davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (KS)

When this loan was given to Nelnet to service I disputed this loan. I am to pay for XXXX  years then the loan is to be cancelled. I have credit for paying for XXXX  years. So I have met the stipulations of the loan according to the department of education rules. I have asked that is the loan is still valid how many months are left to pay. NO answer. They claim that a promissory note exists. YES it does. It states I will pay as per their programs. And when the obligation has been met according to their programs the loan will then be cancelled. I have been on income driven repayment since XXXX. I am now XXXX and live on Social Security. Their determination is that I am required to pay XXXX dollars per month for up to XXXX  years including every month i have credit for making payments since the inception of this loan in XXXX. This is for XXXX loan. And XXXX was in first year of college. Since I now have credit for payments over XXXX  years I have met the loan obligation. This loan should not be reported to the credit bureaus as the obligation has been met. Under their claims, I can never meet the obligation. So am I on the hook forever? When does it end? They Nelnet has refused to disclose this information. I have tried to discuss this with the department of education but since Nelnet is the assigned servicer they keep referring me to Nelnet. Nelnet was assigned this loan to service in XXXX of XXXX. I have disputed the loan with Nelnet since XXXX. XXXX. As they claim, I supposedly still owe {$7200.00}. My question is how many months am I required to make a XXXX dollar payment in order to satisfy the loan? At my age I will never earn more than I am now. Oh and I was listed in XXXX as delinquent becaue I missed paying XXXX dollars a month. how can that be? Somewhere their rules are only for them and not for me. Their program I pay for XXXX  years and it is cancelled. So when have I met the 20 years? I get XXXX answer.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

am filing this complaint against XXXX XXXX XXXX regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but XXXX XXXX XXXX has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent out investigation letters to XXXX, XXXX, and TransUnion on XX/XX/2019 ( Tracking # XXXX XXXX | TransUnion XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Consumer complaint received 2022-08-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

" XXXX XXXX  '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (TX)

Subject : Complaint About Misleading Foreclosure Reporting by M & T Mortgage Bank Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding misleading and deceptive credit reporting practices by M & T Mortgage Bank. Specifically, they have reported that a foreclosure was initiated on my mortgage account, despite the fact that I paid the mortgage in full and in accordance with the terms of the contract. 

The report from M & T Mortgage Bank stating that foreclosure started is misleading because the contract does not include any provision for reporting such an event if the account was paid as agreed and settled in full. The reporting of a foreclosure, despite the account being paid off, has created significant obstacles in my ability to secure a mortgage from other lenders. These lenders have been unwilling to approve me for a mortgage due to the false foreclosure reporting, forcing me to seek a loan directly from M & T Mortgage Bank, who is aware that the account was paid in full. 

This reporting is not only deceptive but also harmful, as it misrepresents my credit history and falsely implies that I engaged in a short sale or other foreclosure-related actions. This could impact my ability to obtain credit or loans in the future. 

I believe this misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting by all credit reporting entities. I respectfully request that the CFPB investigate this matter and help ensure that M & T Mortgage Bank corrects the false information on my credit reports.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (TX)

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX Tracking Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX AND TRANSUNION IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (TX)

Mosaic Loan and XXXX XXXX ( solar company ) Loan Amt : XXXX at 3.9 % interest. 
XX/XX/ Solar sales person named XXXX did his sales pitch and was advised that we have 2 weeks to cancel and may disregard whatever is in the contract because he has control over it and can extend to 2 weeks. Applied for loan and solar and schedule an roof inspection on XXXX XXXX roof inspection was done ; I clarified with XXXX if battery is included in the quote for which is not and only XXXX will be installed instead of XXXX. 
XXXX, I cancelled XXXX XXXX for cancellation ; I found out that there are only 3 days to cancel. 
XX/XX/ emailed XXXX XXXX because there is no confirmation and email mosaic Loan that project will not push through. 
( Couple of phone calls are made every week on this period and XXXX XXXX promised that they will cancel but it takes 30-60 days for it to be cancelled, Mosaic Loan would not acknowledge unless they received a communication from XXXX XXXX that the loan is cancelled. ) XX/XX/ Mosaic Loan sent an email that XXXX XXXX informed them that the solar project will continue. I called Mosaic Loan and I found out that on XX/XX/ Mosaic Loan Released a fund to XXXX XXXX  without informing me. Mosaic Loan said that they have a voice recording of " welcome call '' that confirms my identity and acknowledging my loan. I checked XXXX XXXX XXXX call history but no call was made in my phone number aside from personal and work numbers. XXXX XXXX refuses to coordinate at this point. Hence, I have a loan with no solar panels. To whom they find the voice recording of my name without their phone number registered in XXXX XXXX XXXX call history is fraud. 
In the contract, it is stated that I can cancel even after cooling off period ( 3 days ) but need to pay for whatever was done. In my case, only roof inspection was done which is a preliminary process if my roof is qualified for solar. I understand that they need funds in order to start with the project. However, to release a fund before roof inspection is done is unacceptable. What if my roof is not qualified?
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

