davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reached out to XXXX several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.
Consumer complaint received 2022-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

My Federal Student Loan ( FFELP ) was transferred to NELNET on or about XX/XX/XXXX while in default and after the COVID pause on federal loan payments had taken effect. NELNET subsequently " reclassified '' my loan as " in repayment '' despite the fact that I had made no payment since XXXX and had never completed a payment schedule that would rescue my loan from default. 
In XXXX of XXXX, NELNET mailed me a debt collection letter demanding I pay {$150.00} in monthly payments. This was the first time I had heard of NELNET. I subsequently learned that the Department of Education had before de-listed them from approved student loan servicers because of their illegal activity ( only to be re-instated later ) and that NELET was the Defendant in an ongoing Class Action Complaint in Nebraska Federal Court. 
Despite the illegal mis-classification of my loan as non-federal and in non-default status, I worked with them to repay what I could. My belief is that NELNET intentionally accepted defaulted loans and illegally reclassified those loans as " private '' or " in repayment '' so as to avoid the federally mandated COVID pause in repayment and deny Income Driven Repayment Plans ( " IDR '' ) capriciously and illegally. 
In fact, NELNET approved a {$0.00} per month IDR after two application from me on XX/XX/XXXX ( see attached ). After approving ( rightly, as I am self-employed, with income that is inconsistent, and does come within {$15000.00} of the average American 's salary ) my IDR, they denied it again. I submitted two more IDR applications that were entirely complete with attached income stubs/statements for both my wife and myself. in the middle of there applications, NELNET approved a one year forbearance, which they subsequently and unilaterally shortened without explanation ( see attached ). I submitted three ( 3 ) email IDR applications and all copies of income were legible ( attached ) and subsequent to their prior approval of same. 
NELNET seems to have no rhyme nor reason to their actions, as I would get letters regularly that contradicted themselves and stated things that were not true, such as " we need a legible copy of your pay stubs '' when they had been printed off the internet and attached to emails I sent them. My wife signed a statement disclosing her income, of which I have a copy, and NELNET claimed she didn't. Random and arbitrary fraud, is when NELNET is engaged in. Placing me in forbearance for a year, then reducing it to a few months was not only fraudulent, but illegally increased my interest, when I should have, and was approved for, an IDR. 
The entire experience with NELNET is why student loan borrowers are so upset, and since most loans are federal, they will ultimately blame the current administration for NELNET 's failings, which is sad. NELNET is acting opposite of the Biden Administration wishes, and should not be allowed to service loans.
Consumer complaint received 2021-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac loan servicing company is committing fraud. I have completed all three of my home loan modification process trial payments. PennyMac Loan Servicing Company ( Bank ), stopped my FHA loan modification process, placed my payment on the back end of my home loan and sent a notice stating partial payment. PennyMac Loan Servicing Company is pretending like I was not in a modification trial period, pretending like I did not submit any documents to them and proceeding with my foreclosure. PennyMac is taking advantage of the Covid-19 crisis and demands and housing market crisis. They are lying to the courts too speed up foreclosure, stating I did not respond for mediation.
Consumer complaint received 2021-09-11
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-11
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. (OH)

I contacted the credit reporting agency numerous of times to delete this inaccurate information that is showing a open account for a account that is supposed to be listed as closed. Ive wrote more than one letter stating this and have no success with this company in reporting my information accurately.
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the XXXX XXXX. 
My complaint is about XXXX 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I initiated a consumer credit transaction with capital one on XX/XX/XXXX.I disputed the validity of the debt in the amount of {$XXXX} on XX/XX/2021 and they still have not provided me with the proper validation. Despite my request for validation, XXXX, XXXX, and XXXX have furnished negative reports on my consumer credit report. Capital One is sharing my information without my consent. no consent is identity theft.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

