davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

I have tried multiple times to get through to Nelnet, I have applied for the XXXX plan but heard nothing back and I can not reach Nelnet. I have sat on the phone multiple times for XXXX hours to get taken out of forbearance and get on the XXXX plan but can not reach anyone. Interest is now adding up and I cant reach Nelnet to solve the problem. I have yet to speak to anyone at Nelnet. Nelnet does not answer emails and nothing can be resolved through email, they just tell you to call.
Consumer complaint received 2023-12-04
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. (GA)

On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and Equifax are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, XXXX XXXX Equifax ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Vehicle was repossessed only after company failed to explain and offer payment arrangements. 

Once vehicle was sold, remaining balance was significantly more than it should have been. 

Company refused to produce documentation showing that reasonable attempt to sale at value ever took place.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (VA)

In a recent pull of my credit reports from the credit bureaus my Mortgage with USBank does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about USBank not reporting the correct information within months all information disappeared of the credit bureaus.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX
Consumer complaint received 2023-12-04
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)

These Accounts have violated my rights According to FCRA. 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA is the account account openXXXX I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2023-12-04
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: AES/PHEAA (MD)

My credit score was impacted severely from a reporting to all XXXX credit bureaus that I strongly disagree with. My score dropped by more than XXXX points which was devastating for me. I spoke to a representative with AES named XXXX XXXX on XX/XX/XXXX who advised that she did not see where my account was or should have been reported on XX/XX/XXXX. My credit report says that no payment was made for XX/XX/XXXX but that payment was made but late on XX/XX/XXXX in the amount of {$180.00} which was only 15 days late, not 30 days late. Another payment made on XX/XX/XXXX in the amount of {$190.00}. The account is currently up to date with no current payments due until XX/XX/XXXX. I requested that this derogatory information be removed from all XXXX credit bureaus so that my credit score can be restored. I just started a business and I am afraid that this reporting of 30 days late will affect my ability to obtain loans, credit cards for my business. I am the cosigner on this student loan for my daughter. She has had trouble paying this loan over the years and has always applied for forbearances and/or deferments but there are no other options available at this time to assist her with making her payments. Despite all of that, we have never been reported to the credit bureau ever before. I'd just like to be shown alittle grace and have this derogatory mark removed from my credit report.
Consumer complaint received 2023-12-04
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

I haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a new business account, funded it with a $ XXXX cashiers check from XXXX XXXX. the placed a 7 day hold on the funds which was fine, I then wired $ XXXX into the account so I could use it to make payroll. I wired out money for my payroll to pay my contractors and after the 3rd one they froze my account. After calling they refused to tell me anything except they said it was " flagged for fraud ' because of the check I funded the account with. I told then the check was a cashiers check and they said it doesn't matter. They refuse to give me the funds in the account or give me any timeframe which I can get this resolved. This has cost my business a great financial hardship and they should be shut down and fined by YOU. I can not log in, see my funds or use my funds. This is theft
Consumer complaint received 2017-12-03
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. (SC)

I obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the
Consumer complaint received 2023-12-04
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)

I write this notice saddened by the inequality and trespass of my consumer rights. The consumer reporting agencies have had more than their allotted time to fix an issue Ive been continually attempting to correct. Ive filed an FTC report as a result of the violation of privacy via the PRIVACY ACT of 1974, because neither the creditors of the alleged debt nor the consumer reporting agencies have provided me anything in writing in which Ive signed stating they had the ability to report my non-public personal information. Ive requested several times and theyve not providing me with anything. Ive also recently sent in my request to block such erroneous and invalid information from my report via 15 USC 1681c-2, and comprehending the consumer reporting agencies had 4 days to block such information from my consumer report, theyve not done so, which means the company is abiding by the laws of congress. I have pain and suffering because of these reporting as it is hindering me from taking care of myself, my kids and family. The defamation of my character has gone on for far too long and Im tired of it! Ive included the documents I sent out in the XXXX of XXXX, thats including the FTC report, and the identity accounts, my identification and my personal statement, the documents were also notarized.
Consumer complaint received 2023-12-04
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: CITIBANK, N.A. (AL)

Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( 1 ) CBNA balance {$5100.00} / ( 2 ) XX/XX/ with THD/CBNA
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (TX)

My account with American Express is XXXX for XXXX, and the first payment due date is XX/XX/2023 for {$720.00}. 

On XX/XX/2023, I paid {$800.00} from my XXXX bank account. Please see the attachment ( It shows the amount of {$800.00}, payment sent to account XXXX, expected date delivery XX/XX/2023, biller name, payee name, payee account number, payment amount, File transaction date, payment effective date, trace number, and transaction ID ). 

On XX/XX/2023, American Express contacted me regarding needing to receive my payment on the due date. I then provided the above information thrice from my XXXX bank account ( XXXX ). 

I talked to the American Express customer service supervisor ( XXXX ) on the phone four ( 4 ) times and uploaded the above copy to the American Express account each time ( CI XXXX & CI XXXX ). 

As of today, XX/XX/2023, American Express still needs to provide me with an answer about what happened to the {$800.00} payment that I made on XX/XX/2023. 

I am concerned about the ability of the investigation department from the American Express Loan Department. I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. 

If there is no response from American Express, I will move forward to submit it to the XXXX XXXX XXXX.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

Balance on credit report not reflecting on none of the credit bureau. My last updated from Navient was XXXX before I started disputing the incorrect amounts. I called Navient for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact Navient. Navient is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Partners LLC (IN)

I got call at XXXX. The Individual did not say first who or what company he was calling me about. He immediately started with my son 's first name ( XXXX ), asked if I am XXXX. I refused to answer. I asked what the " small debt '' was for, refused to get me the detail information. I asked to have a letter send to address on file, individual said " letter was already sent '', thanked me for the call, hung up. I called back at XXXX to verify phone number, individual answer no name or company name. I requested to have the name of the company that called me for a debt collection, Individual refused. After disputing with XXXX telling him by law he is required to give me the name of the company Receivable Recovery Partners. He said you will do nothing XXXX XXXX. Phone number is ( XXXX ) XXXX FYI NO Caller ID
Consumer complaint received 2023-12-04
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)

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 XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.