davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I am writing to file a complaint regarding unresolved inaccuracies on my credit report related to a Nelnet account. I previously submitted a complaint XXXX challenging XXXX XXXX  payments appearing only on my XXXX report. 

Nelnet responded to my dispute, but their response is deeply concerning and raises significant Fair Credit Reporting Act ( FCRA ) violations. The XXXX XXXX  payments are present only on my XXXX report. This inconsistency across credit bureaus ( XXXX, XXXX, and XXXX ) is a clear violation of the FCRA, which mandates furnishers like Nelnet to report credit information accurately and consistently to all XXXX  bureaus. Nelnet failed to provide opt-out disclosures related to these XXXX  payments. The FCRA requires furnishers to provide consumers with the opportunity to opt out of receiving account information electronically. Nelnet 's failure to do so constitutes another FCRA violation. Nelnet claims the XXXX  payments are accurate, yet they haven't provided any evidence to support their claim. They haven't furnished a copy of the XXXX  agreement containing my signature, nor have they provided any XXXX XXXX  history demonstrating XXXX  payments. Without proper verification, these XXXX  payments can not be considered accurate and should be removed from my report. Nelnet 's response to my initial dispute is not only inaccurate but also demonstrates a disregard for my rights under the FCRA. I am confident that a CFPB investigation will reveal the merit of my claims and hold Nelnet accountable for their reporting practices. I appreciate your assistance in achieving a fair and accurate credit report. I have attached all relevant documents to this complaint, including my initial dispute with Nelnet, their response, and a copy of my XXXX credit report highlighting the disputed XXXX  payments.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/24, I paid my entire account balance with midland credit management. I was told, by them, that they report weekly to credit reporting agencies. Yet balance shows as XXXX still owed, which is incorrect. Balance is paid in full. I want this off my credit report, as it is actively and negatively affecting my credit. 
I have contacted the company several times by phone and through their app over the last XXXX weeks, they say it shows balance paid in full " on their screen '' but again, it's still showing on my credit.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX  & Trans Union continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. XXXX  has reported they did an investigation, however XXXX  is wrong and I will continue to dispute these accounts and have the law make XXXX  use their assets to explain until XXXX  removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet XXXX  says they have seen it. So I am requesting XXXX  to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.
Consumer complaint received 2020-05-31
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. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (KY)

I do not owe this debt. Once again I reached out for validation of this alleged debt of {$2400.00} on XX/XX/XXXX. I have a yet to receive a response. At this time I demand the alleged debt to be immediately removed from my credit reports as soon as possible. This is damaging to my reputation. I never got a letter allowing me the time to dispute this debt with them before they illegally attached this to my credit profile in XXXX. Once again I have asked for validation of this alleged debt. They have it listed on my report that it was " verified '' on XX/XX/XXXX. Which is not true. I have not received any sort of verification or validation and because they failed to respond within 30 days. I know this must be removed from my credit report.Thank you for your time.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

CFPB Complaint Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a XXXX  complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your XXXX attempts on a reported XXXX. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the XXXX XXXX  legitimacy. 
XXXX. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the XXXX as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in XXXX XXXX activities ( XXXX XXXX XXXX ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ). 
XXXX. XXXX XXXX Information to XXXX XXXX Agencies : You placed a XXXX on my XXXX XXXX without providing the necessary XXXX required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ). 
Request for Action : XXXX. XXXX XXXX XXXX all XXXX : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through XXXX mail. 
XXXX. XXXX Validation : I demand complete validation of the alleged XXXX, including : * A copy of the original XXXX agreement. 
* Proof of assignment of the XXXX from the original XXXX to XXXX XXXX XXXX. 
* An XXXX statement of the XXXX, including dates of XXXX and XXXX. 
XXXX. Proof of XXXX and XXXX : Please provide documentation proving your XXXX and XXXX to collect XXXX in my state. 

