davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My previously serviced, XXXX, XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my Great Lakes dept of Education student loan balance on XX/XX/2009. 

I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated. 

XXXX was bought and sold multiple times, to XXXX, and the last was XXXX sold from one financial institution to another, that information has cluttered my credit report. because it was purchased many times over. 

However, it is duplicate information meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 

During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX and XXXX   mishandled the reporting of the consolidated loan, to a separate loan and line item. 

This is producing duplicate information meaning the same loan that is consolidated is showing as a separate loan, which is unacceptable, it needs to be removed because it is already included in the Great Lakes dept of education balance.
Consumer complaint received 2022-12-07
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Capital One website is extremely suspect, and misleading, making it virtually impossible to find any information about how XXXX if at all XXXX Capital One is helping customers who can't pay their credit card bills at this time due to COVID-19-related issues. This is particularly alarming and frustrating in a time of a global/nation-wide health crisis. 

Their website is a mess of links that keep you going in circles, purposely, it seems. In order to even find their COVID-19 " section '', you need to navigate endlessly through their site, and you'll find it buried in their " About '' section, not in the main page as a link, the way other financial institutions have done it. They have links to the CARES Act, and links to the IRS, but barely anything about how THEY, Capital One the private entity, are helping customers.
Consumer complaint received 2020-05-21
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. (LA)

consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.
Consumer complaint received 2022-05-18
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)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Neighborhood Autos, LLC (TX)

A repossession has been placed on my reports for a XXXX XXXX when the vehicle was in fact a voluntary return due to service issues and a XXXX XXXX risk that the company was unable to address. I requested the forms and voluntarily returned the XXXX With another vehicle ( XXXX XXXX ) at the same time because of unprofessional encounters with the management and service department and no remedy to the trade I was once offered and approved for.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have a revolving credit account with XXXX XXXX XXXX of XXXX, AZ opened in XXXX. In XXXX, XXXX, I paid off the balance I owed, almost {$20000.00}. Equifax has continued to inaccurately report I owe a balance of {$19000.00} as of XX/XX/XXXX. The other two credit bureaus, XXXX and XXXX, both correctly report a XXXX  balance on this account with XXXX XXXX XXXX. I have disputed the inaccurate balance reporting with Equifax twice, once online and once over the phone. Initial dispute # XXXX filed XX/XX/XXXX and subsequent dispute # XXXX filed XX/XX/XXXX. Twice the results of these two disputes continue to inaccurately report I owe the same balance, {$19000.00}. On XX/XX/XXXX I spoke with customer service representative XXXX at XXXX XXXX XXXX. I inquired about the error in my balance owing reporting by Equifax. She could only confirm that my balance was XXXX  and that XXXX XXXX XXXX reports to all three credit bureaus each month. XXXX suggested I dispute the error with Equifax. 
I then spoke with a customer service representative XXXX from Equifax on XX/XX/XXXX to inquire as to why the first dispute I submitted online did not correct the inaccurate balance reporting problem on my XXXX XXXX XXXX account. She suggested I dispute the inaccurate reporting of the amount owed again. I did so with her assistance over the phone. The results of the second dispute continue to show the same inaccurate balance owed, {$19000.00}. She did advise me that I could add a consumer note to this account disputing the amount owed. While all well and good, this does not change the calculated Equifax credit score that includes the inaccurate report of a balance due at XXXX XXXX XXXX of {$19000.00}. I was told there was no other method of correcting an error other than to continue to dispute it and include a consumer note on that account. This is fraudulent and abusive behavior committed by Equifax. I ask that this be investigated and corrected immediately. Willfully providing inaccurate account balance information to my creditors and potential creditors after being told twice of the inaccurate reporting is both harmful to me and negligent.
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I XXXX XXXX has been notified that Right Path Servicing ( RPS ) is a servicer who has purchase my note. I have never done business with Right Path Servicing nor contracted with them. Therefore, I insisted that they shall provide me with admissible proof that I owe the alleged debt in order to settle this matter. They have refused to provide me with the liability that created the debt in the form of the true original contract signed with both parties wet-ink signature, receipt of the bank loan check, an sworn affidavit of claim by the injured party or competent witness, or book keeping entries or accounting showing that RPS and the XXXX suffered a loss.

RPS has provided me with photocopies of the mortgage note without the promissory note which gives me reason to believe the mortgage was resold and bifurcated. I demand that RPS provides me with the endorse note as it is an important component of the original contract and I was told by the company that the note was being retained. I have also request the name of the individual who is the duly authorized representative for the company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing Act and the actions he/she has taken in relation to this account. RPS has disregarded and failed to provide the aforementioned documents to validate their claims. I then begin to receive threatening letters to foreclose on my real property in efforts to continue to securitize, extort and deceive me as a federally protected consumer.

