davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (CA)

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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-02-06
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. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I am submitting a complaint of the utmost severity regarding Navy Federal Credit Union 's ( NFCU ) repeated and willful misconduct. My experience since XXXX reflects a pattern of deceptive practices, contractual breaches, and a blatant disregard for consumer protection laws. NFCU has conducted itself in a manner that demands immediate CFPB scrutiny, enforcement action, and consumer restitution. 

In XX/XX/XXXX, I was alerted by XXXX to an unauthorized change to my NFCU account number. Subsequent conditional acceptance offer letters sent to NFCU in XX/XX/XXXX, requesting crucial financial documentation and verification of the alleged debt, were met with a concerning silence, indicating a refusal to validate their claims as per U.C.C. ARTICLE 3 3-301. 

My efforts to obtain a verified debt through NFCU 's attorneys in XX/XX/XXXX were equally fruitless. The absence of a response to my cease and desist and consultation fee letters underscores NFCU 's evasion of accountability. Following their failure to provide the requested general ledger, NFCU initiated an unsubstantiated lawsuit against me in XX/XX/XXXX, further compounding their misconduct. 

My extensive efforts to obtain transparency through FOIA requests to various officials and forensic audit requests to NFCU leadership have been systematically ignored. This egregious non-compliance includes NFCU 's refusal to produce evidence of the original promissory note 's status and the trajectory of funds within their control. 

Most alarmingly, a forensic accountant revealed that NFCU sold my debt to XXXX, a transaction shrouded in opacity. Additionally, NFCU has unilaterally modified contracts and failed to provide these updates, a direct violation of the terms outlined in their XXXX contract. 

The documents I demand, which include Prospectus and Prospectus Supplements, Assignments of Receivable, and Registration Statements, are not only my right to obtain but are also pivotal in shedding light on NFCUs questionable investment methodologies, the transfer of debt ownership, and their public disclosures to regulatory bodies. 

NFCU 's actions have not only inflicted financial harm but also caused significant distress, for which I seek restitution. Their behavior is a flagrant affront to consumer trust and the regulatory framework designed to protect us. 

I implore the CFPB to : Conduct a rigorous investigation into NFCUs unethical practices. 
Enforce the production of all documents necessary to validate NFCU 's claims and transactions. 
Hold NFCU accountable for any and all violations of consumer protection laws. 
Mandate compensation for the damages and suffering caused by NFCUs prolonged malpractice. 
The evidence of NFCUs malfeasance is undeniable, and I trust that the CFPB will act with the gravity and urgency such injustice warrants.
Consumer complaint received 2024-07-30
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. (WA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-02-04
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)

XX/XX/year> I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Consumer complaint received 2024-02-04
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)

XX/XX/year>XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

In XXXX, I received a call from a lady wanting to discuss a debt. I informed the lady I do not verify information over the phone, for her to send all information via mail. She stated that she would just contact my employer and hung up. I called the number back and spoke with a person claiming to be the office manager. She would not give me the name of the company but said she was an attorneys office conducting business as collections XXXX in South Carolina. I made several calls back until the phony number ( XXXX ) was removed. I never received any information from the collection agency, but, on XX/XX/2024 I was notified by XXXX XXXX that LVNV funding had placed a negative account on my XXXX for {$750.00} with them lvnv named as original creditor with account open XXXX XXXX. I have never received any information from this company or have not done any business with their company.
Consumer complaint received 2023-11-30
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: CITIBANK, N.A. (WI)

Hello! XX/XX/2023 I was billed to my credit card for XXXX for an annual subscription for {$99.00}. When signing up for an initial XXXX trial, there was no information provided nearing the end of the free trial that the subscription was in fact ending. This is against policies set forth by XXXX in their publication titled " Revised Standards for Subscription/Recurring Payments and Negative Option Billing Merchants '', which came into effect before this trial and billing occured. 

XXXX sent details to Citi card which very clearly did NOT show in their system that a notice was sent to the email listed. Furthermore they specifically excluded dates before XX/XX/2023. Based on many reviews, it is clear XXXX has made it deceptively challenging to cancel their services. Citicard did not honor this requested in a dispute, ignoring key missing information provided from XXXX, and have been unhelpful in resolving this. 

Careful analysis of various reputable sources demonstrates a clearly deceptive pattern of XXXX, most noted on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; please see attached. Additionally their XXXX XXXX XXXX XXXX further illuminates their deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please see attached.
Consumer complaint received 2023-12-19
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: MOHELA (WA)

Mohela reported my student loans to XXXX bureaus finally, but they reported them as Deferred and only included XXXX months of information out of the XXXX or XXXX  months it's been total. They were more concerned with my old original accounts reported since they actually reported them multiple times while I was waiting for the fresh reports. Their fresh reports did not reflect a single thing that I was told would happen if I enrolled into the Fresh Start program, It actually put me in a worse position than I was in when I had the collection accounts on my reports for multiple years. 

