davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX  XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

Lease from XX/XX/XXXX to XX/XX/XXXX Needed to move out due to the Pandemic. 
Provided required notice to complex XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Paid all rent. 
They Charged additional month and fees after move out. 
I have been unemployed since XX/XX/XXXX and never delinquent with my bills. 
They are reporting to my credit score and tanking it. 
They are additionally charging interest.
Consumer complaint received 2020-12-01
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 sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2019-03-05
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: Capio Partners, LLC (FL)

Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Consumer complaint received 2020-11-25
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. (IA)

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax, or XXXX does not have any files to verify these accounts, nor will they delete it.
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 — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (CA)

I attempted to take a course online with XXXX college during the time I sent a down payment I was unable to go on with the course due to online interaction with course material I made numerator contacts with them the problem wasnt fix I then opt out of the course they wouldnt let me I couldnt move forward in this course why should I have to pay for a course I didnt begin and couldnt this unfair that they are requesting money from me and slandering my credit
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I reported three fraudulent transactions from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They closed my account, will not reissue a card and stated they did close it on XX/XX/XXXX. I did not have an account then. They wiped my statements, took my reward points and have not refunded my reward points from a carnival cruise that was COVID cancelled. I'm at a loss as to what's going on. I need the fraud investigated and my account restored asap along with a replacement card. They seem to have no information of my account except a balance that I will try to transfer if this goes unresolved.
Consumer complaint received 2019-03-05
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. (LA)

I disputed an account with Equifax, they failed to provide the method of verification. I have proof they did not perform a proper investigation to verify the inaccurate items on my report. They clearly stated they verified the information with a third party vendor and they are suppose to verify with the original creditor. The third party vendor has sent documentation showing a security freeze on my information that have with them months prior to the date of the dispute. They have completely ignored my request to verify these items on my report and refuse to removed the damaging unverified inaccurate items from my report. Please help me. Im not sure of what else I need to do at this point.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 I tried to get my free annual credit reports. I succeeded with XXXX and XXXX. I answered all of Equifax 's security questions accurately and was subsequently notified that they couldn't provide it online ( screenshot attached ).
Consumer complaint received 2020-12-01
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: CreditNinja Lending, LLC (TN)

I received my credit report and found an inquiry on my XXXX  report. The company that inquired was XXXX XXXX on behalf of Credit Ninja. I have never heard of Credit Ninja or ever applied for credit with them or any company they are associated with.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (GA)

I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.
Consumer complaint received 2018-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MO)

Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I got XXXX XX/XX/XXXX of 2020 I was released XX/XX/2020 for traffic tickets, as I was XXXX my information got stolen with my PIN number ID social security card and numerous of other things, when I was released XX/XX/2020 I called Wells Fargo they did it investigation and came back and said that I had something to do with it Huh?? When I was incarcerated at the time so in the midst of that I had insurance checks coming into my bank account direct deposit {$500.00} {$10000.00} {$1000.00} check that would come so one for {$500.00} went into my account and they told me that they're keeping the {$500.00} and there's nothing that i can do about it, I couldn't believe my ears and what I'm hearing.. They closed my {$500.00} secured credit card account as well as my checking and saving account and I don't think it's fair because I had nothing to do with this matter that occurred while I was XXXX so I need to know how do I go about this and take full legal action. My credit score is screwed all up I can't open up a bank account nowhere I'm stressed and feel emotionally discomfort and most of all confused and even hurt behind this allegation that put against me which is a lie..
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (CT)

IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and CITIBANK refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore CITIBANK sold my information to XXXX XXXX XXXX.XXXX who in turn hired attorneys to take me to court XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also CITIBANK refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this CITIBANK DEBT was from XXXX until it was sold to XXXX XXXX.XXXX  who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to CitiBank with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency XXXX XXXX.XXXX and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the XXXX XXXX XXXX by CITIBANK be investigated along with XXXX XXXX.XXXX and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX  XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXXLoan Amount {$0.00} {$28000.00} XXXX XXXX XXXX  Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}
Consumer complaint received 2019-03-05
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. (MA)

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (TX)

