davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I have submitted a repayment application request to switch to a Standard Repayment Plan as I no longer qualify for an IBR plan. I submitted an application XXXX XXXX my account had not been updated in XXXX so I called mid XXXX to see the status of my application- they notified me that there would be a fee to switch payment plans ( which doesn't make any sense and was not noted in the application ) ; they also notified me that I should see the changes in my payment plan should be reflected in my account by the end of the month. It is now a month later in XX/XX/2024 and I still have not seen any changes in my payment plan. I called to check on the status of my application and they said they don't have it on file?! How could that be? I am now worried that I will be penalized for being on an IBR that I do not qualify for- but can not seem to get accurate information from Nelnet on how best to proceed. 

In conjunction, I am on an auto-payment plan through the provider as they said there is interest benefits for doing so. This month XX/XX/2024, they did not take the money from my account and marked my payment as delinquent. Again I would like to ask, How could that be?! In theory, I shouldn't have to log into a system to check if I paid if the payment is auto-withdrawn. When talking with customer service about both issues- they did not have any helpful information other than to say the payment would come out of my account automatically ( but clearly it did not ).
Consumer complaint received 2024-01-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (CA)

In accordance with the fair credit reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (OK)

I am needing a lien release on vehicle paid off in XXXX of XXXX, 30 days after bought. Company has merged several times. Initial loan was with Compass bank. XXXX XXXX XXXX took over XXXX. Have called XXXX  ( XXXX ), XXXX, XXXX ( XXXX ) XXXX XXXX  and finally XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ). No one I've talked too has been able to locate the lien release. All conversatioons took place between XX/XX/XXXX and XXXX XXXX. Lien issued by Compass bank, bank name changed to BBVA  USA then merged with XXXX XXXX  XXXX XXXX. Thank you for your time and attention to this matter.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY NAVY FEDERAL ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERLY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

To whom this may concern I have been dealing with navy federal bank for XXXX of last 2023 they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I have reviewed my credit report and I see several issues.. it's reporting open and reporting a balance. and also it's fraudulent. I am a XXXX vet that's trying to obtain credit. im not sure if they got it mixed up with my twin our info is very similar. social security is only one number different. not sure what happen. but I never received proof that this is accurate or the original contract from this company
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MA)

I got my SSXXXXI payment and a phone company that I had issues with and got my phone with was unable to fix them so I had to change companies. I called them several times to get them to issue me a bill so I could pay it not out of my checking account that my SSXXXXI comes into and I pay my other bills. I told that they couldn't take the XXXX out of my account and I then disputed it with the bank the bank gave me a temp credit and then they gave the phone company the whole check back. {$1100.00}. Initially it was {$60.00} a month but they couldn't hook up my phone so I had to find another carrier. I tried to talk to someone to help me not to get them to debit my who SSXXXXI check but they said there was nothing they could do.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2023-07-13
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 XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Deposited {$110000.00} 2 days ago unto a short term CD. Was given NO option on what to do after maturity. There are no options online for choices on what to do with account after maturity. 
I emailed customer service a day ago and they answered they were not set up to answer my question to call a customer service number. 
I called the customer service number today XX/XX/year> at XXXX PST. Both the customer service agent and their manager told me they could not find a way to set up my CD to close at maturity, that the product was set up to automatically renew. I caught the issue on time, but it seems I have no way to get my money released at maturity. I was told to call back at maturity, and when I asked what would change on their end they could not give an answer.
Consumer complaint received 2023-10-26
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Tansferred money via ACH from XXXX  XXXX XXXX checking account to Navy FCU checking account on XX/XX/2023 for USD XXXX. 
XXXX XXXX XXXXXXXX provided the confirmartion number and both the debit and credit trace numbers. Navy FCU claimed they could not trace the transcation in there system. it been going on bouncing between the two banking institutions. 

Asked XXXX  XXXX XXXX to track and refund the amount, When XXXX  talked to Navy, Navy claimed there was insufficient funds to warrant a refund of the same amount from the Account in Navy, yet on the other hand Navy claims the amiunt never reached? 

Form XXXX  XXXX XXXX, it shows that the money did leave the account while on the Navy FCU side there is no money.
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MA)

The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I mailed in several certified documents to Experian regarding an inaccurate bankruptcy showing on my credit report, the informed me that the gathered the information from XXXX XXXX which in NOT TRUE. I have documentation form XXXX XXXX showing that they DO NOT HAVE A BANKRUPTCY FOR ME IN THEIR SYSTEM.
Consumer complaint received 2024-01-07
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXX Status Collection account. {$740.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

This is not my debt. The company wants to collect twice on a unit. I received notice of this fraud debt when it was put on my credit. Ive never been to court or anything because I never owed. Also telling me that I can rent with them presently if I want to knowing they have debt on my collections that is not in my ownership says a lot about their business practices and ethics. I will not fall into the tactic of renting with them again. Poor management that changed nearly twice a year most likely because of misappropriation of funds and financial practice.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-01-07
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: NAVY FEDERAL CREDIT UNION (NY)

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case. Also a charge off is considered income and isnt supposed to be listed on my report of debt sold as its a certificate of indebtedness.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-10-26
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. (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 : 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 XXXXXXXX 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 2024-05-07
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. (UT)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STATE BANKSHARES, INC. (MN)

This is an update to C.F.P.B complaint XXXX. 

To quickly recap : There was forced placed homeowners insurance without any documentation. After I called and asked about this, they mentioned an email that was sent to an old email account that I do not use. This email only asked for a copy of my homeowners insurance. 

I received a letter on XXXX that was backdated as it was written XXXX and the letter 's business stamp date was backdated to XXXX. 

I will attach proof that I received this letter on XXXX. 

Bell Bank tried to cover up their mistake, by sending a back dated letter. Bell Bank XXXX have committed fraud rather than doing the legal and correct action.
Consumer complaint received 2024-01-07
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)

i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to experian on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer/individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have contacted Experian multiple times regarding an inaccurate bankruptcy that is showing on my credit report, I have asked them to please remove the inaccurate information, they replied back and said that it was verified with XXXX XXXX which IS NOT TRUE. I AM ATTACHING DOCUMENTATION FORM XXXX XXXX SHOWING TAHT THEY DO NOT AHVE A BANKRUPTCY SHOWING IN THEIR SYSTEMS.