davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I had taken out a student loan years ago around XXXX to XXXX with a lender to assist with rent and other payments while attending school. I later consolidated this loan for a lower interest rate with one other loan at the time. I was admitted to the hospital in XXXX which caused me to get behind on many bills. In XXXX, I filed a XXXX XXXX Bankruptcy and my private loan with XXXX was included in this bankruptcy and the debt was XXXXscharged under a normal bankruptcy proceedingXXXX XXXX was served properly, and it was listed as student loans in the bankruptcy proceedings. I was informed by the clerk and court that this debt was discharged under a normal bankruptcy proceeding and therefore the lender should no longer be able to collect on this debt. At the time of the bankruptcy, the amount of debt was only {$39000.00}. This amount was to be removed from my credit ( which it was ) but later returned when Nelnet stated that they now service this loan. Nelnet has been collecting interest on this loan from the time they state that they took over, which interest is now in the amount of {$13000.00}. During the time of Covid, all student loans and interest were deferred due to Covid and I was instructed except these two " private loans '' and that interest would still occur. I stated that these loans were discharged and provided copies of the bankruptcy proceedings and requested a forbearance until this was straighten out. 

I filed a complaint with CFPB previously and their response was that once the bankruptcy is completed that my loan servicers are notified again to return your account back to repayment status. Nelnet was not notified to return this private loan back to a repayment status, and if so, then they need to provide documentation which shows that this loan was to return to a repayment status. What gives Nelnet the right to dictate the law especially when this was discharged? 

Nelnet has no right to be servicing this private loan that was originally with XXXX lenhder and discharged completely in a bankruptcy. Someone needs to look in to this as Nelnet is taking advantage of the situation entirely. Nelnet sent a letter but I want proof for where they received something showing that this loan was to be returned to a repayment status. When a JUDGE informs me that this was discharged debt under a normal bankruptcy proceeding, and Nelnet is trying to collect, something is obviously wrong. This debt needs to be removed along with all interest.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

XXXX  consumer report states 24 potential negative months with Discover Bank. This account original charge off date reflects XX/XX/XXXX, since this date either Discover Bank is reporting on several different dates ( 17 ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that Discover Bank has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Discover Bank has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for Discover Bank . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Consumer complaint received 2023-09-05
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 have submitted this information in the past and attempting again due to claims of not finding my consumer report and to do so as a good faith attempt. In Addition to the federal violations, you are also violating state laws as a result of violating my right to privacy as it relates to my consumer credit reports ; North Carolina General Statutes Section 14113.20 : Focuses on obtaining, possessing, transferring, or using someone's personal identifying information with the intent to commit fraud.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records.

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation.

That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, XXXX
Consumer complaint received 2023-09-05
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. (CA)

I had identity theft and I reported it to the police on XXXX XXXX XXXX I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my letters
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (FL)

It is indeed unfortunate that I need to submit this complaint for a third time. 

The company involved ( Alliant ) provides anonymous responses authored by an employee who apparently has difficulty comprehending the XXXX language. 

I will try once again and hopefully this will be directed to someone more fluent in XXXX. 

I am copying XXXX XXXX XXXX on this go-round as she was responsible for creation of this federal agency and might like to know what it has devolved into basically a letter forwarding drop box. 

I will refute each point in the anonymous response : Paragraph 2 of the anonymous response deals with the number of boxes to be returned. 

Please refer to the email time stamped XXXXXXXX XXXX  on XX/XX/XXXX which reads as follows : " Hi XXXX Guess my guy cant count I am bringing back three ( 3 ) unused boxes of the 59 x 10 And One damaged box of same till Total four boxes be there in half hour many thanks XXXX XXXX Sent from my XXXX '' how can this be any clearer? there are four cases in play here, one damaged and three undamaged. 


Paragraph 3 of the anonymous response states in essence that the merchant states I returned only three cases. That is correct in part but only because the merchant failed to honor its commitment to accept the return. Only three cases were returned BECAUSE THE MERCHANT REFUSED TO ACCEPT THE CASE THAT ARRIVED AT MY HOME DAMAGED. 