COAMERICA BANK took so much money from me in fees that I walked away and left them and their ridiculous balance. Id say overall they took over {$1000.00} from me. Their way of banking is different than any other bank I have banked with. It is almost set up to penalize you whenever possible. When you deposit money the bank puts that in first than pays your bills. Not COAMERICA. COAMERICA pays your bills than puts your deposit in. Leaving me with 5-10 over draft fees. I went to the manager multiple times about it. He did reverse the fees, apologies were made. However it continued. I had to take my business elsewhere. I was rejected for an online checking account and pulled my XXXX XXXX report. COAMERICA has reported me for account abuse and a balance of their fees of {$930.00}?! This infuriates me. They are the ones who abused my account. My husband is a witness to this. I want this account resolved and removed from my XXXX report. They can not get away with this. I have never had this problem before. Thank you.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BARCLAYS BANK DELAWARE (CA)

I opened a Barclay Savings account, ending in XXXX, in response to a offer for XXXX card members for XXXX bonus points, it has been more than 60 days since meeting the $ XXXX balance requirements and 8 weeks since the promo ended on XX/XX/XXXX - I have still not received my points. I have contacted Barclays via secure email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - each time promised points would be added to account, they have not been.
Consumer complaint received 2020-07-23
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. (MI)

Equifax, XXXX  and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Left an apartment complex with rent paid in full. 2 weeks later my account was submitted to collections without my knowledge or allowing me to dispute the debt before hand. I have requested a signed contract with my signature showing I was made aware I would be charged for cleaning after move out and the company has no such documents nor was I advised if these charges before being immediately turned over to XXXX XXXX  without any attempt to notify me before hand. I have requested the company provide proof of the validity and all they have sent is a copy of my XXXX that I did not violate in anyway.
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (TX)

I called CFPB today to make sure we could file a new Complaint based on new and compelling information I received today, XX/XX/2020, and the CFPB Representative assured me we could and that this information was not previously considered or known. 

On XX/XX/2020, I researched and found that Lincoln Automotive Financial Services ( Lincoln Financial ) has violated at least one ( 1 ) Code of Federal Regulations ( CFR ). 

The specific CFR is, 34 CFR 682.205 ( a ) ( 1 ) and ( 2 ), Disclosure Requirements for Lenders.

Paragraph ( a ) Repayment information - ( 1 ) Disclosures at or prior to repayment, 2nd sentence reads, " the disclosures required by this paragraph must be made not less than 30 days nor more than 150 days before the first payment is due from the borrower. '' ( 2 ) The lender shall provide the borrower with - ( i ) The lender 's name, a toll-free telephone number accessible from within the United States that the borrower can use to obtain additional loan information, and the address to which correspondence with the lender and payments should be sent ; '' My wife and I have never been provided the required information as described under 34 CFR 682.205 and to date do not even have not been provided an Account Number from Lincoln Financial, and our first payment is due per the Retail Sales Agreement ( Attached ) of XX/XX/2020, which is less than 24 days from today. 

We have attempted to obtain this information by numerous emails thru the Lincoln.com website that this information has not been provided, and the last email and attempt was made on XX/XX/2020 ( Attached ) to provide factual evidence and proof. 

Lincoln has violated our rights as borrowers and Consumers and if they have done this to us, we believe they have done this to numerous unsuspecting Consumers now and/or in the past.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (PA)

I had a credit limit of {$1000.00} when I first opened up my Synchrony Bank Ashley furniture credit line. I have made my payments on time over the minimum amount due for a year. I received a notice from my credit reporting agency that my score went down. I looked into it and found out that synchrony decrease my credit limit down to {$590.00}. I was given no prior notice. And they refused to tell me why. This has drastically lowered my credit score.

After reading reviews this is happened to many other people during this Covid-19 pandemic. I have never missed a payment and I always paid more than the minimum amount due so they should not of happened to me. I believe this is unfair business practices.
Consumer complaint received 2019-03-04
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: JPMORGAN CHASE & CO. (MN)

I discovered on my credit report that there was a credit account opened under my name at J.P. Morgan Chase Bank, N.A. I have attempted to contact the bank multiple times however they kept transferring me to different departments. I have never had banking relationship with this Bank and their reporting in my credit report, when I disputed it with the credit reporting agencies, they asked me contact the bank directly.