to Home Depot, Citi Bank, and XXXX XXXX many times