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within XXXX days, I will be forced to pursue further XXXX  action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and/or seeking XXXX XXXX 
Sincerely, XXXX XXXX XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

At the time my loan originated we owned less than 20 % equity and agreed to pay PMI. The company claims to have a process to cancel PMI sold the LTV ratio meet 20 %. After weeks of going through their steps, Dovenmuehle charged me to have an appraiser come to my home. His report showed that I own 42 % equity in the home. Dovenmuehle has refused to cancel PMI and is now asking me to restart the request process.
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. (FL)

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-05-31
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: Credit Plus Inc (FL)

My complaint is regarding Credit Plus and XXXX. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2020-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

My bank PNC makes it impossible to connect my XXXX app account. Its getting annoying trying to reconnect every time I log on and 95 % of the time it wont reconnect for some strange reason and I would very much like this taken care of. Thank you for your time.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (VA)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is about Transunion and XXXX / XXXX XXXX   place XXXX inquiries on my Transunion XXXX file without my consent. Please see below. 

I am victim of identity theft, this has been reported to the XXXX major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize XXXX inquiries on my Transunion Credit Report on XX/XX/2019. 

Please remove immediately. XXXX XXXX from XX/XX/2019 XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX there was an International ACH ( IAT ) transaction originated out of my Paypal account for an amount of {$750.00} to a counterparty unknown to me. I raised this immediately with XXXX and created a XXXX case. I received a message on XX/XX/year> that the case has been closed and deemed not unusual or fraudulent. PayPal then released the funds to this unknown counterparty. I will add that I had a XXXX Bank account connected to this PayPal account so technically the fund transfer went from XXXX -- >Paypal -- >Fraudulent IAT. 

I have not yet appealed with PayPal but I do not see how they can close a case if I am telling them that I did not make this transaction and that it is fraudulent. Also, the activity does not align to my transaction history on PayPal- which I use infrequently and have not made any payment to this counterparty before.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have already submitted a complaint about this but have not received a satisfactory response from Chase. 

We closed lated. PERIOD. And the response was that it was our fault that underwriting didn't have the full package from us when there was NO PHYSICAL POSSIBLE WAY for us to submit documents that WEREN'T REQUESTED or when our PORTAL DIDN'T HAVE TASKS TO SUBMIT. 

Chase stalled the process and then blamed it on us for not PREDICTING what documents they needed? 

What does the Closing Guarantee guarantee? Because we closed late. So an on-time closing was not a guarantee. Sad that this is how Chase treats their clients. We did everything that was asked and did it promptly, we closed late because it was Chase 's fault, but Chase thinks it is our fault that they didn't get the " complete package '' from us. What a scam.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

I refinanced my only loan with Mariner Finance last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXXXXXX XXXX XXXXXXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and XXXX all three to update and close this old loan and add the new loan. They can contact Mariner Finance to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and Mariner to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Consumer complaint received 2020-05-30
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

When I reviewed my XXXX XXXX  on XX/XX/24, I discovered a XXXX XXXX entry attributed to XXXX, amounting to XXXX, which was forwarded to Jefferson Capital Systems. Upon contacting both XXXX and Jefferson Capital Systems, they verified that no account exists under my name. I promptly initiated a dispute with XXXX and the XXXX  on XXXX and XXXX and XXXX on XXXX in the hopes of swiftly resolving this issue. The unauthorized entry has significantly impacted my XXXX XXXX, plummeting by XXXX points within a mere XXXX weeks. Regrettably, this marks the XXXX occasion I've encountered such XXXX  activity with XXXX.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

I recently opened a savings account with CitiBank and when attempting to transfer funds to my connected XXXX XXXX checking account ( the account used to fund the savings account ) I received an error message and was instructed to contact customer service and tell them I was receiving error code XXXX. The amount I was requesting was below my daily limit. After a long struggle with the automated attendant I reached a customer service representative who told me there is nothing wrong appearing on the account and I should attempt again in XXXX hours. I let her know this was not acceptable and she transferred me to another representative that again informed me of the same and I aske to speak to someone to close my account. After ton minutes on hold I reached the third representative that informed me that I could not close the account for XXXX hours. After a call that took nearly an hour, I informed them I was going to file a complaint and hung up. 

I will attempt to close the account in XXXX hours and hopefully I can end my relationship with CitiBank. XXXX I am concerned that a bank can hold a customers money and not provide access to the funds.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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