davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

On XX/XX/2022, I reached out to my student loan provider, Great Lakes, to request a student loan refund. The first representative to assist me said I qualified for a refund amount of {$17000.00} and would process the request as soon as possible. She explained that I would have to wait 8-10 weeks before seeing the refund appear in my bank account. 

After 10 weeks, I received no refund so I called again on XX/XX/2022 and requested a second refund. The second representative I spoke to confirmed that I still qualified for a refund amount of {$17000.00}. She told me that they had a new streamlined process and recommended I request my refund AGAIN and hopefully get it sooner that way. They told me it should be a 60-75 day wait, that I should check my FSA account for updates, and it should be deposited to my bank in a few weeks. 

On XX/XX/2022, I called again since I received only some of the promised refund amount through separate checks in the mail rather than through direct deposit as was initially told to me. Frustrated and concerned, I reached out if this was normal and when I should expect to receive the rest of the refund. The third representative I got ahold of told me this is common and he is unable to provide a timeline, but that I should continue to call Great Lakes. 

It is now XX/XX/2022 and Great Lakes and the US Treasury still owes me a refund amount of {$14000.00}. I would greatly appreciate if the CFPB can assist me in holding these agencies accountable so that I can get my refund amount. I understand that a refund does not mean forgiveness, but it would help if I could get this refund since these entities promised a specific amount and never delivered. 

I am especially annoyed with the customer service since I was told different things and it felt like the representatives sole role was to create confusion and not make things convenient for clients like me. Also, they made my loan amount larger on my student loan account making it difficult to tell how much I actually owe. I understand they have to reopen the loan to refund me, but the loan amount does not even reflect the {$17000.00} they promised. 

Attached below are a screenshot of my portal with Great Lakes and also the checks I have received thus far from the US Treasury totaling {$2700.00}.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, 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. 

SANTANDER CONSUMER USA : # XXXX, has violated my rights. 

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 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (NV)

Recently discovered that Zions Management Services Corp reports on my credit that i had a 30 day, 60 day, in XXXX, and recentently a bankruptcy filled in XXXX of this XXXX  year. I filled for bankruptcy on XXXX, XXXX, XXXX, and was confirmed on XX/XX/XXXX. In XXXX of XXXX they were given a cease and desist by the law firm XXXX XXXX XXXX in XXXX XXXX due to filing for XXXX XXXXXXXX Bankruptcy. Upon recieving a court order the company then continued to report my activity pending the bankruptcy. I then contested this with XXXX Credit Agency, and Zions confirmed late payments. They then inputed that that i filed for bankruptcy in XXXX of XXXX. 

Being included in my bankruptcy requites by law that they can no longer file with any credit agency on this existing account. I believe that this is a retalitory action against me for filing a dispute. This has greatly hurt my credit score and is an illegal activity. To file a bankruptcy in XX/XX/XXXX, that occured on XX/XX/XXXX, on a charged off account from over 5 years ago. 

Attempted to correct problem with company, but could find no current information to call, as all listed numbers associated with this company state they are no longer in service.
Consumer complaint received 2022-12-17
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. (PA)

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. 


XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights 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 2022-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (AZ)

I keep getting calls and text messages from Central Portfolio Control Inc . I have asked them to stop calling me for a XXXX XXXX. However, they do not. It will go a couple of weeks then they will start again. I want them to stop sending me unauthorized text messages and phone calls. I am not XXXX XXXX. The guy wasn't a XXXX citizen and skipped town after he did a hit-and-run in XXXX. I have owned this number since XXXX and its constant XXXX calling me for this guy.
Consumer complaint received 2022-09-15
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. (TN)

How was XXXX, Experian, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Subject : Persistent Inclusion of Inaccurate Information ( XXXX XXXX ) on my Credit Report. 




Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a recurring issue with my credit report, specifically with Equifax, which has not been adequately addressed despite multiple attempts on my part. 

I have consistently disputed the inclusion of the name " XXXX XXXX '' on my credit report, as it does not belong to me. Despite my previous disputes and the subsequent removal of this information, the same issue persists at the end of each month. I have documented proof of my past disputes, and I am concerned about the impact this situation is having on my credit score. 

Moreover, it appears that I can only access my credit report on Equifax when initiating a dispute. I am unable to view my report through regular login procedures, raising additional concerns about the transparency and accuracy of the information being reported. 

I strongly believe that this individual may have a connection with Equifax, as the issue repeats consistently. I am at a loss as to how this erroneous information is repeatedly reinserted into my credit file, despite my previous disputes and the removal of the inaccurate data. 

I have previously provided Equifax with copies of my Social Security information and ID, as requested during my disputes. However, this has not prevented the reoccurrence of this problem. It is evident that there is a systemic issue within Equifax 's processes that needs urgent attention. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and resolving this matter promptly. I believe that an external intervention may be necessary to rectify this persistent issue with Equifax and to safeguard the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your assistance in protecting consumers from such inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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.

I also ask for a re-investigation and according to the term investigation consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers credit record obtained directly from a creditor of the the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit agency has violated my rights to a proper investigation.
Consumer complaint received 2022-12-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (HI)

Hello, I had a debt that originated with XXXX and it was paid, but I am receiving notices from other companies that I still owe on this debt. There has now been a collection from XXXX of these companies ( jeffersons capital ) in the amount of {$8500.00} and this is incorrect. 
I have tried to dispute this but jeffersons keep assigning the account to an attorney. 
I can no longer verify this debt due to XXXX being out of business. 
I believe the information is falsified and inaccurate. 
I would like the collection on my account deleted and removed from my credit file. 

