davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NV)

I have a XXXX 's XXXX XXXX, I paid up {$56000.00} of car loan from the same bank in 8 months, early this year I applied for a credit card which was approved for {$2000.00}, because of the small amount I tried to ask for an increased 2-3 months later. It got denied. I just want to make sure that I am not getting discriminated because of my immigration status as being a lawful permanent resident because I do make $ XXXX a year as a Physical Therapist. Thanks
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

Company : Navient Private Student Loans XX/XX/XXXX - Submitted Student Misconduct Application XX/XX/XXXX - Sent Check in email XXXX ( no response from Navient ) XX/XX/XXXX - Sent check in email 2 ( no response from Navient ) XX/XX/XXXX - Navient response with automated message - please allow 60 days for review. 

I feel as though Navient is prolonging decision making due to the coming election and that they've had ample time to review. I was advise to check in/ submit a complaint 30 days after submission. ( The Project on Predatory Student Lending ) I also was just added/approved to the class action members of the Sweet Vs Cardona case .

The Navient loans at hand serviced the same school / time period that have been found to be fraudulent and predatory by the federal government ruling of Sweet VS Cardona, Department of Ed and Biden Administration. These parties have provided forgivness to all of my federal loans. These private loans are no different, only serviced directly through Navient and should also be forgiven. 

I would like more clear communication with non-automated responses from the company.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

I am part of the Class Action legal suit, XXXX XXXX XXXX. This suit was meant to settle the Borrowers Defense claims for many students taken advantage of by predatory lenders. My Borrowers Defense Application : XXXX was approved and I am part of the " Automatic '' approval group for the class action lawsuit. Per the suit my loans are to be forgiven, removed from credit reporting and a refund for the amounts that I had paid was to be sent to me. 

As of today 's date my loans were forgiven and my credit report is mostly clear of my student loans. However, I have not received my refund payment. I have filed a case with the Dept of Education ( Case : XXXX ) regarding my lack of refund. I have contacted the loan servicer, Sloan Servicing ( formerly Nelnet ) and I have contacted the FSA Borrowers Defense help line. The servicer and the FSA help line continue to tell me I need to speak with the other side to get my refund, but neither can provide me any information on my refund at all. 

As per the suit and relevant court transcripts, the Department of Education is claiming that 98-100 % of the automatic group has received " full relief ''. I have not received full relief.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

Chase sent me a letter in the mail on XX/XX/year> that said, " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' No account was opened with Chase, that I can tell, other than the existing credit card I have with my husband through Chase.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MN)

On XX/XX/XXXX our son lost his wallet containing his copy of our family 's USB credit card about XXXX XXXX. At XXXX he became aware and called me. At XXXX I called consumer services for the USB card. By then two charges, {$1100.00} and {$500.00}, at XXXX XXXX had been approved by USBank. USBank credited our account. XXXX opened two disputes, XXXX and XXXX. {$1700.00} is the total. In a letter dated XX/XX/XXXX by received XX/XX/XXXX, USBank wrote : " After careful review, we have verified that you have received benefit from the transaction ( XXXX ) by either receiving services and /or merchandise from the merchants... You have a right to receive copies of the documentation used during this research. Please contact us if you would like this documentation. '' On XX/XX/XXXX we uploaded additional documentation. We asked for their documentation. USB requested we resend our documentation, this time by mail. We did. On XX/XX/XXXX we asked USB to acknowledge our documentation and provide copies of their research. No documentation has been forthcoming. The charges totaling {$1700.00} have not been reversed. Our billing due date is XXXX.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-11-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

On XX/XX/year> I reviewed a notification from my credit report stating I had a balance of {$370.00} from Jefferson Capital System. I have never had an account with them, I tried to dispute and they did not remove it Im not sure where this debt collector is from.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

XX/XX/year> I took my car into XXXX dealership to sell my car. I provided the dealership with the payoff amount. XX/XX/year> the bank reflected on my account that the balance was paid off and closed. I then took that information and reported it to the credit bureau and XX/XX/year> they said the disputes had been opened. I received a email from XXXX saying that the information will remain on the account. This information is inaccurate and should reflect the correct information that the account is paid and closed.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dear CFPB, I am reaching out in desperation regarding the bankruptcy on my credit report, which has made it impossible for me to secure housing. Despite having taken steps to move forward, this bankruptcy continues to haunt me, blocking every attempt I make to find a place to live. 

Each rejection I face due to this single mark on my credit report feels like a blow, deepening my sense of hopelessness. I feel trapped, with no way to escape the shadow of this financial mistake. This situation has left me feeling overwhelmed and defeated, as I can not find stable housing due to this bankruptcy. 

