davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (CA)

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. 
Account name : Account XXXX XXXX Account number XXXX Account XXXX XXXX  Account number XXXX Account XXXX  XXXX Account number XXXX Account XXXX  Account number XXXX Account XXXX XXXX XXXX Account number XXXX Account XXXX Account number XXXX Account XXXX XXXX  Account number XXXX Account XXXX Account number XXXX Account XXXX Account number XXXX Account XXXXXXXX XXXX XXXX Account number 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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (SC)

I recently applied for a repayment plan for my Direct Loans serviced by Nelnet. On the application, which must be done through the Federal Student Aid website, I was given the option to opt for the lowest payment plan regardless of applying for an IDR ( income driven repayment plan ). I live by myself, pay all of my bills on my own, and have another XXXX in student loans with another loan servicer. In addition, I pay XXXX USD to the IRS. I asked Nelnet to look at another repayment plan or lower my monthly payment which begins next XXXX, but they have failed to respond back to me.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute lettet ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Balance : {$4500.00}, XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This debt is over 10 years old. When I moved down south in 2010 I turned off the services at XXXX XXXX XXXX. They sent me a bill saying the service was used at other addresses in CT and it wasn't me.
Consumer complaint received 2022-11-07
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. (NC)

This is not a duplicate. 

I am complaining regarding violations of law by XXXX. 

XXXX reports to my credit file, account number XXXX, and is the furnisher. 

XXXX, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

XXXX, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, XXXX card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Consumer complaint received 2022-11-07
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. (NE)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-09
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: LEXISNEXIS (CO)

I received a letter from LexisNexis Risk Solutions, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX. She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that XXXX made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked XXXX and XXXX According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I XXXX  the company again and learned that the XXXX  gives them a D-. I called the XXXX and they advised me what to do to address identity theft and fraud.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OR)

I disputed a claim from XXXX for the amount of {$42.00} at chase bank. The company only sent 1 of the 2 items in my order and they sent me the wrong size/not to spec item that did not fit my knife. The item is a ball bearing and I am missing one set which I paid for out of the 2 I ordered. I talked to Chase claims in around XX/XX/2022 and opened a case for the incomplete order and wrong/not to spec part. The part they sent me is slightly larger in diameter. I sent in photos and the invoice for my order to prove the item is incorrect and the invoice to show I ordered 2 items. Chase denied my claim, they did not look at the evidence I sent and refused to reopen my claim. They state the seller showed some kind of proof, but I showed them exactly through the picture of the item, that it was completely the wrong size and showed the purchase amount for a set of 2 of the bearings through the invoice. I tried to work with the seller, all I wanted was a refund or the correct item sent to me but they denied me. I also got blocked by the seller and can not access their website to pull up information on the bearing they sent. They probably know that their part does not fit or they sent me the wrong part and do not want to refund or replace the item. Chase did not provide any evidence of the seller being correct, and would not help me at all with my claim. The seller pretty much stole {$42.00} from me and chase let that go. I am trying to get my money back, and shine light to Chase claims departments incompetence and unprofessionalism. They had no right to deny my claim, they did not even look at my evidence I sent in it seems. I am fully in my right to get my money back as the seller denied me refund just after a couple days of receiving the item. It was in their return policy to be able to return the item in an appropriate time, but they flat out denied me.
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/2022 I submitted a request over the telephone to get a refund on my payments made during Covid. I was told the total amount I would get and it would take six weeks for a refund. 

On XX/XX/2022 I called backend and they said it was still in processing and it would take 10-12 weeks from the request. 

On XX/XX/2022 I called back and they said it hasnt been processed and that I need to continue to wait and that it will be another 8 weeks from the the time it was approved. They can not say why it hasnt been process or when it would be processed even though I requested back on XX/XX/XXXX. 

Doing research it appears there have been plenty of people to get their refund who have applied on or after XX/XX/XXXX through the same servicer. 

This servicer is acting in a deceptive manner. We have given them ample time to resolve this issue.
Consumer complaint received 2024-10-05
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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
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 XXXX
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Originally called Nelnet on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during XXXX on XX/XX/2022. 

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then.

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted. 

Just over a month from my initial complaint filed with cfpb and unfortunately nothing has changed. 

Called XX/XX/2022 and again was told all of my paperwork is accurate, but they dont know why it is taking so long. 

Called on XX/XX/2022 and the customer service agent was able to confirm again that all my paperwork was filled, but my application has not been processed any further. At this time, she stated that my loan would go from the initial 4-6 weeks to 12-15 weeks.

Feel as if I am just receiving the run around from Nelnet, always receiving varying answers with each separate call.
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

Loan was sold and LoanCare became servicer in XX/XX/XXXX. I had completed a loan modification with XXXX mortgage prior to transfer of loan. Initially LoanCare claimed not to have received my modification papers. After LoanCare claimed they were unable to obtain information from XXXX I bypassed LoanCare and got copies of executed docs from XXXX myself and sent to LoanCare. Next LoanCare sent us new papers to sign that increased our rate. After much time I finally was able to show we had already completed the process with XXXX and our rate was already locked in. LoanCare has still NOT updated our records and fixed our account after 11 months. We are receiving statements saying we are over {$12000.00} past due and no payments have been received since XXXX. We have made payments for every month this year XXXX. Continuous calling, talking to various supervisors etc. has not affected an update and correction of our account. Calls are never returned even after being told we would be contacted. Its been 11 months with an enormous about of time spent to no avail.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

A credit card account was opened in XX/XX/year> leaving a charged off account on my credit file for the amount of {$190.00} I have tried to contact the company, and they are non-compliant about removing the file from my credit.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Report Act ( FCRA ) this creditor has violated my rights. under 15USC1681 sec 602 states I have the right to privacy.15USC1681 sec 604A sect 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666 ( b ) ( A ) A creditor may not treat a payment on a credit card account under an open-end consumer credit. 15USC 1681A 2 ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX ( XX/XX/year> ) 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 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name 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.