davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Consumer complaint received 2018-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

Over the years, by Nelnet, I was guided to forbearance without a clear understanding of the consequences of interest capitalization. I was told that my loan is simple interest. Even though I am financially prudent and astute, the true meaning of interest capitalization just became clear. 

My credit score went down 50 points from XX/XX/XXXX to XX/XX/XXXX, because my student loan debt increased. When I contacted Nelnet today, XX/XX/XXXX, for the first time, interest capitalization was clearly explained. Interest capitalization is the reason my loan debt increased, and my credit score decreased by 50 points. 

Also, Nelnet lost my Loan Forgiveness application for {$17.00}, XXXX. The forgiveness process, including when the application was lost and resubmitted, took from XX/XX/XXXX until XX/XX/XXXX. Nelnet accrued and capitalized interest during the time the application was lost and while the forgiveness process completed. A Nelnet adviser said today, XX/XX/XXXX that interest accrues at {$4.00} a day so for the approximately 6 months the process took from submission, being lost, and processed the accrued interest is approximately {$830.00}. 

Furthermore, I received two almost identical letters regarding a single forbearance. One letter was dated XX/XX/XXXX and the other XX/XX/XXXX. The 1st letter said the estimated interest to accrue was {$.00}. The second letter said accrued interest was {$4900.00}. Scanned copies are attached. 

Additionally, on XX/XX/XXXX, a Nelnet adviser said that my 10 year loan repayment was {$170.00}. After checking my account today, XX/XX/XXXX, I discovered that the payment term is 233 months instead of 120 months, is {$190.00} instead of {$170.00}, and I could pay more than {$20000.00} interest on a {$25000.00} debt. 

I need to make much higher payments to avoid further interest capitalization financial damage. This appears unethical.
Consumer complaint received 2018-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018. 
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file. 
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}. 
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX  XXXX for the time before XX/XX/2018 is the time that XXXX XXXX  XXXX collect from me. 
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer. 
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received an e-mail from Bank of America on XX/XX/2023 on my personal e-mail associated with a credit card account that I have with them that my debit card for a checking account was on the way. I did not open a checking account with them. I called them on XX/XX/XXXX and told them I did not open an account. They told me it was the result of fraud and someone had called in with my social security number to set up the account and that I needed to be on alert and contact all my other banks which I did. They also closed the account. I left it at that until I came across and article by XXXX on XX/XX/XXXX stating that BOA has been fined and is paying out hundreds of millions of dollars by yht CPFB due to fraud committed by the bank for opening unauthorized accounts to make their sales numbers look better. It all clicked. The account that was opened was a checking account with a {$0.00} balance. My email address wasn't changed. My password wasn't changed. My phone number wasn't changed. My address wasn't changed. I received the debit card for the unauthorized account in the mail. There were no funds to access nor was there any way for anyone besides me to access them. Either this was the result of the dumbest criminal in the world or the bank opened the account without my authorization and lied to me about it to cover their tracks. I spent DAYS contacting banks, changing user names and passwords, setting up new email addresses, etc., all because some banker wanted to show an extra account opened. Clearly the activities they're being penalized for have not stopped.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, Equifax and XXXX have reported as recent as XX/XX/XXXX
Consumer complaint received 2023-07-16
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-12
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-07-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am involved with the Bank Of America opening accounts issue. I was never a client of bank of america ever but i did get a bank card and a checking account information. ALthough i have tried numerous times to speak to a rep about this issue i continue to get disconnected and never get a person. I am continuing to get bank statements with this service fee that is adding up. What do I do to get my settlement.
Consumer complaint received 2023-08-08
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. (MA)

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 XXXXXXXX XXXX XXXXXXXX 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 2024-03-21
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)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written XXXX unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the 3 credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within 24 hours and the account # XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC (TN)

i contacted this company or opprotunity loans XXXX about validating a debt that appeared on my credit account. 

they have yet to send me a validation letter or response to validation. 

how do i know this is my debt if i dont know or be able to look at the paperwork they submitted to credit bureau .
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NY)

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 2024-03-21
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. (FL)

I am a victim if identity theft. I have already reported this information to the credit bureaus, as well as the FTC. However, the credit bureaus have been ignoring me, and have failed to respond to me at all. It has been nearly 60 days and I know that this is illegal. Please assist me in this matter. The accounts listed in the reports that are attached to this complaint are the result of fraud and were not opened by me, the consumer.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian Information Solutions Inc. for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ). On XXXX/24, Experian allowed XXXX XXXX access to my consumer report where unauthorized inquiries were furnished without obtaining written instructions from me, thereby breaching my privacy and causing harm to my financial standing and creditworthiness.

Experian received my notice on XX/XX/year>24 and acknowledged it on XX/XX/scrub>XXXX24, confirming the removal of XXXX unauthorized inquiries from my consumer report. This acknowledgment by Experian is acquiescence and confirms their violation of 15 U.S. Code 1681b ( a ) ( 2 ) by furnishing a consumer report without my written instructions, thereby infringing upon my consumer rights.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Experian to ensure compliance with consumer protection laws and to provide restitution for the harm caused to me.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-09-26
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. (IL)

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.

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 inructions 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 2024-03-21
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. (TX)

These accounts were opened fraudulently without consent. XXXX XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. These items are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act. Thank You for your Cooperation in correcting this erroneous information on my credit report.
Consumer complaint received 2024-03-21
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-08
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. (VA)

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 2024-03-21
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)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2023-09-07
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the three reporting agencies XXXX, XXXX and Equifax to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/ and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (GA)

I begun correspondence with this company XX/XX/XXXX to validate and verify a debt collection account that was reporting to XXXX. I sent a letter by certified mail and requested any and all information they had on hand to validate the account. The company then sent back a document that did not necessarily suffice as evidence and proof of debt. I responded once more by certified mail and requested additional documentation to further prove that I am liable for this debt. They did not respond within 30 days of that letter, subsequently the account was removed from my credit report and it stopped reporting. Unfortunately, I recently ( XX/XX/XXXX ) went to check my credit report and found that this account is reporting once again. They are required to give me a five day notice before reinserting a previously deleted item and I didn't receive such notification. This item needs to removed immediately