RPS has not provided proof of claim to have the legal right and lawful authority to attempt to enforce collection of the alleged liability. 
The failure to provide proof of claim by Right Path Servicing has created permanent and irrevocable Estoppel by Acquiescence, forevermore barring Right Path Serving or other brand names from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX XXXX. As the authorized representative for XXXX XXXX XXXX, I have reason to believe the alleged debt did not exist in the first place or has already been paid in full.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (MO)

I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit.

What is the definition of unsecured credit limit?

Federal Law does not define unsecured credit limit.

When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it.

With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. 

I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan.

Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction.

NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year.

Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}.
Consumer complaint received 2019-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Dear Team, I have received lot of pre approved/ pre selected offers from below companies in Mail over Last 2 years. but when i applied to them i was denied and it caused me accumulating Inquiries on my Credit report. 

- OneMain Financial XXXXXXXX  XXXX XXXX XXXX- - XXXX XXXX
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

On or about XX/XX/2022 I made 2 payments totallying {$1800.00} after we worked out a payment plan. The check was returned, so I used my debit card to pay it on XX/XX/2022. Pennymac retried the check and the debit came through at the same time, eventhough it was just about {$2000.00} in the account. This brought my account to - {$2000.00}. My bank sent a request to get one of the {$1800.00} back, which I was told by the company initially they dont do unless it is their fault. One month later I recieved a letter saying I am 4 months behind. I called Pennymac, by the way, this is the mortgage company. When I contacted the company they stated " they reversed the payment in XXXX. I went to the bank because we never recieved the funds. Pennymac said they would investigate were the funds were, they never called my back so, a few weeks later I called them back and was told, " you have to get the money from the bank ''. Again, I went to the bank to inquire about the possibility they somehow misplaced the funds. The bank assured me they did not recieve any funds. Now, they initially said they returned the money in XXXX, which was what was stated on my online account until recently, now it says it was returned the same day I made the payment, which could not be true. Someone at Pennymac had to change the date. All I want is the money to be applied for payments that I am behind, don't understand why the potential cover up. I will include both XXXX and XXXX bank statement, which was requested by Pennymac as well, the negative balance we had to overcome on XX/XX/2022, the bank 's request for the funds and their document that now states it was reversed the same day I made the payment. I highlighted the amounts to make it easy to find.
Consumer complaint received 2022-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio recovery calls me every day least three times a day from different numbers I do owe them about {$2000.00}! I am currently not able to pay it because Im not allowed to work due to health reasons and I have told them this but they still call and I send the paperwork that they asked me out for back and they sent me the same paperwork again and still call
Consumer complaint received 2022-05-18
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. (TX)

I received my credit report earlier this year via ( XXXX and Experian ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to Experian, XXXX, and XXXX to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and Experian, XXXX, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just Experian ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses.

As Well as my DOB just being reflected as a year and not a month and date. ( just Experian ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I tried to apply a temporary unfreeze of my credit at my.equifax.com following Equifax 's web site links. I had previously created an account with Equifax. When I tried to log in, the web site informed my I needed to contact Equifax at XXXX. When I called I was informed that I could not use the online system with a vague " based on the information that you have provided during the account creation process ''. I later received an email from Equifax stating I can only freeze and unfreeze my account via mailing a form or calling them. The following is the bulk of the email " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone '' I feel I am being discriminated against for an error I unknowingly made that I can not correct. Why can I call, wait 45 minutes for someone to add/remove freezes on my account and not do the same online. 
What really concerns me is, with Equifax 's previous lax security measures, that there are errors in my credit file held by Equifax such that Equifax has the incorrect info preventing me from accessing the data online when I present the correct info.
Consumer complaint received 2020-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I mailed a letter to TransUnion regarding the accounts listed below XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account On XX/XX/2020, I mailed a letter to TransUnion removing the incorrect personal information on my credit report. This information included old addresses, phone numbers and place of employment. I have not received a response regarding this request to this date and the information still remains. 

On XX/XX/2020 I received a response from TransUnion removing 2 of the accounts above ( XXXX and XXXX XXXX XXXX XXXX ). The other accounts listed on the letter from TransUnion indicated the accounts were accurate and verified. 

I responded to TransUnion on XX/XX/2020, on the accounts they listed as verified and accurate. In my correspondence, I asked TransUnion to provide me copies of original documentation depicting my signature. Furthermore, in my mailed letter, I asked TransUnion to verify the account listed below. 
XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I have not received any correspondence from TransUnion by mail. I am aware that we are in an pandemic and extra days have been given to the bureaus additional time to respond. However, they have exceeded 45 days and more.
Consumer complaint received 2020-05-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.
Consumer complaint received 2020-05-17
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 XXXX  DAY DEMAND XX/XX/2020
Consumer complaint received 2022-10-21
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. (FL)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.