This company calls me every single day. Leaves a message with no information other than to call back about debt collection. I have checked all credit reports - theres nothing that even mentions this NCB Management Services. 

I have blocked their phone number previously, and they just start calling on another phone number. I have asked them to stop calling me, they will not. 
When I do call back, they tell me this is their attempt to collect a debt. I ask what they are talking about and they say " we're attempting to collect a debt. '' When I inquire about what debt they're calling me about, they ask me for my personal information including DOB and SSN. I say I have never received anything in writing from them, so I will not provide my personal information- I can't confirm its not fraud. 

They're the ones calling me every day over something I have no knowledge of. If they're contacting me everyday, they shouldn't need me to hand over my SSN before proceeding. Again, I have nothing in writing from them - ever. I have nothing with their name in my emails, my credit reports, nothing! How do I get them to cease and desist communications?
Consumer complaint received 2024-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX for engaging in unfair and deceptive practices during the purchase of a vehicle. The violations occurred during the financing and sales process and are in breach of federal consumer protection laws, including the Truth in Lending Act ( TILA ) and the Federal Trade Commission ( FTC ) Act. 
They failed to include a sum of all charges, proof of insurance and it was not cash in hand.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (TX)

Bank Routing # : XXXX Account # : XXXX Early Warning and XXXX XXXX has knowingly and intentionally reported inaccurate and fraudulent information it received from XXXX XXXX  XXXX. I clearly understand that these reporting agencies only report transactions and data they receive from banking institutions. However, this information must be accurate and a due diligence to conduct thorough investigation of this information is a requirement for a reporting agency as mandated by federal law. 

In light of recent developments with regards to XXXX XXXXXXXX XXXX and fraudulent activity perpetuated on consumers such as myself and millions of others, I an demanding that all transactions reported by XXXX XXXX XXXXXXXX into my file be removed and deleted as soon as possible. 

Failure to do so means you are a willing participant in the fraudulent activity of XXXX XXXX XXXXXXXX and subject to class action suits as well.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

While searching for an apartment I was contacted by an individual named XXXX XXXX I now know to be impersonating a leasing agent. They claimed to be from XXXX XXXX XXXX. They sent me photos of an apartment, sent me leasing information, and an application. I filled out the application ( see attached ) and asked if I could tour the apartment. They told me it was unavailable to tour until the current tenant moved out. They encouraged me to sign a lease anyway as they had lots of interest in the property. The housing market where I live is incredibly competitive so I believed them and moved forward with the process. I received a pretty believable lease and was asked to send a security deposit ( {$550.00} ) and 1 month 's rent ( {$700.00} ) via Zelle on XX/XX/XXXX. I started feeling bad after sending the first month 's rent ( payment confirmation attached ) and asked to see the apartment before sending the rest of the money. I received no response. After a while, I realized I had been scammed. I told them I knew they were falsifying information and demanded my money back. The person I had been corresponding with unsent all their messages, luckily I have screenshots. As far as I'm aware the company has taken no action, I immediately reported the scam to my bank ( XXXX ) which refused to reverse the transaction as of XX/XX/XXXX.
Consumer complaint received 2023-04-04
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. (SC)

I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but Trans Union and XXXX continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however XXXX has one and Trans Union has 4 even adding items that shouldnt have been added back to my report.