davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

In XX/XX/XXXX Nelnet advised me to consolidate a federal loan which I recieved to obtain my XXXXXXXX XXXX with 2 consolidated parent plus loans which I got in my divorce. Nelnet advised me to consolidate and assured me it would not affect the Public Loan Forgiveness plan I had been on since XX/XX/XXXX. I made numerous calls to make sure I was given the correct information and each Nelnet representative said the exact same thing - that it would not without a doubt change my PLF plan. Now at XXXX - XXXX XXXXXXXX XXXX says that I only show 4 qualifying payments out of 120 payments due to Nelnet or Dept of Ed 's failure to report my payments and the misinformation I was given by them that consolidating Parent Plus Loans with mu Federal Loan would make my Public Loan Forgiveness payments start over from XX/XX/XXXX. I am devastated because I will be retiring in 5 years and I would have to go on 20 year plan instead of 10 year plan. If I had been advised correctly I would never have consolidated in XX/XX/XXXX. Since XX/XX/XXXX I have made 70 out of 120 payments. However XXXX only shows 4. I am a single parent working on a XXXX XXXX salary with XXXX child in school and helping my other XXXX age student. My low income payments went from 88 because I had XXXX children in XX/XX/XXXX on my tax returns -- since XXXX of my children are grown - and share tax years with my ex husband - I can only show one on tax returns which makes my payments XXXX from XXXX. Now I am struggling making the higher payment each month. I sincerely hope you can help me reslove this by getting XXXX to count the 72 years and lower my monthly paynents. Thank you.
Consumer complaint received 2018-05-24
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: AES/PHEAA (AL)

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
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. (FL)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me a response and are still reporting inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc. (TX)

this company has violated my private data its been breach and sold to the XXXX, XXXX, and XXXX i ask them for the original contract has yet to produce and also i never lived at that address so my signature was fradulently used Account number XXXX it started XX/XX/year> is the only information i have because i found the info on my consumer report
Consumer complaint received 2018-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I received several messages from Navient claiming I had not paid my loan fees despite monthly payments of XXXX dollars from XX/XX/XXXX-present. Despite multiple calls, I received only a grace period where payments were halted until XX/XX/XXXX. I sent a letter on XX/XX/XXXX providing proof of payment to Sallie Mae that was not reflected in my account and requesting an investigation. On XX/XX/XXXX I called again and was told that no action had been taken because I did not call to instruct them to take action!! Despite my very clear written request that my account be investigated and payments reconciled. I have asked for the matter to be forward to the processing team asap. I can not believe that 15,000 dollars + of my payments have not been credited to my account. I request the  immediate clearance of my account because the payments I made already covered the principal PLUS interest on the loans. I request that Navient close my account, stop harassing me for payment already received, and compensate me for the extreme stress this has caused by waiving interest fees for the past year during which I have been contacted multiple times and threatened with collections despite paying regularly, on time, and sufficiently.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Purchased item on XXXX using PayPal credit in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with PayPal as " they would help ''. Only option at PayPal was to file a claim. Claim erroneously denied with PayPal stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get PayPal to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from PayPal so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. PayPal never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse PayPal for their outlay to the merchant, as soon as I receive the item as advertised.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
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. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-10-04
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. (MS)

Filed several complaints before for the unauthorized and misue of private information without resolution. 
Under 15 U.S.C. 1681 ( 4 ) ( Consumers Right to Privacy ) and 15 U.S.C. 1681 ( B ) ( Permissible Purpose of Consumer Reports ), I have the right to dispute and challenge the use of my personal information, particularly when no consent has been given for such use. The disclosure of personal, non-public information to nonaffiliated third-party agencies ( such as credit reporting agencies like XXXX, XXXX, and Experian ) without giving me the opportunity to opt-out, as described under 15 U.S.C. 16802 ( B ), violates my rights.

Using my personal information without my express written consent which can also be considered Identity Theft under 18 U.S.C. 1028 ( A ) ( Aggravated Identity Theft ).
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-04
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ALL ITEMS LISTED BELOW ARE : inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed NAME : XXXX XXXX ADDRESS XXXX Saddle XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXDELETE ADDRESSES REPORTED <<<DELETE ALL FRAUD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts listed below please investigate and delete! 

Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 24 months Highest Balance Last payment XXXX XXXX, XXXX {$520.00} { Account is not mine please remove FTC police report issued to original creditor Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 120 months Highest Balance Last payment Sep. XXXX, XXXX {$2500.00} { Account is not mine please remove FTC police report issued to original creditor XXXX Reported XXXX XXXX XXXX, XXXX { Account is not mine please remove FTC police report issued to original creditor
Consumer complaint received 2024-10-04
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filling FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX {$400.00} on XXXX XXXX BAD NAMES : XXXX XXXX XXXX XXXX XXXX XXXX BAD ADSRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (IA)

I had 5 Parent Plus non-subsidized loans ranging from XX/XX/XXXX thru XX/XX/XXXX. In preparation for repayment after Forbearance ending, I applied to consolidate to make a single full payment. The process to get approved for consolidation took longer than expected, so I ended up making the individual payments to EdFinancial and received the full payoff confirmation. Payment was made for {$42000.00} on XX/XX/XXXX. Now, EdFinancial is saying I have a new consolidation loan for {$9700.00}, ironically disbursed on the same day of my payment for the total amount owed. I called them and they were not helpful. Referring me to StudentAid.Gov. They will not say where the {$9.00} was sent because they say they don't have any visibility.

I called StudentAid.Gov and the agent worked with me to understand the situation. We believe I paid off the loan before the consolidation was fully processed and this is in error. 

I submitted a feedback case to Federal Student Aid on XX/XX/XXXX and it is still in process. Feedback Case # XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputesas previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do not recognize these accounts nor authorize these that you block this information from my credit report within 4 business days, pursuant 605c of the fair credit reporting act, I am a victim of XXXX XXXX  of debt bondage and would like for the accounts to be blocked and deleted.