davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

My student loan was discharged in bankruptcy nelnet is reporting to the credit bureaus that it was discharged in bankruptcy yet they send me bills and call me so I keep paying it but they are not reporting the payments to the credit bureaus. They update the trade line every month as bankrupt but do not report the payments. I have written and called nelnet and I get no response. Im worried about a negative report or that they will take some other action so I keep paying {$120.00} a month. This is extortion in my opinion and a violation of bankruptcy laws.

I filed a cfpb complaint previously about this I disbursed their response nothing was fixed and here we are 2 years later and they are still reporting wrong and extorting payments.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC (IL)

On XXXX, I contacted XXXX XXXX XXXX for payment postponement. They said only 12 months are allowed. I have used the max in XXXX. They said I have to contact a Goal Structured Solutions , Inc. Why the run around??? I would like to deal with 1 company ( XXXX ) not another 3rd party!!! Wish there were more user friendly options for postponement for private loans compared to federal loans. It's a shame you can not have student loans discharged on a XXXX XXXX  bankruptcy which I filed in XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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: JPMORGAN CHASE & CO. (NJ)

to whom XXXX concern i own a XXXX XXXX XXXX XXXX XXXX, somebody open a credit card under my name i didn't authorize it for some reason it appear on credit i filled a police report they never removed it this not fair to me and my family.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I spoke with the representative of the company, Care Credit Synchrony Bank and expressed my concerns about the late fees. I informed him that I had checked the website for the time frame for late fees to be added to the account. I had informed him that I had observed a XXXX day grace period. I also informed him that I had been informed of this when I applied for the credit card. In turn, all he stated was he couldn't remove the late fees.I also informed him that I had no problems with a few of the late fees. But, the ones that were applied before the XXXX day grace period should be removed. How could I have accumulated a bill of more than a XXXX dollars in such a short period of time? The representative had no reply. I kept asking, but received no reply. All I needed was a few simple answers to a simple question. I'm one consumer that tries to keep track of bills/ debts. I try to keep track of my finances, debts, and credit payments. I'm just trying to get some answers. The issue started in XXXX with late fees. But, was fine in XXXX. But, has continued to the present day.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (OR)

I have supplied a paid in full letter from XXXXXXXX XXXX  to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXXXXXX XXXX  letter..
Consumer complaint received 2023-11-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So I filed the first complain about bank of america not helping me file the disputes for a lot of the transactions I didn't make at all so I received a email from bank of america complain department willing to help me file this disputes and to give them a call to move forward with the help I need so I been calling and I get sent directly to voice mail haven't had the chance to speak to no one and this is too much already I have done my part of providing with everything they asked from me and I still haven't been able to file my disputes at all so who should I contact next since no one is helping me at all
Consumer complaint received 2018-05-17
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. (CA)

I have submitted disputes with Experian, and XXXX XXXX, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact? 
My credit reports from Experian and XXXX report as a charge off, not sold to anyone, only under the company XXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.
Consumer complaint received 2017-03-17
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IMMEDIATE RECOVERY GROUP, INC (PR)

My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-21
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank Credit Card decreased all credit cards limit to all three credit cards. 

I have been paying off my credit cards and had 0 issues on missed payments. 

Chase decided to lower all of my limits to my cards which causes hardship and burden against my utilization ect. 

Requesting to revert my limits back
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fay Servicing, LLC (NY)

The company responded to my dispute stating that they provided the payment history that I requested on XXXX XXXX. This is inaccurate & I will attach screenshots of what this company actually sent. Missing from what was sent ( please view attached documents ) was no data provided for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XX/XX/XXXX shows a payment of {$2200.00} & XX/XX/XXXX shows a {$100.00} payment! I NEED all of this information to verify the ACCURACY of this account as well as the payoff balance. Under the FCRA, Im entitled to complete, accurate & verifiable information. My rights to fair credit reporting are being violated. This company has very poor customer reviews & in fact are playing the same game with many other consumers. Lastly, this corrupt company is requesting from me, a complete, unabridged copy of MY credit report! I will NOT comply with this request! Every time I research their bookeeping errors & provide documentation, they change their story!
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Recovery Service Incorporated (NJ)

I have been receiving non stop calls multiple times a day and non stop emails from ARSI I dont know them or how they got my email. I clicked on their link and requested a validation of debt a week ago before the holiday. They still have not sent me validation of debt instead they keep calling me and emailing me harassing me for money
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MD)

Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Hello, I contacted Navient previously see complaint # XXXX. I attempted to call them and make arrangements several times ; however, their customer service agent or loan servicer " XXXX '' yells and talks over me, threatens, accuses me of giving Navient " bad checks. '' Its horrible, its abusive. I will not talk to him and Navient has set up when I call that he is the ONLY person that I speak to. I truly want to get this straightened out, and I have been attempting. I am attaching the letter I got from XXXX explaining that the checking account I HAD did not allow certain transactions that I was completely unaware of. That account has been closed and I have a new account. Navient was not my only error in this. So XXXX can get some help for his abusive presentation with customers. This company calls at least XXXX to 5 times a day, up until exactly XXXX, they call on Sundays too. For me to speak with XXXX?
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

For a dental service, I received a bill of XXXX $ to be paid in full to the dental provider. However, my insurance has already paid a part of the bill, amount XXXX $ to the dental provider and also mailed me a letter with all the details mentioned. I currently owe XXXX XXXX A lot of months were spent by the billing department at the dentist 's office to figure out to send the correct bill coding to my insurance. and that's why there was a delay in sorting the bill issue from my insurance company. After the insurance received the correct codes, they issued payment to them directly and sent me a letter stating the same. 

However, I never received any revised bills from the dentist 's office stating the pending amount from their end. Instead, now I am receiving repeated calls from the collection agency stating that it has been more than XXXX months since the service. They are not even acknowledging the payment made by my insurance to the provider. I emailed the debt XXXX the proof statement from my insurance clearly stating that the payment has been made to the dental provider and I owe only a part of it. Still, the debt XXXX keep calling and asking me to pay the full amount, ignoring the rest. 

The main point is neither the dental provider nor the debt XXXX are acknowledging the payments made by the insurance company, but are asking me to pay more than what I actually owe, which I would think is a fraud.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

After returning vehicle. Ally Financial says I am responsible for wear & tear, excessive mileage and acquisition fees due for a total owing {$3000.00}. For the past 3months, I keep reminding them I purchased SMART LEASE PROTECTION ( {$1000.00} ) & MVP TIRE/WHEEL PROTECTION ( {$550.00} ) and the balance due is incorrect. The last rep XXXX XXXX said she would investigate but now is never available. Today XXXX XXXX told me contact the dealership and make them send balance due.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (PA)

LVNV funding LLC HAS reported my address is XXXX XXXX XXXX XXXX I have never resided there and I have proof of reports with my mail being directed there with my authorization and me paying to fix it to the correct address Ive disputed there information and they refuse to remove it they are reporting false reports on my credit report resulting in derogatory marks and comments I would like it removed
Consumer complaint received 2023-09-01
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any bank of america credit cards or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.