davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

XX/XX/XXXX I, XXXX XXXX, requested consolidation of my loans serviced with Nelnet with a single loan via XXXX XXXX University and serviced through XXXX XXXX. My call requested that the loans are serviced as they were except with the XXXX loan added to a group that can also be processed from a single payment. Instead, Nelnet only consolidated the loans that they were already servicing and raised the average interest rate by 0.8 % This will force me to pay more than my plan would require because as of XX/XX/XXXX I have been paying about double my minimum payment and directing the excess payment to the principle payment of the loan with the highest interest rate, which was 6.6 % This interest rate is higher than the new consolidated interest rate but it would have been paid off in less than six months and the next highest interest rate was below 4 %. 

XX/XX/XXXX XXXX, XXXX XXXX, called Nelnet again to reverse my unwanted consolidation. I was told this was not possible so I then reaffirmed my instructions to pay approximately double the minimum payment required and apply everything after interest to the principle of the only consolidated group. This was not followed and all payments above the minimum were applied to future payments instead of the principle. I only want my principle lowered because I want to pay less interest each month. 

XX/XX/XXXX I, XXXX XXXX, called Nelnet to find out why there was no automatic payment. My loans were in deferment because I was enrolled in above half time at XXXX XXXX University. I made an electronic payment to keep my payments consistent with specific instructions to apply all of the payment towards interest of any unsubsidized loan and then apply the rest towards the principle amount because the interest of my subsidized loans was being paid because of my school enrollment status. {$430.00} of the {$600.00} payment was applied to interest instead of loans even though I had been making payments each month because " a mistake was made when handling interest of the two loans under the consolidated group '' XX/XX/XXXX I, XXXX XXXX, called Nelnet to to figure out why {$430.00} and why my next payment has {$200.00} of interest when the previous payments had $ 10- {$20.00}. After being on and off hold for 2 hours I finally got the answer.
Consumer complaint received 2022-10-27
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: Convergent Resources, Inc. (PA)

On XX/XX/2022 I reported this issue of an account that was never opened by me being reported on my credit report, from a collection agency. The are obviously weaponizing my credit report to make me pay a debt that isnt mine. After submitting my complaint, the company removed the negative item. 
On XXXX I received an alert that the same company put the account back on my credit report, 4 months after removing it! 

This is unfair, deceptive and clearly an abusive tactic!
Consumer complaint received 2019-06-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Identity theft is taking the promissory note that I gave a signature to and credited that promissory note as it belongs to them and allonged pay to the order of them. and not giving me the credit which is the face value of the instrument. 
Taking signature and pretending that the instrument belongs to them They are acting like they are the ones that gave consideration. 
identity theft is stealing the signature and putting it in street name and not giving the credit XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

My loan ( which was forgiven under XXXXXXXX XXXX XXXXXXXX ) was transferred to Ed Financials. Starting this summer, I started to call to see where my case was in terms of forgiveness. I had been given the run around until I spoke with one agent who told me that the loan would be fully discharged in early XX/XX/XXXX. As of today, I had not heard anything from Ed Financials. I have been calling for over two weeks and leaving a call back number. I finally had someone return my call only to tell me that she could not find my loan in the system, although it's still on my credit report. The call kept getting dropped, she returned call two times. I was told a supervisor would call me back - as of today, I have not heard from a supervisor. I ended up calling XXXX XXXX XXXX. I was able to get an agent who told me that he could see what was going on with my case. He told me that my loan was finally discharged on XX/XX/XXXX. It could take up to a month to reflect on my credit ; however, I am still waiting on my refund from payment I've made. I attempted to call Ed Financials again. The wait times are from XXXX to over XXXX minutes. As of today, I still have not received a call back. I would like to know the status of my refund and get a call back!
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I had a Citi Double Cash credit card for 4 years. I had 7 instances of fraud on this account which required them to issue a new card number. Most recently I had 3 instances of fraud in XX/XX/2019 that required them to issue new card numbers. In each case I have had my physical card in my possession and fraud was all carried out online. I don't believe that Citi has investigated these issues or taken proper measures to protect my account. I also believe that Citi 's employees were in some way responsible for the fraud. I have had several conversations with their customer service and fraud department ( which are all located outside of the United States ). Nobody ever followed up with my concerns even though they claimed they would investigate. The most recent incident involved people signing up for recurring subscription services with my credit card and even after a new card number was issued they rolled those fraudulent subscriptions over to my new account. I was told by one representative that in fraud case they would not authorize any recurring charges on the new account by their policy. So at the very least they are incompetent in following their own policies and at worst they have people working internally that are taking part in fraud against their customers. I have since closed my accounts with Citi because they are a liability to me but I feel like they should be investigated.
Consumer complaint received 2023-09-07
Product: Credit reporting 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. (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing to request the validation of a debt that has been reported on my credit report by your company, XXXX XXXX XXXX XXXX XXXX According to my credit report, this debt is associated with Account # XXXX and is categorized as a secured installment loan. 

I am seeking validation of this debt as I have no knowledge of it, and I dispute its accuracy. Please provide the following information to validate the debt : 1. Documentation demonstrating that XXXX XXXX, XXXX has the legal authority to collect this debt. 
2. The original loan agreement, including the terms and conditions.

3. A complete payment history, including all transactions and charges associated with the debt.

4. The date of the last payment made on this account.

5. Any additional information that can verify the legitimacy and accuracy of this debt.

I am requesting this validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Until this debt is properly validated, I dispute its validity, and I request that all collection activities cease.

I kindly request that you provide the requested documentation within 30 days of receiving this letter. Failure to provide this information within the specified time frame may result in further action to protect my rights under federal law.

Please send all correspondence regarding this matter to the address listed above. I prefer to communicate in writing to maintain a clear record of our interactions.

Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter as soon as possible.

Sincerely,
Consumer complaint received 2022-06-23
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. (TX)

I have sent numerous complaints for equifax and XXXX also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 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 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 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 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 2023-09-07
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. Experian has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. EXPERIAN HAS NOT RESPONDED TO MY COMPLAINT.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have applied for PSLF program and with all of my employers and time certified, in calculating MOHELA has simply left out months so the 120 months are not reflected. I have been contacting them for almost a year and I can't get an explanation or reason why nothing is being done. Also don't know status bc even the most recent certifications are not increasing the number of months which now far exceeds 120. I just want an answer and someone to fix.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, and XXXX continue to report inaccurate infromaton for the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to formally dispute and request the investigation of several inaccuracies and fraudulent activities on my credit report obtained from your bureau. After careful review of my credit report, I have identified the following discrepancies that require your immediate attention and resolution : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The personal information listed here are inaccurate and seems does not belongs to me. I dispute the accuracy of the collection accounts listed above. I have no knowledge of these accounts, and I have not been contacted by any collection agency regarding this alleged debt. I request a thorough investigation into the validity of this debt and ask that it be removed from my credit report if found to be inaccurate. I have not authorized or initiated any credit applications with the companies or institutions mentioned above. These inquiries are fraudulent and unauthorized. I request that they be promptly removed from my credit report to prevent any further damage to my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours ensure the accuracy of the information they report. Therefore, I kindly request that you promptly investigate these disputed items and make the necessary corrections to ensure the accuracy of my credit report. Enclosed, please find copies of supporting documents, such as identification documents and Proof of Address attached on my letter to assist in your investigation. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the removal have been made.