davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (PA)

XXXX, XXXX XXXXXXXX XXXX, DELAWARE CO DRS, I C SYSTEM INC, XXXX, XXXXXXXX XXXX XXXXReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

-My student loan payments were coming due on XX/XX/XXXX -I am still in school, and should have in school deferment for all of my loans until Summer of 2025 -I called my school on XX/XX/XXXX and confirmed that they had sent all of the appropriate documentation early to mid-XXXX -I called Nelnet on XX/XX/XXXX and confirmed that they had received the documentation, and it was processing. I was assured it would be taken care of before the payment was due. I have had issues with Nelnet specifically failing to process my in-school deferment in a timely manner, so I asked the rep to put in a note to ensure the deferment would be applied appropriately, and he assured me that he did. 
-I sent an email to Nelnet that same night outlining the steps that had been taken thus far and the same request - to apply the deferment across all student loans -I received an email that my in school deferment was ending soon on XX/XX/XXXX, so I called again. My in school deferment was approved, but had been inappropriately applied- they only applied it to a couple of loans, not all of them. The rep I spoke with said she would send a message to the team that handles this to get it appropriately applied. I sent an email to Nelnet, as well. 
-XXXX XXXX, nothing had been corrected or changed in any way, so I filed a complaint with federal student aid, and was assigned a case number. I outlined everything I have said here. 
XXXX XX/XX/XXXX, federal student aid said my case had been assigned to Nelnet for review, and to allow up to 10 days for a response. I waited, but continued to receive messages from Nelnet about my past due balance -XXXX XXXX, I hadn't heard anything back, so I tried calling, but was immediately told I owed money, I asked to speak to a supervisor, and was transferred to another department ( apparently ), rather than a supervisor. Their internal ombudsman were apparently out for the day, and all anyone else could tell me was that I owed money. 
-XXXX XXXX, I have called Nelnet yet again, seeking resolution. I was told I owed money, and I asked to speak with a supervisor, and was transferred to their internal ombudsman. It is XXXX days since my federal student aid complaint was sent to Nelnet, and several weeks since my first call, and MONTHS since my school sent the appropriate documentation. Yet, the ombudsman representative I spoke with said that my case had not even been assigned to anyone yet. She said she would " send in '' my information, and it had to process, but she would escalate it ( this is what I was told by the representative on XX/XX/XXXX, as well ). Allegedly, I will here back, but in the meanwhile, I am STILL being told I owe money. The ombudsman tried to claim that I changed schools, and I have been attending the same school for XXXX years -May XXXX, filing a complaint with CFPB
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (GA)

My identity has been stolen and used. I have a collection for XXXX XXXX and several inquiries that need to be deleted immediately. My identity theft report has been attached below.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a text message from XXXX ( XXXX ) XXXX that claims to be the fraud department from Wells Fargo and asked me if i schedule a transaction for XXXX for {$3000.00} to XXXX XXXX. I replied with No. A few minutes later I received a phone call from XXXX ( XXXX ) XXXX and I followed their instructions and perform a XXXX transaction of {$1400.00} to an account for XXXX. I already gave out my social security number and the transaction is made.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS has failed to provide a bilateral contract with two signatures as evidence that I agreed to paying them any debt. SLS has failed to provide evidence of any capital loss or proof of funding to any account that establishes an obligation for me to pay an alleged debt.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I had 4 student loans with Ed Financial. I have paid two off in full in the last few weeks, and I have two remaining, with a combined balance of $ XXXX. 

I went into my account to make another payment and I'm being told " I can not make a payment at this time. You currently have a XXXX $ balance ''. However, when I click on my loan details I still see two loans with a balance that are accruing interest daily. I also have my next loan payment due date of XX/XX/XXXXXXXX  that I do not want to miss because of this issue. 

I contacted Ed Financial by telephone today XX/XX/XXXX. I was told that because I applied for Borrower Defense, I am not in forbearance and unable to make a payment even if I voluntarily want to. I asked if they can help me fix this, they said no. I asked if I will re re-funded for the interest I accrue for the days I can not make payments, they said they do not know. 

I then called Borrower Defense, and they said this is untrue and that I am NOT in forbearance and that I must continue to pay. Furthermore, I'm concerned that I am not going to be able to make a payment online by XX/XX/XXXX, miss my payment deadline and hurt my credit score or get penalized in another way. 

I am extremely concerned that I am not able to make payments to my account and I need this to be fixed immediately by Ed Financial
Consumer complaint received 2024-04-04
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: AMERICAN EXPRESS COMPANY (OR)

We have disputed this amount with XXXX XXXX a rental car company charged our card even though we dropped of the car with normal wear and the rental company inspected the car in our presence upon drop off and said everything was good. This is futher information on our dispute : We rented a car in XXXX XXXX from XX/XX/year> to XX/XX/year>. We returned the car free of trash with normal wear from our travels. There was a minor amount of sand in the car from the normal use of the car in XXXX XXXX. We dropped off the car and they inspected it and said everything was good. A couple of hours later after we left I received an email saying that they were charging me a cleaning fee. Our car was returned with normal use in California- it was nowhere near excessively dirty. All car rental companies clean each car after use. They are not authorized to charge our card for any cleaning fees. The agreement does not list anything about cleaning fees for normal use- they also inspected the car upon arrival and said everything was in good condition.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (FL)

