davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (GA)

I have applied for an IDR since the first week of XXXX. Since then ; I have called XXXX different times and was told to correct my application. First time was about submitting 3 months worth of pay stubs, XXXX time was stating I needed to send a letter stating how much I make ; XXXX time I was told the letter submitted was blurry and I should just verbally state to the phone rep that what I reported from my tax return was true. I was told it would take up to XXXX weeks to process. That was a month ago. I was told each time I called that it would take up to 15 days for the application to be complete. Each time I asked if it could be rushed because this process is stopping me from getting a HELOC to get some EMERGENT work done on my home. This process is causing me medical problems from stress. I am stuck and can't move forward. I can't afford to pay for the work on my own, I worked hard to raise my credit to qualify for a loan, and this is holding me back because the original paymet was more than XXXX of what I make right now.
Consumer complaint received 2023-07-26
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for 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
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

US Bank Home Mortgage stated that the payment in XXXX of XXXX  was not supposed to be counted as a late payment due to COVID-19. Furthermore, in compliance with the Fair Credit Reporting Act, this creditor has infringed upon my rights as outlined in 15 USC 1681 section 602, emphasizing my right to privacy. Additionally, according to 15 USC 1681 ( section 604a, section 2 ), it specifies that a consumer reporting agency can not provide an account without my written instructions.
Consumer complaint received 2023-10-20
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Cooper Mortgage confirmed in XXXXXXXX of XXXX that our forbearance COVID CARE grace period was extended until XXXX XXXX 
XX/XX/XXXX my husband and I were notified by our credit reports that we were delinquent and our credit scores went down over XXXX points. 
I called Cooper that day asked and they said we were no longer covered by the contract and if we wanted it changed to call our government. When I showed the images of our contract and dashboards and that his information was different than what Ive been sent he realized there was a problem and gave me their research team email. 
After further review, our accounts, our dashboards, our contract and updates through Cooper state we are protected, not delinquent, and our credit scores should not be affected. 
They sent an email that theyd look into the issuethen I was contacted by their debt collected in XXXX. I got on their chat service desk because their phone service doesnt work. She confirmed we were safe but didnt know why we are being negatively affected. She gave me a managers email which we emailed mid XXXX. We still havent heard from her. 
I got another delinquent notice XX/XX/XXXX.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
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. (SC)

This is my FURTHER Complaint about being a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove/block any items opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (AL)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX XXXX XXXX XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. 

List of Negative Accounts/ Inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see 15 U.S.C 1681 Section 602A states I have a right to privacy.

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

Three Bureau Credit Report Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ***SECURITY FREEZE : THE FOLLOWING CREDIT BUREAUS REPORT THAT YOU HAVE PLACED A SECURITY FREEZE OR LOCK ON THIS FILE. HOWEVER, THE FILE HAS BEEN DELIVERED TO YOU UNDER THE APPLICABLE EXEMPTION PROVISIONS ( PROVIDING A CONSUMER WITH A COPY OF HIS OR HER CREDIT REPORT UPON THE CONSUMER 'S REQUEST ) : XXXX Customer Statement XXXX : THE INFORMATION WITHIN MY CREDIT REPORT HAS NOT BEEN VERIFIED OR HAS NOT BEEN PERMITTED OR VERIFIED B Y ME, NOR HAVE A SIGNATURE TO BE PLACED ON YOUR CREDIT PLATFORM. PLEASE REMOVE FROM MY CREDIT REPORT WITHIN 30 CALENDAR DAYS. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR S SN. VERIFY ALL IDENTIFYING INFORMATION. 
XXXX : - XXXX : I DID NOT AUTHORIZE THIS INQUIRY
Consumer complaint received 2023-12-10
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)

I am writing to exercise my rights as a Federally Protected Consumer under the Fair Credit Reporting Act ( FCRA ) and hereby inform you that I am opting out of any and all authorization I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 USC 6802.
Consumer complaint received 2023-08-22
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. (FL)

The unverified items indicated below continue to report 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 XXXXXXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. ''
Consumer complaint received 2024-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IL)

