davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

After checking my credit reports on the federally provided link at https : //www.annualcreditreport.com/XXXX XXXX with each credit report ; XXXX, Experian & XXXX XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : EXPERIAN : Informative Research Inc inquired on XXXX XXXX Report inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX : XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXX XXXXXXXX, XXXX via XXXX XXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXXT via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have a loan through Nelnet that has not qualified for any of the covid programs. 

On XX/XX/XXXX, I received a phone call from Nelnet explaining that the company they purchased my student loan from ( years ago ) had miscalculated my monthly payments. My loans are due in 6 months and they are now dividing my remaining payments up for the remaining amount, which ballooned my payments from {$110.00} to {$1100.00}. My only options are refinance or pay it off. I was told I could also call for forbearance with no issue other than an annual phone call required. 

I called Nelnet back on XX/XX/XXXX after digesting this information, and asked them to send this all to me in a letter. I was informed that the previous caller was wrong and this agent would submit a form and I would continue with the lower payments, and letters with this information would be sent. 

I never received a letter. I checked my Nelnet account on XX/XX/XXXX, and was shocked to see that they had increased my auto pay amounts without my permission, to {$1100.00}. I called again, and this agent told me I do not qualify for forbearance, and my only options were to pay or refinance. She had no information on refinancing available and sent me to a government website. She said she would request a letter be sent to me by email, and it would arrive by XX/XX/XXXX. 

I called again on XX/XX/XXXX as I did not receive anything by email or mail. This agent informed me that a letter was sent on XX/XX/XXXX but takes time for processing and it " should '' arrive by XX/XX/XXXX. She said I don't need to make the large payments on XX/XX/XXXX when it's due, and it would probably be fine since I haven't received anything in writing and they shouldn't report to the credit bureaus. 

My first auto-pay that Nelnet increased XXXX my approval was taken from my checking account on XX/XX/XXXX. 

I received the emailed letter I had requested on XX/XX/XXXX. This letter took no responsibility for their part in my payments increasing XXXX. I have not yet received the postal mailed letter promised by XX/XX/XXXX. 

I am extremely fortunate that this is not going to cost me my house, food, credit, or absolute necessities. It just feels so wrong that a mistake by a huge student loan corporation can lead to such repercussions for me but not them. I have always paid on time at the amount that Nelnet calculated as due, yet I'm stuck with dealing with their mistake. I am concerned that I am not the only one this is happening to, and know others would be in a much worse situation with this kind of demand for payments.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX XXXX # XXXX 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 reportinq 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 I Hems or information Any other adverse item or information, other than records or convictions or 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 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Since XXXXXXXX XXXX  XXXX I have made {$16000.00} worth of payments on my Department of Education held loans from my XXXX years at XXXX XXXX XXXX  ( XXXX ) via my designated loan servicer, Nelnet. On XX/XX/XXXX I called Nelnet and requested refund of a {$7800.00} payments made made on XX/XX/XXXX, as provided for under the CARES Act. The Nelnet representative told me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. On XX/XX/XXXX, I called again, this time to request refunds of 3 payments of {$510.00} ( each ) made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Again, the Nelnet representative advised me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. They advised me to call back if refunds were not received within that timeframe. It has been 6 weeks from the first request and I have not received any refunds nor has my balance been updated to reflect any of the requested refund amounts. I called- as instructed previously by Nelnet- to check the status of my refunds and loan balance update, and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could affects requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. This is asinine for multiple reasons, but most significantly because this will prevent me from applying for {$10000.00} of loan cancellation to which I am entitled under the recently announced forgiveness plan before the end of the year when payments restart. Nelnet is effectively holding my money XXXX to force payment of some interest to them on my loans into XXXX, as if my loan balance is not updated until XXXX, then it would be XXXX before I could expect cancellation, given the reported timeline from application to cancellation is ( at least ) 6 weeks. This will effectively force me to pay interest on loans I've already paid off, which should have been refunded, and which should be forgiven before end of year. All payments on my student loans to Nelnet have been made electronically from a major bank and can easily be reversed electronically- this takes only 3 to 5 business days for almost all financial institutions. Additionally, a timeline of 3-4 months was not the agreed upon terms of the refund and I was not advised that the refund could take until the end of the year during either call in XXXX.
Consumer complaint received 2022-10-04
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)

Equifax has my credit history listed as N/A. When I log into my account I can not view any credit history for myself. It is hard to dispute inaccurate information if I can not view what is listed on Equifaxs website. My personal information was apart of the Equifax breach. I want Equifax to fix this issue so that lenders can get accurate information when considering me for credit. I am trying to buy a house and lenders are reporting to me that I have no credit history. I have been calling for several months asking Equifax to fix this issue and to date nothing has been done. I have already submitted personal documentation to verify my identity as suggested and the problem still exist.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

The federal government recently announced a student loan relief plan with a term that stated any payment made during the pandemic could be refunded, My servicer ( Great Lakes ) rejected a refund request for loan payments made during the pandemic pause. They cited a 3rd party consolidation as the reason for the rejection. I am a Pell Grant recipient and the department 's recent guidance on refunds does not state a specific payment party as a requirement for refund eligibility nor does it exempt payments due to a refinance. According to XXXX " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' Part of my payments during the pandemic were made by a 3rd party refinance not a consolidation. According to the policy stated, I should be granted a refund.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 I was selling a music festival ticket on XXXX XXXX XXXX. We were messaging for a bit and he offered to XXXX me for the ticket. Then, he told me he sent it but the money couldnt go through due to my amount capacity and that I should have received an email from XXXX as well. My guard was totally down because at first I completely believed that these emails were actually coming from XXXX. Then, I follow the instruction in emails and had to send {$240.00} to extend to the amount capacity of {$500.00}, because he sent {$260.00} ( the music festival ticket price ). I reached out to my bank, Chase in XXXX, Arizona and they went ahead and filed a dispute. They told me if I hadnt heard anything in 10 days and the money hasnt gone back in my account, I should call back. Being a college student, I had a busy week and was unable to call the bank during their hours on the 10th day. I finally had the chance to call them today, XX/XX/XXXX. They let me know that the investigation had already been closed so there is nothing they can do. First, why would they close the investigation before notifying me. Secondly, they let me know since I approved the XXXX transfer there was nothing they could do and had no protection for scams. I have also heard of cases where people have accidentally XXXX the wrong person and the recipient refused to return it, but were still able to get there money back. Please, I am a college student and this is some money I could actually use. I would just like the money back, nothing more, nothing less. I will become more aware and skeptical to lessen the likely of this ever happening again.
Consumer complaint received 2022-10-04
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. (PA)

I sent a certified letter to XXXX court XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX I sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from Experian. By email stating they verified the account but didn't provide me any proof of how they verified this information.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (IL)

The XXXX XXXX : Crypto.com does NOT provide its users with a Profit/Loss statements that we need to file our taxes. They tell their users to download a generic file that Does NOT include the user name or information, it does not include their commission fees ( This is used for cost basis ) and most importantly it does Not provide the " total '' for Deposits and withdrawals to simplify Profit and Losses. 

I reached out through their mobile app via message with their support agent which was of absolutely NO Help. I was told this information was not available. I have screenshots of this conversation. 

This is a Multi Million dollar if not Billion dollar company that can't even provide tax report pdf 's for their customers. 

The generic spreadsheet that they tell their users to download should at least include The users name, Platform name and stop hiding they commission fees.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion stated in their response to my complaint with CFPB and in a letter I received on XX/XX/XXXX from Transunion dated XX/XX/XXXX in response to my original dispute of XX/XX/XXXX, that the status ( as open ) and balances ( over {$100000.00} with the 10 students loans ) with XXXX in my credit report are accurate. In their letter they also stated that the documentation I provided did not meet their standards. Transunion also stated in their response to CFPB that their computer/internet system was " temporarily unavalible. '' First, it is impossible that XXXX could report that I still have open student loan accounts with them and with the balances reported. All my student loans were paid off and transferred to XXXX XXXX on XX/XX/XXXX ( and subsequently transferred again to XXXX ) as demonstrated in the XXXX XXXX XXXX Summary and Verification enclosed and the screen shot from my XXXX account. I am providing the official XXXX XXXX statement stating that the loans were transferred, the status is close and the balance is {$0.00} for all my student accounts. How is it possible that such document does not meet the " standards '' of Transunion? 

Second, I tried again today, XX/XX/XXXX to re-enter my dispute about the XXXX student loans into the Transunion website and after I finished entering the info and the supporting documents I received the same message than one week ago : " Dispute Temporarily Unavailable. '' I have enclosed the screen shot of the message of today.
Consumer complaint received 2022-10-05
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: Rent Recovery Solutions (TX)

XXXX I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law
Consumer complaint received 2022-10-03
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)

Contacted XXXX XXXX to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from Equifax. This account recently re reported to Equifax on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

Since XXXXXXXX XXXX XXXX this account with XXXX XXXX XXXX XXXX XXXX XXXX has been paid off. I was charged additional interest because they were having system upgrades that went haywire. No reporting to the credit bureau, no answers, deceptive answers and lies about reporting. I monitor my credit closely and this is awful and it is hurting my credit utilization. I did my part, paid the bill, they should report accurately.
Consumer complaint received 2022-10-05
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)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (AZ)

I sent a letter on XX/XX/2022. This letter was sent in effort to remove personal information that shouldnt be on my credit report, nor did I authorize such. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.