davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (DE)

There is nothing that can be done by my student loan servicer Nelnet regarding this issue. I have n't actually had any problems with them as of yet, my concern is with my loan itself. I graduated in 1995 with a {$24000.00} loan. Not bad really. However, since I was often well below poverty level income-wise I have never been able to make payments. If I had known that my {$24000.00} loan would balloon into {$66000.00} I would have starved for a year or XXXX in order to pay that off. In fact, I would starve for a year or XXXX to pay off the original amount of {$24000.00} now. But, I ca n't even fathom how I am going to be able to pay off {$66000.00} and counting anytime in the near future. I make {$1400.00} a month after taxes, not even enough money to move out of the XXXX studio apartment I live in with my boyfriend and occasionally our children who ca n't live with us because we live in a studio. It makes me feel hopeless. What is all that interest for anyway? Would n't they be happy with a full payment of the original amount instead of no payment for the hopelessly inflated amount? There should be some kind of cap on the interest charged, instead it is just growing and growing with no end in sight. I will probably be dead and pass that debt onto my family. 
( The drop down box is freezing my computer for the school choice. I attended the University XXXX )
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

For all intents and purposes, the following will be referred to as " The Creditor '' herein : Chase Card ServicesXXXX XXXX XXXX, DE XXXX creditor has disregarded FCBA and concerning Consumer Protection Laws multiple times in the last 2 weeks. 

Below is a brief list of the Federal and State violations : *charge for goods that were n't delivered as agreed. 
*failure to post credit, while the investigation is pending. 
*charge for which an explanation along with a request for clarification is needed. 

Charge of {$26.00} with " XXXX XXXX XXXX '' was disputed with the merchant since the merchant started closing the food station within 10 minutes of seating us and told us that we had to leave soon. Since we were not provided enough time for the goods, we requested a dispute to which they refused. 

The charge was then disputed with Chase but the creditor refused to investigate/provide temporary credit/comply with FCBA, even though it was told that the charge is inaccurate because the the service/goods were not delivered. The merchant failed to present proof of its investigation and the specific reasons for it 's decision. 

I request that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement along with the record/corrective course of action adopted by Chase & CFPB to address similar violations with other consumers in order to avoid further scrutiny of the same by a private legal counsel and concerning agencies : Attorney General, Federal Reserve Board etc. 

Enclosed is a copy of letter by Chase.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (GA)

XXXX a.k.a. XXXX XXXX XXXX XXXX XXXX ( XXXX ) a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. Bank One complaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, fax : XXXX XXXX/XXXX/XXXX - XXXX permanently closed account per A. XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX sent collection letter for {$10000.00} ; XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX permanently closed account XXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX XXXX XXXX and threatened legal action if $ XXXX debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXX XXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX XXXX/XXXX/XXXX - XXXX Collections has no records of debt. Phone : XXXX, XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX claiming same as XXXX XXXX XXXX XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX XXXX/XXXX/XXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Cease and Desist all collections or derogatory activity regarding the alleged debts on my credit report.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is in violation of my consumer rights and is affecting my credit worthiness.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Found an account my credit report that is inaccurate and misapplied. 

I am writing to report and dispute a fraudulent account that has appeared on the credit report associated with my Employer XXXX XXXX ( XXXX ). As per the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( a ) and 1681i ( a ) ( 1 ) ( A ), I demand the immediate investigation and removal of this account. This account was not opened by me or any authorized representative of my business. It does not correspond to any legitimate business transactions or credit applications associated with this XXXX.
Consumer complaint received 2015-08-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.
Consumer complaint received 2020-11-13
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. (AZ)

XX/XX/20 and XX/XX/20 Equifax processed/ran 2 fraudulent credit inquiries made by XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with Equifax and XXXX since XX/XX/20. I had informed both of them that I do no business with XXXX - no account, credit card, loan or anything. 
My Equifax communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create Equifax account to review their outcome online but called and was informed the XXXX inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by Equifax - again listing the XXXX listed above. XX/XX/20 I called Equifax and was given information on how to file a complaint with Equifax. 
My XXXX communications via telephone started XX/XX/20. I made on-going telephone calls for days to XXXX and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called XXXX Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Glasser and Glasser, PLC (NY)

I recently received a Notice of Withholding and a copy of a garnishment summons for a really old debt. When I had previously checked my credit report it said this particular account was closed and written off as a bad debt by the creditor. 
So as far as I was concerned there was no collections or anything. 
I had not been contacted regarding this debt and I was not notified of any kind of court proceedings or that a case was filed against me. 
Upon receipt of this notice of withholding i contacted the law firm who is collecting the debt and they claimed to not even have my phone number on file. How could they have my SS number but not my phone number? According to their records my last communication with them was in 2012. So that 's 4 years where they did not make a single attempt to contact me or notify me and then suddenly my pay check is being garnished. 
Also I probably did not live in the state where the action was taken against me. Since I have no idea when legal action was taken against me I can not verify that.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MO)

Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent account.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (KS)

I placed a credit freeze on my credit bureau. When I did it, they should have given me a pin number to unfreeze the account when needed. They did not do so. I have attempted to obtain the number from Experian, but they have failed to give it to me. I have included a screen print for your records showing that no pin number was given.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has me owing them $ XXXX.when i moved out in XX/XX/2000 i received my mailed security deposit back and left a clean apt., and gave 30 day notice. when i contacted XXXX about this debt, they could find no information in computer or back files.I never heard anything about this debt until it showed up on my credit report. what do i do now?
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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.