THESE ARE DUPLICATE PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I DID NOT AUTHORIZE THE INQUIRIES LIST ABOVE
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Business and Consumer Solutions. (OK)

I went into a payment agreement with the debt collection agency FBCS , Inc. The agreement was that they would automatically withdraw {$100.00} from my bank account on the first of each month until my {$1700.00} debt was paid off. I tried to contact them multiple times in XXXX to make my payment early so that I could handle other financial obligations after. No answer, no call back, no email back. I tried to contact them again in XXXX to ask for a few day extension on my payment. No answer, no call back, no email back. I tried to contact them in XXXX to see what was going on. Same thing. XXXX payment has not been taken out of my bank account. They are not holding up their end of the payment arrangement and the lack of communication makes me very uncomfortable considering they have all of my financial information. I would like to get this debt transferred to another agency.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (NY)

I trust this letter finds you well. I am writing to express my deep concern regarding a hard inquiry that persist on my credit report, as mentioned in your recent communication from the Complaint ID Your complaints XXXX.
Consumer complaint received 2024-03-29
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: Upgrade, Inc. (OK)

On XX/XX/2024, I received notification of 4 transactions totaling {$440.00}. I contacted my credit card company ( Upgrade ) the next morning to dispute the charges. They credit company reversed the charges upon review. Today, I received an email saying the dispute was declined, because I benefitted from the transactions. The credit card company then provided the information of the transactions. I called the merchant number ( XXXX XXXX XXXX  ) and they informed me that thought their merchant name and number was on the transaction info, my name and phone number had XXXX transaction history. I contacted Upgrade Credit Card again to show them the website had several complaints about fraudulent charges around the same time frame as my fraudulent charges were made. I also told them the email in the transaction history is not mine, nor have I ever seen that email. Also the purchase IP address is located in XXXX, XXXX and I do no live in XXXX. However, the credit card company said that they could not reopen the dispute.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps a record of logins into an online bank account. XXXX dollars was illegally withdrawn in wire transfers from my bank account by a XXXX XXXX. The bank has made many claims I made these transfers without proof to that fact. Which in fact I had never met or done business with a XXXX XXXX so their claims are false. The money was stolen from me and it is the banks responsibility to reimburse funds that are fraudulently taken from a consumer. If theyre werent laws and regulations protecting consumers anyone could just steal from anyone. Wells Fargo let this person take my money and is covering it up. They never opened a new account for me they refused to do business with me after I submitted a fraud case. They have still not refunded my money to me and persist to use the same letter sent to me right after my fraud case was dismissed by them as evidence to support their case this is not evidence that I made these transfers. I want a check in the mail for the money that was stolen from me immediately because the bank can not prove beyond a reasonable doubt that I made these transfers. This was fraudulent activity not me doing business with someone I never gave authorisation to use my account and transfer money from it. This was fraud and it took me a month to earn that money from my place of employment. Are you going to let this bank take advantage of hard workers?
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, Experian, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX KIKOFF LENDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account numberXXXX To Whom It May Concern : 2nd and Final Notice Notice for Validation of Debts.

Pursuant 12 CFR 1006.34 KIKOFF LENDING LLC, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XXXX Date A notice of debt validation. 
You KIKOFF LENDING LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ).

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 
The law is explicitly clear, ignorance of the law is no excuse. Your 30-day Debt validation period has ended, and you FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
I will be Sending copies of this and all correspondences to ; CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX State Attorney General ( Illinois ) Attorney General ( California and Nevada ) Federal trade Commission Legal Complaint Department Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX  XXXX DC XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Tel. XXXX Fax. XXXX You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F. 


XXXX XXXX ( All rights Reserved )
Consumer complaint received 2024-01-12
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. (SC)

I have requested do to the consumer privacy statement and the privacy act of 1974 to remove the illegal transaction history off my consumer report as the only information they have a right to report is everyday business purposes information about your transaction and experiences to affiliates not transaction history. I have a right to opt out of information of creditworthiness. Also according to the IRS publication 4681 a charged off account is a certificate of indebtness and is consider income. Income can not be reported on a consumer report.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

The XXXX sent an email to everyone last week stating that new student debt relief will be available this fall for XXXX categories of folks. We are required to notify our servicer if we want to opt out by XX/XX/XXXX. I have called my servicer Mohela XXXX times and spoken to at least XXXX people. I have been unable to opt out. I belong in XXXX of those categories of people who will have interest forgiven. However, I am also XXXX year from XXXX  forgiveness. The student debt relief that is based on the proposed rule published in the Federal Register in XXXX is taxable. XXXX is not. Because I am so close to XXXX forgiveness and I have XXXX XXXX loans and I grew up poor, my interest that is slated to be forgiven is substantial. I want to opt out of all taxable forgiveness and pursue the XXXX forgiveness - the promise of which I relied on when I pursued a XXXX XXXX. Mohela has no idea what is going on. They don't even know what I am talking about when I say " new student debt relief '' or " Biden 's new forgiveness plan '' or the " email XXXX sent out last week '' or when I describe in detail what the proposed rule says, when it was published, and when it is supposed to be finalized. I have even spoken to XXXX supervisors about it, if I remember correctly. I have spent over an hour on the phone with them. It is imperative that Mohela immediately train their customer service representatives and supervisors and that the opt out process be notification. I should not be required to train Mohela 's people.
Consumer complaint received 2024-04-03
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 ( 2 ) : 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, 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.