davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

I am filing a complaint concerning the handling of my Borrower Defense refund following a series of loan transfers, starting with Nelnet. My loans, tied to my attendance at XXXX XXXX XXXX, were initially serviced by Nelnet, then consolidated and transferred to XXXX, and ultimately to XXXX before discharge. Under the XXXX XXXX XXXXXXXX settlement, I am entitled to a refund of {$46000.00} for payments made on these XXXX loans, but despite the discharge being completed, I have not received my refund. 
Each servicer involved has lacked clarity about who is responsible for initiating my refund, leading to delays and confusion. 

Given that Nelnet was the initial servicer, I request the following be addressed : XXXX. Confirmation of Nelnets actions in the loan transfer process with respect to Borrower Defense cases. 
2. Verification of any steps Nelnet took to facilitate my refund prior to the transfer of my loans to XXXX. 

Details : Borrower Defense Application Number : XXXX XXXX Complaint Number : XXXX The repeated transfers and lack of communication have caused significant frustration. I am seeking CFPBs assistance to ensure that Nelnet, as well as the subsequent servicers, fulfills its responsibilities in processing my refund.
Consumer complaint received 2024-09-23
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX  XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXXXXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this complaint to bring to your attention that Equifax has unlawfully re-inserted an account on my credit report, which had previously been deleted. This account is the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of the previously deleted account.

Additionally, Equifax is unlawfully reporting fraudulent inquires on my credit report. These inquiries are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

As an active member of the military, it is critical that these fraudulent inquiries, which are the result of identity theft, be removed and blocked from my report immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX, which has adversely affected my credit report. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX  Current Servicer : XXXX XXXX Complaint Summary : Account History : I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX closed and sold the account to XXXX XXXX, which is the entity to which I now make payments. This transfer of ownership was communicated to me, and I have attached relevant documentation confirming the sale and transfer of the account. 

Inaccurate Reporting : Despite the account being sold to XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  has recently reported a XXXX late payment on my Experian credit report for XX/XX/XXXX. At the time this late payment was reported, XXXX / XXXX XXXX Bank no longer owned the debt, nor was I making payments to them. 

Dispute with Experian : I have disputed this inaccurate late payment entry with Experian. Unfortunately, Experian verified the entry as correct despite the fact that XXXX / XXXX XXXX Bank did not own the debt at the time the late payment was reported. This verification is incorrect based on the documentation I have. 

Impact on Credit Report : The inaccurate XXXX late payment entry has caused significant harm to my credit report and score. I have always made timely payments to XXXXXXXX XXXX, as evidenced by my credit report, which reflects no late payments.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. Equifax has refused to promptly remove these fraudulent accounts. I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

My student loan is broken down into XXXX different loans. I am paying the entire amount owed in XXXX lump sum. The company is applying over payment to some of the loans and missed payments to others. I discovered this in month XXXX of repayments beginning ( I believe XX/XX/year> ). I have sent several communications along with filing several XXXX  complaints. One issue that was determined is that they have my loans broken down into two groups ( Would have been nice to have been told that when I reached out prior to reinstating student loan payments ). The closest I could get to a resolution was them telling me to put in another message through their portal to request the consolidate my loans into XXXX payment, which I did. I am not sure if they followed through on their end or not. I can tell you from my math I owe {$1300.00} a month across all loans. I have been paying that every month. They have been applying it across loans of their choosing instead of spreading it out across the XXXX loans. Because they have been screwing this up since month one and have refused to go back and fix it since I brought it to their attention in month XXXX, I am constantly getting late payment notices. What I need the company to do is go back to the first payment I made and apply it correctly across all loans and then do that for every month until my most recent payment. I then need them to correct their system so that when I make my next payment it is correctly applied across every loan and not just their selection.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (IL)

XXXX XXXX have charged and billed me for phones I ordered online but never received. Ive made police reports and XXXX XXXXXXXX claims as requested by their fraud department when the incident initially occurred. Ive also submitted claims to XXXX online as well. An unknown signature and no identification was shown when delivered as stated by the XXXX XXXX customer service representative.
Consumer complaint received 2024-09-23
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (AL)

I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life.

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (MT)

When attempting to log in, all three of the email addresses I have held for over a decade are somehow in use. When attempting to recover the accounts, the recovery methods provided are none that I have or recognize ( such as email addresses, phone numbers, etc ).

One of my email address recovery methods includes " authenticator ''. I've never set up authenticator with this company and it didn't exist when I created the email address. 

I am therefore, permanently locked out of any way to log in to this company 's website.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Today 's date is XX/XX/XXXX @ XXXX. I am currently on the phone with a Mr. Cooper representative to address the status of our request for a reasonable modification of our loan. We have made three trial payments, but as yet have not come to an agreeable, acceptable modification. We have also questioned why there are arrearages totaling $ XXXX. Please explain where this came from ... ... furthermore, modification letters revealed the interest rate is not adjustable and subject to change. WE ARE ONLY INTERESTED in a fixed rate, preferably lower than 6.85 %. 

Addition comments made via email to XXXX XXXX : I have received the documents that were included in your previous email to me. As of today, I have spoken with a supervisor in the modification/ligation area or financial assistance to help explain those documents and answer remaining questions. We have noticed there is an arrearage ( accumulations of payments ) on our loan. Could you please explain this? For informational purposes, I have included a pdf of payments that were applied to the account and deemed complete and current after our bankruptcy in XXXX. 
Further, we have questioned the interest on our loan during modification request and was told a mistake was made in offering a 3.86 interest.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-28
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. (RI)

It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there are inquiries which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for these companies to access my report.
Consumer complaint received 2024-09-27
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
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. (LA)

I discovered some errors in my credit report that violate 15 USC 16c-2. These inaccuracies are harming my credit, and the inquiries were made without my authorization.