I recently discovered that Aargon Agency has added a medical account to my credit report. Despite speaking with a representative from Aargon Agency XXXX times in XXXX and requesting validation information by mail, I have yet to receive any notices from them. Additionally, I have disputed this debt with XXXX XXXX. When I spoke to Aargon 's representative, they requested payment but did not provide validation of the debt. 
I have the right to dispute the debt ; if it is valid, I am willing to handle it with the original creditor. I had insurance during the procedure, so I wonder why I received a bill and disputed it with the hospital. Despite this, no one could explain the {$550.00} charge. 
This process appears to be unlawful. Also, the dates are incorrect. The last time I spoke with someone was in XXXX ; I asked for validation at that time, again.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I received notification with my Talbots credit card that beginning XX/XX/XXXX if we do not go to paperless billing, we will be charged {$2.00} monthly for paper billing. This seems to me to be excessive and onerous particularly for people who do not wish to do their financial transactions online. 

This was in the notification : A fee of {$2.00} per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. 

This is the link to view the notification online : https : XXXX
Consumer complaint received 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

During covid we took a forbearance with our mortgage company which was XXXX XXXX. They transferred the mortgage to carrington. I tried contacting XXXX XXXX who said they sold my loan and when carrington finally sent me a payment statement they claimed my first payment was almost XXXX. While I still was under forbearance and that it would take paying full amount to keep from foreclosure, I have tried contacting them for over a year and now they claim I now owe a payment of XXXX XXXX, to catch up my payments and offered me a modified plan to stall foreclosure and bring me current. I received it and basically they are now offering to basically refinance my mortgage at 5.875 % which is where I originally was but now its for 40 years! And its my original loan amount! XXXX how can I make payments for 15 years and they still say I owe XXXX, plus a partial claim of XXXX? However on the foreclosure documents filed with the court it states I owe XXXX! Which is what I think would be correct. So I am going to lose all my equity in my home because they claim they serviced my mortgage during the pandemic ( not doing anything ) and charge me XXXX dollars in fees?
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act XXXX Accounts : Discover, XXXX, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

15 USC 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.
Consumer complaint received 2023-08-22
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from Transunion and XXXX. 

XXXX did corrected few items from my report but no action from Transunion and XXXX. 

There is almost XXXX point credit score difference between XXXX and Transunion.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC (KY)

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX  credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NV)

On XX/XX/XXXX I received a VANILLA visa gift card from an old co worker for an amount of {$150.00}. I received the gift card and a majority of the card number was scratched off on the front. In addition, the 3 numbers for the security code were also scratched off. I tried calling vanilla customer service and there was no option to speak to a representative. The only options they gave were to activate the card or check the balance which I couldnt do because the numbers could not be read.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (NJ)

The company took advantage of me being in a desperate situation and locked me into a loan with an illegal interest rate. They want over 400 % which is not legal in the state of NJ.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XX/XX/2023. I called XXXX and asked for my file number for a bankruptcy that they are reporting to confirm that when I asked for it in XX/XX/2023 that it was the same file number that was told to me in XX/XX/2023. 

File XXXX XXXXXXXX ... ... .. That's what XXXX told me again today. 

I have my LexisNexis Consumer Disclosure Report and no bankruptcy exists in the 354 pages that is dated XXXX 


XXXX is reporting this derogatory mark public records Reference XXXX XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX. 

XX/XX/2023 I called XXXX to find out why they were reporting a bankruptcy and they said they got the information from a 3rd party agency. I reached out to XXXX through CFPB. XXXX responded that they are not reporting a bankruptcy and to maybe ask Lexis Nexis. XX/XX/2023 I called Lexis Nexis to get help locating a bankruptcy on my consumer file. The representative couldn't locate it and said to ask XXXX to give the file #. I called XXXX and they gave me File # XXXX. I called back Lexis Nexis and spoke to XXXX who told me the file # is non-existing. I then called back XXXX and they texted with me and said to dispute online and they would remove the details. I have attached the screenshot of the conversation. 


XXXX has not done anything to remove the details and the account.