I urgently ask for your help in reviewing my case and determining if there is any way to mitigate the impact of this bankruptcy. My ability to find a safe and stable home depends on it. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-11-02
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: Bread Financial Holdings, Inc. (MD)

Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

On XX/XX/XXXX Honda Financial Services ( HFS ) agreed to withdraw one late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching one of the three bureaus report as they all show the same payment reported as late.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

informed Jefferson Capital Systems , LLC approximately XXXX days ago this was a fraudulent account and a fraudulent attempt to collect from me... ..over 7 years ago informed/disputed all three bureaus of fraud involving XXXX account... all three removed XXXX XXXX, XXXX and XXXX ) info from reports... .now out the blue fraudulent account has returned
Consumer complaint received 2024-08-20
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. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Portfolio Recovery Service attempted to collect a debt from me. I was an authorized user ( without my knowledge ) on my mother 's XXXX credit card. She passed away a year ago, and the card has not been used since then. I am not the executor of her estate. 
I informed Portfolio Recovery Service and asked them to provide me anything from XXXX showing I was responsible for the debt. 
They did not respond to my request. They then reported the collection account to all the credit reporting agencies.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

Formal complaint regarding harassment, Hidden Loan Terms, and Unexplained Fees. I have serious concerns and dissatisfaction with the practices used by One Main Financial in processing my loan. Pay off loan current due amount versus pay off amount with hidden forbearance fees. I experienced persistent phone harassment from One Main representatives, which pressured me into agreeing to a loan I felt forced into accepting. Told by branch manager ( XXXX XXXX ), location that they we're doing me a favor by helping me out. Once I entered into this agreement, I learned of critical loan terms, including the forbearance structure, which were hidden from me. I am also facing a significant amount of unexplained interest fees that i was not aware would be applied after paying what I understood to be the final balance. When I agreed to the loan under the stress of constant phone calls, I did so under the assumption that all terms and fees would be transparently disclosed. Unfortunately, it was only after paying what was communicated to me as the remaining balance that I was informed of XXXX in additional interest fees. This practice, coupled with the hidden forbearance structure, feels deceptive and predatory.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: I.C. System, Inc. (CA)

Since XXXX, I informed that someone used my name at the address XXXX XXXX XXXX XXXX i never lived there. I trued disconnecting the service and technician stated i am under contract. 
And must go to the property, i told them for my own safety, i am not comfortable, i just left it like that. Then now i am collection. I tried disputing sold by XXXX to another debt collector XXXX XXXX XXXX I explained again stated that it was sold to them and i had to pay. And i also tried letting them know why they kept selling my info to different companies. This is not my bill. If its my bill i will pay.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NE)

On XX/XX/XXXX, while I was at work, I received a text message stating it was chime notifying me of an attempted purchase on my account for XXXX in the amount of {$390.00}. I have received these types of text messages from Chime in the past I was asked to reply yes or no if it was me or not, I responded no. I received what looked like an automated response that they were going to contact me. I received a call, the person sounded legit and stated he was with Chime fraud services and was stating that my account was hacked by perpetrators in XXXX, GA. He kept stating that the app and cards were accessed and that he has new cards being sent to me. He put me on hold to speak to his supervisors to make sure that my account was flagged and so that no more fraudulent transactions could take place. He told me that I needed to reset my account because they were able to get into my app. He walked me through a series of steps to reset my account, stated I needed to send the money to a new account to prevent further breeches. He stated the account number will look like a phone number and told me that the notes needed to state XXXX XXXX 1 for chime app reset as soon as he walked me through the steps to send all my money, he hung up! I immediately called chime and they stated they would investigate. The next day, I received an email stating that no error occurred and they would not be helping me. I lost all the money that I have to take care of myself and my children and I have no help from anywhere else. I saved money so I wouldnt get behind on bills and when my kids needed something, it would be there.
Consumer complaint received 2024-11-11
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. (IA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-21
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. (KY)

This notice is to inform you that TransUnion has unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that was not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiries : 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 My identity has XXXX stolen Transunion is hereby put on notice XXXX 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.
Consumer complaint received 2024-11-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I just received a wage deduction notice in the mail for a debt that was incurred in XXXX. I started my new job in XX/XX/XXXX and still on probation. the debt amount is XXXX i received this on XX/XX/XXXX. I was not aware that in the state of Illinois you can still be sued for a debt that is over XXXX year old. I have not heard anything since I moved around a lot until i moved to my new address in XXXX with my boyfriend.