davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MN)

Dear CFPB Leadership Team, I am the co-signer on 3 private student loans regarding my son 's ( XXXX XXXX ) attendance at XXXX XXXX College where he graduated with a XXXX XXXX XXXX   degree in 2011. Since then, my son has worked very hard to be accepted into the XXXX Department at the XXXX XXXX XXXX. 

After he graduated from XXXX XXXX, and before going back to college, he landed a full-time job and faithfully paid on his student loans for about 2 years. At some point the 3 private XXXX Bank student loans were combined into one payment. Later, there was a transfer of his accounts to XXXX XXXX. XXXX had returned to college by then and XXXX XXXX did not know he was again a student when the accounts were transferred to them. I had to plead with them to no avail about his need for deferred status while in school and eventually the MN Attorney General 's office became involved to help advocate for a student deferral and XXXX XXXX granted the deferment. Now we learn the transferred accounts have been taken over by XXXX and they want immediate payment. I pleaded XXXX 's case again with XXXX and explained that XXXX XXXX granted the student related deferment, but now XXXX phone people state that XXXX follows the original XXXX Bank arrangement and won't help XXXX with a student related deferment. The three combined payments they want is approximately {$480.00} per month. 

My son does not have that kind of money right now and neither do I. Again, he faithfully paid on his loans after graduating from XXXX XXXX. Also, it is much more difficult to secure student loans for a second XXXX XXXX degree compared to loans offered for upper level degrees which are more generous with the dollar amounts given. An XXXX XXXX degree is much too difficult to achieve when XXXX  wasn't your XXXX degree, hence my son is working for his XXXX in XXXX XXXX. 

Thank you very much for your time. I have also written again to the MN AG office and they advised it is wise to also contact your office. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (UT)

I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

Recently I pulled my credit report and saw this {$3600.00} debt that I do not owe. I tried to file dispute with XXXX and they need to reach out to the creditor, so I left voicemail and also mailed a letter to the creditor " Security Credit Service ''. I need Security Credit Service to show proof and provide evidence of this debt and remove this debt from my credit report. So far I have not receive any response from this creditor " Security Credit Service ''.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One, without any request by me, disputed an entire month 's purchases on my card ( {$6100.00} for the period XX/XX/18-XX/XX/18 ) after I had fully paid the balance. Even though the charges were disputed by an error on their part, no credit has been issued to my account as promised in the letter that notified me of all the disputed charges. 

My life, my business, etc. have been upended due to this situation. Things like my electric bill, wireless phone for each family member, XXXX XXXX, health insurance, XXXX account, XXXX account, business internet, etc. have been frozen or dropped due to the disputed charges each has received. I have had to pay most of these debts a second time by other means in order to keep my accounts working and my business running. It has been a nightmare!! A great example is my wife and daughter traveled from NY to XXXX last Thursday on tickets purchase during the time of the disputed charges. When they went to check in for their return flight on Sunday, the tickets were cancelled due to the disputed charges and we had to repurchase them at a substantial additional cost. 

I have spent more than 10 hours on the phone with Capital One trying to get to someone who can help resolve the situation. Each call I have been told that someone would call me back. I have never received a call. I have spent dozens of hours with angry businesses that I paid during that period who are irate that I charged back their payment. The situation is destroying my reputation and likely my credit score. 

At this point, Capital One has stolen {$6100.00} from me. I have paid them fully for these charges and I am now having to pay them all a second time to make the payees whole so that my life can continue. Capital One has received my {$6100.00} as a payment via wire transfer and clawed back that amount from payees through the dispute process. 

Please help!!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX*Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2020-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NJ)

This agency, Contract Callers Inc, appeared on my consumer credit report. That was the first time Ive ever heard of this agency. They did not attempt to send me any mail regarding this alleged debt prior to reporting it to the credit bureaus. After seeing it on my report, I mailed this company a letter in XX/XX/2018 requesting them to verify this debt as required by law. It is not XXXX of 2018 and they are still reporting this on my credit report and failing to remove it from my report I have also attempted to contact the credit bureaus and have them verify this debt. They also are unable to verify and continue to report.
Consumer complaint received 2023-11-21
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. (NV)

This is my formal complaint to TRANSUNION. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit profile I noticed a fraudulent account per following Experian XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX  47 % {$470.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 47 % {$470.00} XX/XX/XXXX {$1000.00} {$470.00}
Consumer complaint received 2024-05-03
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: CORELOGIC INC (LA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.
Consumer complaint received 2023-11-01
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

The credit bureaus ( XXXX XXXX, XXXX, Equifax, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint against XXXX, TransUnion and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, TransUnion has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to TransUnion 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about TransUnion 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to TransUnion, XXXX and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, 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. (TX)

XXXX Inquiry XX/XX/2018 - Transunion and XXXX is reporting - This was an unauthorized inquiry not authorized by me.
Consumer complaint received 2024-03-22
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. (GA)

I HAVE HAD AN ISSUE WITH THIS STUDENT LOAN REPORTING IN MY CREDIT REPORT THAT I NEVER TOOK OUT A LOAN FOR. EARNEST HAS BEEN REPORTING IN MY CREDIT REPORT. I FILED AN FTC COMPLAINT, A POLICE REPORT, A DISPUTE AND MULTIPLE DISPUTE LETTERS SHOWING THAT I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND THEY HAVE REFUSED TO REMOVE IT FROM MY CREDIT REPORT. PLEASE SEE ALL THE ATTACHED DOCUMENTS THAT I HAVE PROVIDED AND HELP ME REMOVE THIS ACCOUNT AS IT IS HINDERING ME FROM FURTHER PROGRESS.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XXXX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XXXX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC. (OH)

On XXXX the XXXX of XXXX my account with midland credit management was paid in full. This was an original debt with XXXX XXXX for XXXX. XXXX XXXX. It was sold to midland and paid. 
Begining XX/XX/XXXX I started calling weekly requesting a pay off letter to both companies. XXXX would state they sold to midland and midland needs to provide the letter. Midland would state they need a letter of satisfaction from XXXX. XXXX I was told by midland they had the information from XXXX and I would get a letter in 10 days by mail and the letter would upload to the document center in 3 days. I have recieved nothing and have continued calling weekly getting the same story. I have spoken to several managers all saying 10 days. 10 days have passed multiple times. XXXX, day 9 from the last call and was told a letter was sent on XX/XX/XXXX. She will issue another letter by mail and that they don't uplaod to the document center?? This is new information again. I need this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Friday XX/XX/XXXX. There are no more 10 day periods left. If I can not get it I will be unemployed from the firm. I will contact XXXX attorney if it is not here on Tuesday. I have already filed with my XXXX XXXX to speak with an attorney on this matter.