I was baited into the program using pure deception, and I would have not enrolled if I had known this was going to be the result. Everything I was thinking was going to happen was nothing but a big blatant lie directly to me over the phone. I was so happy to hear what would happen to my accounts and credit reports that I shared the wonderful news with almost everybody I know, including posting about it on multiple public Discord servers. I thought my life was finally going to get to a stage where I was able to get personal loans or business startup loans, credit accounts, pretty much all of the options the average XXXX XXXX has available. Nope, I still have absolutely no options, and now I don't even have any credit scores once again! XXXX years since I was scoreless and now I'm right back to square 1 with my non-existent financial opportunities. 

I also didn't receive any billing statement for XXXX, and I made a payment in XXXX voluntarily, yet my credit reports claim my last payment was the day before it was reported for the very first time and reported as Deferred on XX/XX/2023. 

Im going to consult with my lawyers to determine the extent of this whole thing with Mohela, and also Im going to file a lawsuit directly against the Department of Education XXXX XXXX that my accounts were transferred from, for deceptive business practices and everything else the incident falls under.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : TransUnion, XXXX and XXXX. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my Transunion credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with Transunion and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX I wrote a check to the United States Treasury for XXXX 4th quarter estimated taxes. 
In XX/XX/XXXX I received a notice that the check had not been received. Upon review the check was cashed in late XXXX XXXX  The IRS confirmed non receipt in XXXX XXXX I filed a claim in XXXX XXXX  to Chase Bank for fraud in my account, as the check was deposited in a XXXX XXXX XXXX account and was honored by Chase Bank without an endorsement. 

XXXX XXXX XXXX closed the fraudulent account in XX/XX/XXXX but has not refunded the amount to my account. Chase Bank says that XXXX XXXX is responsible ; XXXX XXXX says that Chase is responsible.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated several of my rights. 

XXXX5 U.S.C 1681 Section 602 A Clearly stated that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

I am filing a complaint on Mohela for mismanaging my student loans. I can not get through to customer service, have not been able to get an email back, or get to anybody on the phone or chat option on the website. I have messaged the company from my account and have not received any correspondence from them. I contacted them beginning of XXXX  2024 about getting my account signed up for PSLF or the option to lower my loan payment. I feel like I'm being ignored, overcharged, and not being help for either PSLF or income driven opportunities. There has been no action to help me from the company.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (WV)

I received a civil summons that I was being sued by cks prime investments llc c/o XXXX XXXX XXXX. I have NEVER received a letter or voice message from either regarding this debt to settle. Among research, cks prime investments is notorious for this. They have also broken the FDCPA by never contacting me and notifying me of legal action until the summons was served. I have only been in contact with the original debtor XXXX XXXX XXXX regarding this debt.
Consumer complaint received 2023-12-19
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: U.S. BANCORP (VA)

The CFPB today ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits at the height of the COVID-19 pandemic. 
XXXXXXXX XXXX XX/XX/2023 XXXX Views Replying to @ CFPB No file chosen consumerfinance.gov @ CFPB XXXX U.S. Bank froze tens of thousands of accounts. However, it failed to provide people a reliable and quick way to regain access. The bank also failed to provide provisional account credits, while investigating potentially unauthorized transfers. 
consumerfinance.gov @ CFPB XXXX Todays order requires U.S. Bank to pay {$5.00} XXXX to consumers harmed by its actions and to pay a {$15.00} XXXX penalty.
Consumer complaint received 2024-07-30
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. (CA)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company XXXX be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

My PPL was transferred from Great Lakes to Nelnet. The loan is in my parents name and the only account information we were given was our Nelnet ID. We cant log into the account because Nelnet says we have no account with them. Weve tried calling and have been on hold for a total of 20+ hours, emailing, and sending written mail with no response. Nelnet is predatory and unequipped to manage our loans
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (WV)

I applied for the IDR SAVE plan on the very first day the beta site launched. One payment was auto drafted once payments resumed.

Since then my loan has been placed in an administrative forbearance while Nelnet " processes my IDR application. '' I get emails every few days telling me it's still being processed. I tried calling them to get an update and the hold time was 77 minutes. This is unacceptable. It's unacceptable that months later they still haven't approved an application that was filed on the first day and it's unacceptable that you'd have to wait on hold for over an hour to speak with someone about what's taking them so long. This would never fly in the private sector. Nelnet needs investigated and likely needs to lose their ability to service student loans. My account has now accrued $ XXXX+ in interest while waiting to hear from this terrible loan servicer. Will this interest be forgiven because of their negligence? I have given them every bit of information they need. If they haven't processed my application ( one of the very first ) they likely haven't processed anyone 's application.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i