Thanks in advance! 

XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I demand this company CREDIT ACCEPTANCE CORPORATION to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )
Consumer complaint received 2022-12-06
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: SANTANDER HOLDINGS USA, INC. (FL)

Dear Santander Consumer USA XXXX Inc., I have received your letter as dated XX/XX/2022, see attachments. In addition, I am confused by letter. Can you please produce any documentation when have I ever mention anything about bankruptcy?
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change XXXX, Equifax and XXXX are reporting on my Grain account incorrectly I again have notified the credit bureaus and the company with no update to the file Equifax, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX  XXXX has violated my rights on my XXXX report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-17
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. (TN)

I have requested that I be sent verification via signed documents showing the validity of the XXXX debts listed on my report! Not only have I never received documentation Ive not received a written letter of outcome of investigation by mail as requested for the outcome of each dispute. I have requested these documents or the removal XXXX different occasions yet the documents or completion of dispute letters in writing have been provided. 

Under the fair credit act I have a right to request and receive validation and response within XXXX days it has now been XXXX months I believe my civil liberties have been violated, and Im prepared to go to the attorney general to seek a remedy.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

In XXXX I took my daughter to XXXX 's and at check out was offered a store card. I was approved and the balance of was charged to my account. 2 weeks later, I had not received anything from them, no card, no statement, so I called, and they said they had the correct address and I should receive the card and statement within a few days. 2 weeks later, still nothing. I call back and I tell the girl I have to pay the balance because I don't want it hitting my credit and she is able to pull up the account with my ss # and let me make a payment. That was in XX/XX/XXXX. Today I get a phone call saying I owe {$65.00} dollars. I call and they tell me it's late fees because when I paid the bill I paid {$0.00} cents less than what I owned. I still haven't received a statement or a card from them, so I asked them to close the account and remove the fees because why would I not pay XXXX cents knowing it would cost me so much more and a bad hit on my credit. I have many credit cards. I always pay them on time. I even have several other accounts with comenity bank which is who services XXXX XXXX XXXXXXXX XXXX store cards. They can look at my history and easily see that this is not my fault.
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, OH, XXXX ] XX/XX/year> Credit Acceptance Corp XXXX XXXX XXXX XXXX, MI, XXXX Subject : Request for Verification and Issuance of IRS Form 1099-C Dear Credit Acceptance Corp , I am writing to dispute the reporting of a debt related to account number XXXX on my credit report. I am requesting that you verify the status of this debt and provide me with a copy of IRS Form XXXX if the debt has been canceled, forgiven, or XXXX. 

Under federal law, if a creditor has canceled or XXXX a debt of {$600.00} or more, they are required to issue a 1099-C form and report the forgiven amount to the IRS. If this debt has been canceled, please provide me with a copy of the 1099-C form as part of your verification process.

If the debt has not been canceled, please provide : Documentation proving the validity of the debt, including original account details, statements, and payment history. 
Evidence that the debt has not been XXXX or forgiven. 
This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which allow me to dispute the accuracy and completeness of information being reported about me.

If you are unable to provide a valid 1099-C form or sufficient documentation verifying the debt, I request that you immediately update the status of the account on my credit report and notify any credit reporting agencies to delete this information. 

Please respond to this request in writing within 30 days, as required by law. Additionally, if you are reporting this debt inaccurately, I may consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. You may contact me directly at [ your phone number ] or [ your email address ] if additional information is needed to complete this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-17
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. (NV)

XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXXXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (HI)

Somehow sent herself {$2000.00} via chase XXXX on XX/XX/2022. 
Reported it to chase and was told that it was me who sent it and they couldnt help me any further. 
After further investigation on my own, I found out this person is from Florida. Answered my call and claimed that she never received funds- got scared and hung up. 
After mentioning this to chase they continued to tell me they could not help me. ( I talked to XXXX different associates at chase ) The scammer : XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-12-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MA)

All 3 credit bureaus are reporting monthly three private loans with Navient. I have no knowledge of these loans. They are reporting loans were purchased from " XXXX XXXX  XXXX ''. I reached out to XXXX XXXX  XXXX many times and they don't have any accounts associated to my name, social security number, or d/o/b. I have requested countless times from Navient to provide me the original master promissory note from XXXX XXXX XXXX  and they have failed to produce the documentation. Navient Account XXXX was reinvestigated by XXXX and determined to be fraud and was deleted from my credit report and Navient is still requesting payment from me. XXXX XXXX XXXX can only give me a letter if i have previously applied for a loan since i never applied for any loans they cant provide me a letter. The three credit bureaus over the years have not conducted accurate investigations or provided me with documentation of the proof Navient has provided these loans are accurate. My university is suppose to approve loans distribution my university or Navient don't have any documentation on who approved these loans. By law Navient has to provide me the original promissory note from XXXX XXXX XXXX  with a wet signature that i signed. I have yet to receive this information. All parties have done a poor job assisting me in finding a resolution. I filed a police report with the XXXX police i will attach and i reported this to the identitytheft.gov