davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MI)

Nelnet the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page 5 of 9 of the federal consolidation loan application and promissory note. Nelnet send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. Nelnet without the Disclosure Statement and Repayment Schedule means no money was distrubited. Nelnet on page 2 of 9 of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXX XXXX XXXX XXXX XXXX  why? The loans listed on page 2 are not my federal student loans. Nelnet send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
Nelnet you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. Nelnet you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. Nelnet you have damaged me. Nelnet it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint Nelnet does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file.

Nelnet send me the Disclosure Statement and Repayment Schedule now.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: GUARANTEED RATE INC. (FL)

Guranteed Rate pre approved my loan back in XX/XX/2023. We went through the entire process and I found a house that we planned to close on in XXXX, Georgia. XX/XX/XXXX was the original closing date but the underwriters asked to extend the closing date to the XXXX so we all signed the 8 day extension to make that happen. During that week I had to sign a bunch of explanation letters explaining my work hours and get them a bit more info that they requested. The day before closing I got the thumbs up that we'd be closing the next day! I currently live in XXXX and would need to drive up to XXXX to close at XXXX the next day - I set off early morning and got a call about XXXX hours into the drive that they needed to more letters signed and I did. XXXX hours before closing I got the call that I would not be closing that day and that I did not in fact qualify for the loan amount that the pore-approved me for back in XXXX! 

I lost the earnest money I put down - {$2500.00} and convinced Guranteed Rate to refund me the appraisal but they refuse to take responsibility for the earnest money that the seller now gets to keep because the deal went haywire. I had no time to save the deal and no means to come up with the additional money that I didn't know I'd need. 

No one should be able to get XXXX hours out from closing and the deal fall apart because the lenders couldn't determine the loan amount their client qualifies for. 

Guranteed Rate Location & Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX XXXX INQUIRY-XXXX  XXXX, 2023 XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XX/XX/2023 XXXX XXXX : INQUIRY- XXXX XXXX XXXX 2023 XXXX XXXX : INQUIRY- XXXX XXXX, 2023 I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LendingPoint Holdings LLC (LA)

This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/2015. It has been XXXX  years since this account reported. As the FCRA states that accounts XXXX  years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. XXXX has not removed this information as well.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Between XX/XX/2023 and XXXX XXXX Credit acceptance has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX  and XXXX XXXX My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.
Consumer complaint received 2023-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : BANK OF AMERICA XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

There was {$1.00} late fee from a payment that was made literally XXXX hour after their " cut off time '' so i paid the account balance which included the ridiculous late fee and current charges. Which means the balance was paid before closing date. I contacted them in reference to this and they said they are not able to waive a {$1.00} late fee! And now they are charging me a finance charge fee on a late fee. Absolutely ridiculous. What I owe I have paid so the balance is only fees. My obligation has been satisfied.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

In 2017 my debt with XXXX XXXX XXXX credit card was near the 10k limit. I had already paid off an auto loan through them and then sold that vehicle to pay off my debt. Including the credit card debt. While hospitalized I recieved bills from XXXX XXXX XXXX as if unpaid. Now in collections. They sent me a bundle of paperwork showing several purchases from that card. The paperwork they sent has a signature with my name in cursive ... It is not my signature. This debt is paid. I paid cash inside the credit union bank.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Complaint Regarding Debt Reporting by PORTFOLIO RECOVERY Company : PORTFOLIO RECOVERY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Amount : {$440.00} Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate debt reporting by Portfolio Recovery for an alleged debt of {$440.00} under account number XXXX. On multiple occasions, I have formally requested debt validation from Portfolio Recovery, including the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> To date, Portfolio Recovery has failed to provide any response or validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt, including a copy of the original signed contract or purchase agreement with my original wet ink signature. 

I assert that I am not liable for this debt of {$440.00}, and I do not have a contractual agreement with Portfolio Recovery. Since they have failed to validate the debt after multiple requests, I believe their continued reporting of this debt is in violation of the FDCPA. 

I respectfully request the CFPB 's assistance in having this account permanently removed from my credit report. Additionally, I request that Portfolio Recovery cease all further collection attempts related to this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

I received a notification on my credit file of a negative account. 
NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary. 
This is exactly how it is listed. After calling, I received an email with a link to send the information I had showing this debt had already been paid and that it needed to be removed from my credit files. I sent them an email with a receipt from SC XXXX XXXX showing that the balance had been paid and that they paid more than is currently being reported. I have not lived at the address since XX/XX/XXXX. The original creditor knows this. This debt was paid in XXXX by XXXX XXXX XXXX and I received an email from them with the receipt showing a breakdown of what was paid to B and D XXXX XXXX XXXX.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America account is newly opened and I have used it for about a month and a half. I am XXXX. I deposited a check for a friend who does not have a bank account, and he has endorsed it to me. Then I used my debit card to deposit it into the Bank of America ATM aXXXX XXXX XXXX  on XX/XX/year>. About 3 days later, Bank of America notified me that it was suspected of fraud and directly froze my account permanently and completely, and notified me that I would never be able to use the Bank of America account again. Bank of America notified me that they do not accept third-party checks. However, according to the law, banks can accept third-party checks. Bank of America has no reason to completely close my account and permanently prohibit me from using the bank 's services, so I want to complain to Bank of America. They generated evidence to return my check, and the bank staff told me that they would mail the check to my address within 10 working days, but I have not received it yet.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

I had XXXX students loans and then they combined to XXXX students loans and then they combined to XXXX loan with out my knowledge. I had a plan to make a payments as I agree with them. Every years I renew it with them. But back in 2019 I never get any communications with them and they claimed they did contacted me. I tried to let them know I never received any notification about my payment status and they violated my rights. They just reported to the credit boroughs and damaged my credit report. They claimed that they did contacted me but I never received any notification from them.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMERICAN EXPRESS XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX XXXX XXXX XXXX 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXXstep validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (CA)

I called the trueaccord collection agency who wanted more information which I refused other than email It is worth noting that email that I got was from XXXX It should be fraudulent and -very was there. But trueaccord agent just wanted more information from without telling me to ignore. 
They found the account number mentioned in the email.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (MD)

Processed a XXXX ' transfer to my mother in the XXXX for XXXX XXXX. Wise needed verification of some documents, which we provided so after a short delay it went through. 

Processed the full transfer amount ( repayment to my mother for some monies she lent us XXXX  in the XXXX visiting ). Transferred this and money was taken on XX/XX/18. It has now been out of our account for XXXX XXXX  and they are still saying there is a 'hold ' for verification, but they do not have any request for information or any further action. 

Thanks
Consumer complaint received 2024-09-28
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: CITIBANK, N.A. (PR)

i was a victim of identity theft 2 years ago and everything still on my report. i went to the police and police report is made, identity theft is made now im procedding with the cfpb report i really need to get all these account removed from my bureu. 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

This is week 2 and I am still asking XXXX ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the XXXX Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.
Consumer complaint received 2023-11-03
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)

Experian has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit