davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. 

XXXX XXXX
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX
Consumer complaint received 2016-12-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation!
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

Hello, my name is XXXX I have since graduated from college in XXXX and I have accumulated XXXX federal and private loans mostly in private in loans. I graduated with a degree in XXXX and never got a job in my field, which was highly upsetting to me, but that 's not the issue. The issue is that Navient sold my debt to XXXX XXXX which is a debt collection company, I highly do n't trust, their website is just a simple enter your credit card and continue and they are even more impossible on the phone. According to my navient records I have XXXX loans with payments over XXXX in late fees which are ridiculous, which are XXXX of the entire loan itself. I have recently started making payments on these loans, but I know there is going to be an issue down the line with my credit on buying a car or a home and I ca n't have this over my conscience. I live at home at XXXX years of age only making XXXX after taxes working XXXX hours a week. How am I supposed to save any money when I have XXXX debt over my head. It 's frustrating and sad, and I just want it resolved. When I called Navient, to try and get everything taken care of again, they said that the debt collectors handle everything and took no responsibility for any help. It 's a private loan and no debt consolidation companies can handle that, which makes it even worse. I do n't know what to do anymore. Navient also showed that my loans for federal were paid off, and that was a lie as well, instead I called the federal student loan people and I have XXXX loans in default, and they garnished my tax return last year and I do n't want that to happen this year. I just want to be debt free, or at least a strongly reduced debt that I was manage and pay off like a credit card debt. I do n't want say I 'm a XXXX ( born in XXXX ) and that I expect everything handed to me, I do not. I work so much that I do n't have any time for myself and just want justice for me and everyone who has been screwed and harassed by XXXX XXXX, Navient, XXXX. I really hope the CFPB follows through, that we get justice, and that XXXX/whoever runs a cleaner company and makes money the right way, by working and helping a customer, rather than robbing them and destroying their credit. 

Thank you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending letters since last year requesting that the information from XXXX XXXX be verified and updated on my credit report due to all 3 credit bureas reporting different information. When I initially made the request, I asked that they send me the proper documentation to have for my records showing the information was either updated of removed from my credit profile. I received nothing other than a letter stating the information was validated and will remain on the report. I pulled my report recently and noticed the information was slightly updated but was not done so correctly. There are several violations within the information that is being reporting on my credit profile from XXXX XXXX. I will be providing 2 copies of my credit report just to give you a visual of the changes that were made but are still invalid. For example Transunion is reporting the account was opened on XX/XX/XXXX. However, XXXX and XXXX are reporting the account was opened on XX/XX/XXXX. Also Transunion and XXXX are reporting the balance owed is {$7800.00}. While XXXX is reporting the balance owed is {$7900.00}. Transunion and XXXX are reporting the account is a repossession, yet XXXX is reporting the account as Late 120 days. Transunion and XXXX are also reporting the last day active as XX/XX/XXXX, while XXXX is reporting the last day active as XX/XX/XXXX. Even down to the 2 year payment history, the information is all over the place. I have been contacting the company, the credit bureaus and still have not received any proper assistance. This account is affecting my financial ability to obtain new credit. Which is causing issues in my every day life. As a consumer I have exhausted all of my options to get this matter rectified. I am requesting this account be removed from my credit report.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-25
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)

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX, Account XXXX XXXX XXXX and Account Number XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Consumer complaint received 2024-10-25
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. (TN)

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, XXXX XXXX, never gave XXXX any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX  : Account # XXXX Account status incorrect : Date of Last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX : Account # XXXX Account status incorrect. Date of Last activity incorrect which shows that the account has been reaged. This is a violation. Account showing as a chargeoff and it also shows a balance. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX Account # XXXX Date of Last activity incorrect which shows that they keep reaging the account. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX Account # XXXX XXXX account still showing a balance. This is a violation. Date of last activity is incorrect which shows that the account has been reaged. This is a violation Please delete this from my consumer report. 

XXXX XXXX Account # XXXX Charge off account still showing a balance. This is a violation. Showing profit and loss but I never received a 1099C. High credit limit not showing correct with all 3 bureaus. Date of last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report.
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to dispute a fraudulent account that is being reported by CAPITAL ONE BANK on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that CAPITAL ONE BANK cease reporting this account and remove it from my credit report as soon as possible. 

THERE ARE XXXX ACCOUNTS ON MY CREDIT FROM THIS CREDITOR FOR THE SAME AMOUNT I am currently taking steps to protect myself by completing the identity theft report. Please provide confirmation that this account will be removed from my credit report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$250000.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!