Hopefully a more careful reading of the email chain will demonstrate to the anonymous author that credit which was offered by the merchant was only for the three undamaged cases of material. 

Why is this so hard for Alliant to understand? 

The merchant should have accepted the damaged case of material. They refused. 

The email chain is more than clear ... .we are dealing with damaged and undamaged material. XXXX from the merchant agreed to take back both the undamaged and damaged material, subject only to the 20 % re-stocking fee.
Consumer complaint received 2023-08-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : OAG CHILD SU Account Number : XXXX has violated my rights. Or 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

The XXXX XXXX i ask to remove late payment 30 days in accordance with the law, my rights have been violated. Late payment reports to your consumer reports is illegal. In 15 U.S. code1681a : Definition and rules of construction ( 2 ) Exclusion. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as a transaction or experiences between the consumer and the XXXX making the report ; transaction are not included in the report and request is to remove late payment from the account
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've made a complaint on XX/XX/24 regarding my account closure on XX/XX/24. My account was being closed without my knowledge. I was denied online access and was originally told I wasn't able to go into a branch to withdraw my remaining funds. I received a call on XX/XX/24 from a Bank of America representative advising me I was able to go inside a local branch to complete my request. The representative also advised me she would notate my account that my accounts were clear to withdraw. I then went inside of a branch location on XXXX XXXX XXXX in XXXX, Tx to complete my transaction and was told by XXXX XXXX my accounts were locked and I was unable to withdraw my money. Not only did XXXX tell me I was unable to withdraw my money she was rude about it while asking do I know whats going on with my account. After I already explained the situation and what I was trying to accomplish. I then called Bank of America again to express what was occurring. The representative advised me that XXXX of my accounts were open to withdraw funds but not both. The lack of communication with this company is unacceptable. Having multiple accounts with them over a XXXX time span being treated so poorly with my livelihood at stake is the most absurd and disrespectful thing I've encountered with any financial institution ever.
Consumer complaint received 2023-09-05
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. (CA)

Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
EXPERIAN and XXXX have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
Experian and XXXX still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

XXXX has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The account XXXX XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and EXPERIAN and XXXX has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but EXPERAIN has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (UT)

On the XXXX XXXX XXXX XXXX # XXXX account that you FINALLY got the dates correct on, took forever, you removed the expiration date for when the account will fall off my credit. Why was this date removed????? Please put the expiration date back on the report so I know when the account is scheduled to fall off!
Consumer complaint received 2023-09-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

We purchased flooring and installation from XXXX XXXX. The salesperson told us that we would receive discounts for mid-week installation, yard sign, and flexible scheduling. She XXXX she was not able to give us any receipt, other or contract as she had to get the discounts added in, and could not print in from her tablet, could email it from rhe tablet, but that the installers would bring it out. We agreed to be signed up for emails in the future. XXXX 's website states there shall be a {$300.00} discount for signing up for emails. We were told that the final contract and a receipt would be brought out to us by the installers. The installers brought no documents. 
After spending several months trying to get even the contract, we filed a complaint with Discover. Discover did not investigate the complaint. Instead they told us to file a XXXX  complaint. We filed with XXXX. XXXX did not respond to the XXXX  and the omplaint was closed. 

XXXX has violated C.R.S 6-1-105 ( 1 ) ( l ) which states, '' Makes false or misleading statements of fact concerning the price of goods, services, or property or the reasons for, existence of, or amounts of price reductions ; And CRS 6-1-105, 'which stateslFails to deliver to the customer at the time of an installment sale of goods or services a written order, contract, or receipt setting forth the name and address of the seller, the name and address of the organization which he represents, and all of the terms and conditions of the sale, including a description of the goods or services, stated in readable, clear, and unambiguous language ; Discover needs to do an actual investigation into the receipt issue.