davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

multiple inquiries from the same companies reported several times and I spoke with the credit bureau before and they removed them and after there crash they where reapplied. Please remove these inquires immediately XXXX XXXX XXXX-they are no longer in business and ran numerous credit inquires against my agreement XXXX-ran my credit once and its reported over and over again as an inquiry XXXX- never authorized this inquiry I was a victim of trans unions inquiry issue and all old inquires were replaced also- XXXX XXXX XXXX XXXX XXXX these where all previously removed and now they are all listed on my credit file twice due to transunions problem please remove them thank you
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

Naviant contacted me after taking over service of my student loans ; they claimed to have sent me information that i never received, by the time they called the first time I was in default. After resolving the default I attempted to setup payments ; I was forced into a repayment plan paying less than I wanted, I then asked if I could setup auto pay at which point I was told I could only that up through their website. I was also told I could set the payments up for more if I wanted ; the webpage was difficult to navigate and gave me no options to pay more. There was no confirmation that my information was accepted and no indication it was not. 6 months later they called my Uncle who was never a contact on my account attempting to contact me ; my contact information had not changed and I confirmed they had the right information. They informed they had never received a payment and showed that they had no payment information. I am again in default and have no desire to deal with this company.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and Experian have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, Experian, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, XXXX, and Experian. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, XXXX, and Experian have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, XXXX, and Experian continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, XXXX, and Experian have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it XXXX concern! I XXXX XXXX XXXX pulled my credit report on XX/XX/2023 and seen on my Experian credit report my personal information was reporting inaccurate. I then sent a dispute letter on XX/XX/2023 to current my personal information via certificate mail with proof of my government ID and proof of residency of my bank statement & I also called on several occasions to correct it. Experian claimed they fixed it but when I look at my credit report my name is still reporting inaccurate. It should only be XXXX name on my credit report not XXXX names. I stated this in writing and over the phone when I looked at my credit report my name is still inaccurate.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXXXXXX  I contacted Citibank about an unauthorized transaction performed on my account. I advised them {$580.00} was debited from my account on XX/XX/XXXXXXXX  which was not authorized by me. The entity the withdrawal was sent to per my checking account record was XXXX  CA. I advised them I have a record of all my transactions using XXXX XXXX and this transfer was not found. I also advised them I spoke to XXXX XXXX  and they agreed it was not a transaction done by my XXXX XXXX account and to contact my bank to dispute the charge. Citibank them sent me a letter dated XX/XX/XXXXXXXX  stating they conducted an investigation and they did not have enough info to support the claim in my favor. I then faxed them an appeal letter with copies of my XXXX XXXX transaction record which showed no activity on that date or any for that amount, along with a copy of my ciibank record showing the transaction. I then received another letter on XX/XX/XXXXXXXX   from citbank saying Thank you for your inquiry and that they attached the previous letter they sent me for my review.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for this loan in XXXX of 2020 because as a single parent I was struggling during Covid. As the pandemic continued, I was barely making enough to pay my house payment, car loan, insurance and utilities. I have done everything in my power to pay my bills off since Covid and making arrangements with my creditors. I even went as far as selling my home and moving in with my elderly mother to do this and where my child could attend College. As of today, NetCredit offered me a settlement of {$55.00} for XXXX payments to a total of {$5700.00}. I can not do that. I know I borrowed the money but between trying to pay everything off and inflation I just want to get a reasonable settlement within my budget.
Consumer complaint received 2023-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I recently got scammed and I quickly reported it to the bank I used for the transaction. They told me there was nothing they could do to help me and said I should trust the people I sent the money to which is weird for a bank to say to their customers. My money was never returned and they did not try to help me. They told me they werent able to do anything.
Consumer complaint received 2023-06-23
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. 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 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 2023-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (DE)