This is my 2nd time contacting you guys about the inaccurate reporting of my credit account first by XXXX  XXXX XXXX  and now XXXX XXXX XXXX has reported to the Credit bureaus and all have fixed the info except transuinion I have filed several disputes initially because XXXX  XXXX removed and closed 2 of my credit card accounts when they had XXXX balances and where still very much open and being used this lowered my score substantially and was almost impossible to get them to fix it. They eventually fixed one account and reported it and the credit bureaus made the change to my report which raised my score minutely. But they would not correct the second account which had a credit line and greatly affected my score for almost a year I have been paying off the balance each month trying to build my credit to purchase a home and while im doing all it is not reflecting on my score. I spoke to XXXX XXXX and they state now they got their act together and everything has been reported which seems correct as XXXX  has updated my report to reflect both accounts as of 3 weeks ago, but transuinion has not and will not. I lost out on 2 home purchases and probably won't have a score that will allow me to secure a loan for quit some time because of this even though I have worked very hard paying off my balances and doing so early every month It has not appropriately benefited like it should have. I have lost almost a years worth of great credit payment history and can't purchase a home can't rent a home couldn't buy a car when mine broke down because I have a credit score that doesn't accurately reflect my credit history. And I have done everything possible to get this addressed and here I am. I'm so beyond frustrated and it's becoming more difficult to be respectful when trying to reason with transuinion and XXXX XXXX. They either just don't care.. Or they are plain incompetent. XXXX XXXX should not have closed the accounts to begin with and I guarantee if I wasn't making my payments they wouldn't hesitate to take steps and act on collecting what they are owed! But yet they have no problems and pay no regard to damaging a customers credit score and essentially causing homelessness when they make sure they are paid in full and before the date they are due every month. What a shoddy way to do business.
Consumer complaint received 2021-09-11
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. (CA)

a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated
Consumer complaint received 2021-09-11
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. (TN)

I submitted a dispute on Sunday, XX/XX/2021 to TransUnion regarding an item on my credit report. I informed TransUnion the debt had been settled and paid. I received an e-mail from TransUnion via XXXX XXXX that the debt was accurate and had not been paid. I have proof this debt has been paid and this information should be reflected on my credit report.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

Hi. 

I checked my chase account on XX/XX/XXXX and saw fraudulent charges. I promptly called Chase and told them they were not authorized nor from me, as its fraud. The customer service representative disputed said charges but made me pay a stop payment fee which I thought nothing of at the time. They also scheduled me an appointment the next day to close my current checking account and open a new one, which was fine. At XXXX I entered my local Chase branch, where the banker opening this for me was very confused. He said I should not be charged a stop payment fee as it is fraud, also we both we extremely upset to see that chase deemed my fraud charges as authorized despite them not clearly not being. We both contacted the claims team at his desk and said it is fraud, and was not authorized. They agreed they would credit my account due to this. Later that night I noticed an inquiry via XXXX XXXX which was not authorized by me to take a loan and immediately froze my credit and filed a police report to my local department regarding the website my money was taken from. Today, XX/XX/XXXX I have now received a secure message from chase stating that upon investigation the charges were authorized from me. However thats impossible. I gained access to the account on the website that took my money and the address is not mine, the number is not mine and neither was the email. Nothing besides my name was me. Chase is refusing my money back.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reported discrepancies to several accounts on my credit reports with each reporting agency Experian, XXXX and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a retired XXXX senior citizen and resident of XXXX XXXX, California. 

I refinanced my house with Bank of America ( BofA ) in XXXX and closed the new loan on XX/XX/XXXX. At the initial purchase of the house in XXXX, I qualified for the Mortgage Credit Certificate from the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ). 

I have qualified for reissuing of the Certificate upon refinancing because the application and fee payment have been submitted within 365 days of closing of the loan for past refinances. However, after the last refinancing, the BofA Loan Officer, XXXX XXXX XXXX, never submitted the application despite the guideline specifying to do so within one year of closing and several requests. 

XXXX advised me to send the fee of {$800.00} directly to the XXXX in XX/XX/XXXX, and I complied. However, its her responsibility to submit the application and as of today she isnt explaining why she didnt do it within the timeframe. Her later responses are vague and only explaining whats the purpose of the certificate. Explanations that I dont need after 11 years of claiming the credit on my returns. Losing the benefits of the certificate and the {$800.00} fee payment would be devastating to my mental health and current financial situation. 

I feel this is negligence and racism for being XXXX and a senior citizen. 

Please assist me with obtaining my potentially lost Reissued Mortgage Credit Certificate ( RMCC ).

Thank you.
Consumer complaint received 2022-01-27
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. (VA)

Equifax is knowingly and willing report information derived from a medical or health care provider which is violation of [ 15 USC 16819a ( 3 ) ( a ) ] on EQUIFAX company website under " Classification of creditor '' it says " medical or health care provider ''. This organization is aware of the derived medical information. Also this debt was deleted in XX/XX/2021 and reinserted XX/XX/XXXX, XXXX today is XX/XX/XXXX I haven't received any written notification nor any new verification of debt. This is violation of [ 15 USC 1681 ( B ) ( i ) ( ii ) ]
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Merchants Acquisition Group LLC (CA)

I received a letter of a lien on a property that my name is on I have never received anything prior and company refused to verify debt I wasn't even aware i was sued because is not even on my credit report I want the lien removed immediately and for company to send a letter of it being removed from county clerk of records
Consumer complaint received 2021-11-27
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. (MN)

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX BankXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX