davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have filed multiple complaints with CFPB. Each time Nelnet will respond inaccurately and CFPB closes the case. The latest complaint to Nelnet case number XXXX was closed after Nelnet provided a letter indicating they were not going to comply with my request to follow the Sweet XXXX XXXX ( XXXX ) settlement agreement and refusal to follow XXXX  XXXX 's directive to apply the Terminal Consolidation Loan process to all automatic class members ( discharge the terminal consolidation loans [ XXXX XXXX and non-SvC loans ] and refund the monies that have been paid back to the borrower ). Nelnet stated in their XXXX letter that " We can confirm that as a contracted servicer, we follow the guidelines laid out by XXXX regarding the TEPSLF and borrower defense discharge programs ''. 

XXXX of my questions is how can Nelnet disregard the settlement agreement of XXXX and XXXX XXXX 's directive to apply the Terminal Consolidation Loan Process? How can Nelnet reallocate part of my refund to pay for non-SvC Loans? 

Yesterday, XXXX, at the SvC progress hearing in XXXX XXXX 's court it was stated that the loan servicers had corrected the reallocation of refunds to pay for non SvC loans. This was not a true statement in my case since my refund has still been reallocated. My loans have been discharged under the settlement agreement, but my refund has been reallocated to pay for the non-SvC loans. I have been saying this in each of my complaints and Nelnet continues to disregard the court and continues to say they are only doing what the Department of Education ( XXXX ) is telling them to do. 

In the XXXX letter Nelnet states that " If we do not receive new information substantiating your claim, we may file your concerns without additional action ''. What more or new information is needed? The court documents have been provided to Nelnet. Nelnet has attorneys present at the hearings and have been told to follow the courts directives. I need to know exactly what additional information is needed? 

I also need Nelnet to provide me with the written XXXX guidelines that were referenced in the XXXX letter. 

According to my records, my remaining refund should be between {$10000.00} and {$10000.00}. I honestly believe it should be more. I do not believe XXXX has my full payments documented. On XXXX in XXXX of my many conversations with Nelnet, a Customer Service Representative indicated that the records in my file showed that on XXXX XXXX authorized refunds in the amounts of {$5100.00}, {$6700.00} and {$7900.00} totaling {$19000.00}, however, I do not have actual documentation of these numbers even though I requested the documentation from Nelnet. 

I need Nelnet to follow the court 's directives. Refund my money! 

Once that is completed my case will be complete according to the SvC settlement.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I opened an account for my trust on Coinbase on XX/XX/XXXX. I provided all the required documents, and the account was approved on XX/XX/XXXX. 

However, after XX/XX/XXXX, Coinbase restricted my account without notifying me, and I have been unable to make any transactions since. 

I contacted them twice via the chat feature on Coinbase.com, and they opened a case, but I never heard back. The second time I contacted them was on XX/XX/XXXX, and the case number is XXXX. 

A week after submitting the case, I reached out again, but they had no updates and could only tell me that I have to wait indefinitely, without providing a time frame. 

On XX/XX/XXXX, I called Coinbase. After some back and forth, I was told that I need to speak with the business department, but they have no contact information for that department and couldnt provide any way for me to reach them. 

In the chat, I received a similar response. 

The only option they gave me was to file a complaint online at Coinbase Help. I filled out the form with all the required information, but in order to submit the complaint, you must email a verification code. I emailed the code twice but was not able to get verified, so I couldn't even submit the complaint. 

Now, Ive been stuck for almost XXXX months, unable to access my money.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (GA)

Selene Finance LP is my mortgage servicer. I have made all my mortgage payments on time. They have not made fully payments to my home insurer, XXXX. XXXX sent me the unpaid bill of {$260.00}. They said I needed to call my mortgage servicer. I called Selene Finance on XX/XX/XXXX and let them know payment was due by XX/XX/XXXX and was eventually transferred to the insurance department. They said they would look into it and send me updates. The updates sent basically said they couldnt do anything about it and were fully automated responses. They still have not paid. 

XXXX has now cancelled my homeowners insurance and I am not covered due to nonpayment by my mortage servicer, Selene Finance. I have emailed my account representative. I am mailing a Notice of Error today.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I bought a white XXXX XXXX on XX/XX/XXXX from a dealership named XXXX XXXX in XXXX XXXX. I signed a XXXX year loan. I paid the last payment on XX/XX/XXXX which was the end of the loan based on the extensions I requested. So at the end of said loan, after my last payment was sent, confirmed and submitted based on Ally Financial Portal and its Representatives over recorded phone calls, Ally Financial then changed the ledger, created mark-ups and padding, and added {$3200.00} more dollars after the last payment had been received. After I requested over and over again, in writing, by way of certified letters, on the Ally Financial website portal and over numerous phone calls, Ally Financial refused to validate in detail the exact reasons for the additional amount due or where it came from. So I had to hire an accountant to review the account and review the Ally Financial ledger ( which they sent to me by XXXX ) My accountant could not justify the additional amount due as well. The accountant suggested that I request " an explanation '' So, I contacted Ally Financial and they still refused to " explain '' the amount due. Then I attempted to find a lawyer to represent me since Ally Financial said that they would only validate or negotiate the account with a lawyers office through their " Attorney Represented Client Department '' Throughout this entire time frame since XXXX of XXXX Ally Financial has been unable to confirm, explain nor validate their padded and marked up accounting ledger. They have severely damaged life byway of damaging my credit rating. I have been denied credit, denied loans, denied home loans. The credit report does not show the XXXX  years of payments. The only item listed on the credit reports and on all the bureaus is a balance of {$5400.00} The bureaus are no longer listing it as " in dispute '' The Bureaus show that I owe a balance with no details about the loan. Just because Ally Financial says so, without any validation, explanation or justification does not give the bureaus the right to destroy my life and continue to report fraudulent information. NOTE : In the past, Ally Financial has not prevailed with Class Action lawsuits relating to specifically " fraudulent padding and mark-ups on auto loans '' In addition, Ally financial sold itself to XXXX XXXX  XXXX XXXX of XXXX for XXXX XXXX, which means that Ally Financial no longer exists.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I asked capital one to refund an annual fee of XXXX dollars that was charged to my account 10 days ago from today. They refused. I spoke to 3 people and they all didn't want to refund the fee or offer to downgrade the card to a no annual fee.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, Equifax, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( 11/2023 ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, Equifax, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, Equifax, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.
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. (NC)

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and XXXX unauthorized inquiry being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] Inquiry : [ XXXX XX/XX/year> ] An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiry to ensure the accuracy of my credit 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. (CA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

My Flagstar mortgage payment has been scheduled on autopay directly from my bank for 4 years with a perfect payment record. Recently, the mortgage company updated their website and deleted my autopay without informing me for 40 days. Once I was informed, I immediately made the payment in full. I have contacted them both in writing and by phone. They will not admit responsibly. They then submitted a 30 day delinquency to the credit bureaus.

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. Per 15 USC 1681s-2A1 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-24
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. (CA)

These inquiries are really damaging my credit report, not to mention that I was unaware of these being reported in my account. These companies did not inform me that they will be accessing my credit report - these are unauthorized.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have verified my records and can confirm that this account should only appear once. It is reporting twice with a different account number. Account XXXX is reported closed while account XXXX is still reporting as open when it is indeed close. The duplicate listing is negatively affecting my credit score and misrepresenting my credit history. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Attatched are the dates, I'm afraid as to reporting account XXXX account as " closed '' because it was indeed closed at the same time account XXXX because it is the SAME account. I included the account payment details which show 99 payments history on account XXXX and only 88 payments on account XXXX which are all the same except for the payments that were not posted.
Consumer complaint received 2024-10-25
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 account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in XXXX AND XXXX to be removed. 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. 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

Dispute and Request for Update of Personal Information I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.