Jefferson Capitol has reported a debt to all 3 credit bureaus in the amount of {$1000.00}. Jefferson Capitol Systems has ignored my requests to have to debt removed from my credit report stating they have validated the debt. Jefferson Capitol does NOT hold the licensing requires to collect in my State of residence.
Consumer complaint received 2023-06-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

On XXXX XXXX I received letter from student aide that a class action that was filed against nelnet was approved and that my student loan in the amount of almost XXXX was going to be XXXXischarged and I would be refunded any money I paid towards loan. Right after nelnet went and put two more loans on my credit that were not there. When I called they stated my daughter defaulted on them years prior. I was informed they would be taken off my credit. However till this day they have taken the XXXX XXXX of and left the other XXXXwo. They took the other two off this week from my XXXX and it is still on my equivax report. The only reason they were taken off was because I disputed them. Now I have to dispute through XXXX because they have not removed it. This has caused me alotnof problems because I am retired and on a fixed income and shows my debt to ratio at a high rate because of what they did. Nelnet has been very uncooperative and keep giving me the run around. I would appreciate your help in helping resolve this matter. I enclosing my documents to show they have not done it right.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

MY complaint : Experian continually gives unauthorized access to my credit report with other consistent violations of the Fair Credit Reporting Act As a direct result the information in my credit report is less than fair, true or accurate. As a direct result any extra information submitted by the consumer is given to the furnisher of the inaccurate information to update that furnisher 's reporting to coincide with the consumers self-reports. 
Please NOTE : all other subject matter of a disputed item is unaddressed. 



I received a message from Experian stating : 1. Your dispute results are currently not available online ==== I have not received the results of the dispute. 

2. AS YOU REQUESTED, THE RESULTS OF OUR INVESTIGATION HAVE BEEN SENT TO THOSE ORGANIZATIONS THAT REVIEWED YOUR REPORT. 
====== I never made such a request. ( Quite the contrary I stated DO NOT share any documentation or evidence I submit or have submitted with any outside parties -- & the agencies listed that reviewed my credit report DID NOT have my consent- ) According to the Fair Credit Reporting Act, the dispute process is to review the accuracy and completeness of any disputed item. I have requested when contacting the furnisher Do NOT share the details of my complaint with the furnisher of the information or vendor that collected the information from any source. DO NOT disclose any information I have submitted regarding the dispute. 

I have requested a copy of Experian 's processing i.e., a copy of the review and consideration of the dispute. ( with every dispute made to Experian I follow up with a request for the report - I never receive this report ) I reported that the furnishers or vendors response to dispute inquiries does not use the information for the purpose intended and I do not consent to my extra submissions and/or documentation being shared with the furnisher or vendors reporting to Experian. 

I DO NOT RECEIVE A FULL ACCOUNTING OF PROCESSED DISPUTES.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. 
On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. 
On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. 
I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Apparently my identity was stolen and someone opened a account with XXXX XXXX XXXX Bank I been trying to explain to Midland Credit Management that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

I am writing to address a critical matter concerning the 30-day late payments that are being reported on my consumer credit report by JPMC. It has come to my attention that the inclusion of this information on my consumer report violates my right to privacy. According to the Fair Debt Collection Practices Act ( FDCPA ), transactions should not be included in a consumer report. However, stating that I am 30 days late implies a transaction, thus infringing upon my rights. Therefore, I demand the immediate removal of this inaccurate information from my consumer report. 
The reporting of 30-day late payments on my consumer credit report is not only inaccurate but also damaging to my reputation and creditworthiness. This misinformation has resulted in denials on credit applications and has created significant hurdles for me in securing credit on fair and accurate terms. It is imperative that this incorrect information is promptly removed to protect my privacy, reputation, and financial well-being. 
In accordance with the FDCPA, it is my right to request the removal of inaccurate and misleading information from my consumer report. I kindly request that you take immediate action to investigate this matter and rectify the reporting of 30-day late payments. Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek actual damages caused by these inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.
Consumer complaint received 2023-06-23
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-12-24
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account : XXXX XXXX XXXX XXXX : {$31000.00}