davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

This is my 3rd complaint for the same issue. The Company 's responses have been inadequate. Stop closing my complaints just because the Company provided a response - INVESTIGATE. See XXXX and XXXX. I have been trying for months to get a statement from Nelnet. I have called multiple times and I have filed multiple complaints. I have not received a statement since XXXX. On the phone they told me that they were sending statements. In response to my first complaint, they said they " auto-enrolled '' me in paperless billing, but that they would change that back and send me paper statements. In response to my second complaint, they said they mailed it and it was returned because my address changed. MY ADDRESS DID NOT CHANGE. It is the same address on the Company 's response : XXXX XXXX XXXX, XXXX, Ohio XXXX. AND IT IS THE SAME ADDRESS WHERE I GET THE STATEMENTS ON MY OTHER STUDENT LOANS SERVICED BY NELNET. I have been trying for MONTHS to get a statement and it's always a different excuse. If they mailed it and it was returned, as they claimed, make them provide a copy of the returned envelope. I JUST WANT MY STATEMENTS! This is ridiculous. How many borrowers have delinquent payment on their records ( and may be denied forgiveness ) because this Company simply can not manage to send statements to them? Someone needs to take ACTION against NELNET!
Consumer complaint received 2022-07-01
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. (TX)

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : Preferred Lease Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX
Consumer complaint received 2022-07-01
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: Affirm Holdings, Inc (PA)

Dear, Affirm I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. As of today XX/XX/2022 I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes for the purpose of collection only. Which is what your company is doing, Therefore I demand your company, its partners, and affiliates to delete the items you are reporting on my credit report because you are infringing on my right of privacy. Please do so within 10 business days and I prohibit your company from transferring this account to another debt collector. 
I am giving your company 30 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
Best regards
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I cancelled my XXXX XXXX XXXX  bill in I believe either XXXX or XXXX when I decided to switch providers. I paid the bill in full upon cancellation, yet continued to receive monthly bills. I got another bill, called and made confirmed it was cancelled and paid. I continued to receive bills, and tried cancelling multiple times, but they never shut off the internet, and continued to bill me for service that was cancelled until I stopped paying them. I disputed this bill and had it removed from my credit history as they never showed proof. I've started seeing collections on my credit this last year for what appears to be the same bill, even though it should be after the statute of limitations. I actually believe the statute of limitations would only be 2 years since I signed up verbally over the phone.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have tried numerous attempts with Equifax to dispute information that's fraudulent, on XX/XX/XXXX XXXX XXXX appeared on repport with an original date is from XX/XX/XXXX. At every dispute whether by mail online of phone Equifax has changed the collection date each time to reflect the date that I have filed dispute as the time the item was opened making it seem like a brand new collection therby crashing my credit by over XXXX pts each time. 
I am attaching screen shots of my credit crashingXXXX  points then went up XXXX then back down againXXXX points again each month in dispute with XXXX having a yo-yo score 9 times. 
I filed police report and on XX/XX/XXXX and faxed it Equifax for the second time to Equifax on XX/XX/XXXX. Each time I have to wait 1 week for it to show up in their system. Each time the report never arrived in Equifax system byt I have email confirmation that the faxes were infact deleivered. 
I did some research an foun XXXX XXXX is collecting this account for XXXX XXXX which is a commerical merchant processing bank of some kind for businesses, not people. I am attaching a screenshot of the company XXXX XXXX represents. 

I demand an immediate resolution to this nightmare. I am attaching the police report, the " Commercial Creditor '' name I found to be related to XXXX XXXX XXXX which shows its a merchant credit card processor and my credit score going up and down every few days. 
I have been denied credit 3 times specifically because of Equifax ' willfull negligence on this account. Equifax has zero representatives to speak to in the United States which makes it an even worse nightmare, giving my personal information to someone in another country who in the end has royally screwed up my file everytime they have touched it.

There is a police report and Equifax MUST remove this account now. I was also a vicitm of Equifax ' data breach and Im wondering if this how this fraud came about?
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (UT)

So I had over XXXX XXXX dollars in unauthorized transactions I told netspend my documents and things got stolen out my car it had my pin and account and everything on there copies of my i.d . my w2s. I didnt know my things were stolen because I haven't drove that car for a while because didnt have insurance and registration been expired n it's not my family car. So netspend ended up cancelling my dispute because no error witch is XXXX because these transactions happend in Arizona and XXXX XXXX I live in XXXX Utah and was at work during these times it happened. XX/XX/XXXX Arizona $ XXXX {$34.00} ] XX/XX/XXXX XXXX {$200.00} {$2.00} {$200.00} {$2.00} {$200.00} {$2.00} {$0.00} {$0.00} {$0.00} {$2.00} {$100.00} $ XX/XX/XXXX XXXX Now XXXX XXXX XX/XX/XXXX {$520.00} {$310.00} {$2.00} {$300.00} {$2.00} {$300.00} {$2.00} {$300.00} {$42.00} ] XX/XX/XXXX {$300.00} {$2.00} ] XX/XX/XXXX {$81.00} Also there is a bunch of fees with most these transactions like XXXX mostly all the fees are In XXXX and it doesnt show when I login the app after I tried disputing them it only shows if I download my statement witch i be happy to do and send you guys. Netspend will not help me what so ever n all these where unauthorized transactions and they said no error. Its upsetting and XXXX especially when I have been a loyal customer and had lots of money go in this account n never had a problem but when my credentials and things got stolen I called n told them right away n they didnt care at all.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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 2016-12-16
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I am completing this because I could not add to my existing complaint XXXX. 

1. I never received the written response from One Main that was sent to your agency. 

2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. 
I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 

3. I believe that interest should have been deducted and that amount should have been financed. 

4. What are their intentions regarding the interest. 

5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. 

I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc. (AL)

I sent Carter Young Inc. an debt of validation letter on XX/XX/2021 and XXXX XXXX, 2021. I haven't received any information about but they still reporting on my credit report every month. I ended to an pay to delete letter on XX/XX/2021 and still no response.
Consumer complaint received 2022-07-01
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXXXXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Phone numbers THAT DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX Residential ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Employers DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

In additional information in regards of CFPB complaint XXXX, As Im aware XXXX XXXX XXXX, can you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clarify that you are in compliance with Federal Law 15 U.S. Code 1666b ( a ) - Timing of payments ? 

Im not accusing you XXXX XXXX XXXX XXXX of anything, however, I have reasonable cause the information is inaccurate, and can you clarify the billing error? The current information being furnished on my Consumer Report, Im aware there shouldnt be any late payments for any reason according to Federal Law So Im demanding that you prove that you are in compliance with the law 15 U.S. Code 1666b ( a ). 

And Just for you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be aware, Reporting Charge off is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations. 

However, Thanks again for your timely response in advance, Best Regards, XXXX XXXX, Federally Protected Consumer.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2022-07-01
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: LEXISNEXIS (TX)

n accordance with the Fair Credit Reporting Act Bankruptcy XXXX  XXXX account : XXXX, XXXX, Bankruptcy XXXX  XXXX account : XXXX, have 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 an account without my written instructions