davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (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 Account Number:XXXX has violated my rights. Or a 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

I called Equifax on the recorded phone line XX/XX/XXXXXXXX XXXX XXXX to remove my Credit freeze temporarily until XX/XX/XXXX. They failed to do so Equifax never unfroze my credit. 

I am requesting Equifax to fully remove my credit freeze no temporarily fully remove it, and I will reapply it at my convenience
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on Experian, but XXXX shows XXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.
Consumer complaint received 2023-12-18
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. (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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I started with Nelnet in XXXX after being transferred from Great Lakes, got a welcome letter and promptly setup my account, added my current primary bank account ( which was different then what i had with Great Lakes ) and setup auto pay. For the first two months things were fine. Then suddenly on month 3 my bank account reverted to my old one. I get a notice from my old bank that I had overdrafted my account. I also made my payment early from auto pay as well so I was double charged as well. I corrected the overdraft then investigated my account at Nelnet and found my account changed without my consent to my old one. I never provided Nelnet my old bank account info and when I initially signed up it was not present on my account. I tried to reach their customer service line to be met with a 2 hour wait time, I waited the 2 hours to be hung up on without speaking to anyone. I tried emailing them requesting what happened to be met with an email that states they wouldn't respond to my email. 

For the federal government to move all our federal accounts to nelnet while nelnet has improper staffing to field questions from people who are required to pay back these loans is gross negligence. I am afraid to make any changes because of how difficult it is to even get ahold of anyone at my loan service provider for my federal student loan.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

My name is XXXX and I continued making payments on my federal student loans during the COVID pandemic. On XX/XX/XXXX I paid off {$65000.00} in student loans ( see Attachment A ). As a result, I brought my federal student loan balance down to {$6100.00} and only had one subsidized student loan from the XXXX XXXX XXXX remaining ( see attachment B ). In XXXX, my student loans were transferred from XXXX XXXX to MOHELA. On XX/XX/XXXX XXXX XXXX announced his Administration was forgiving up to {$10000.00} of federal student debt per borrower. On XX/XX/XXXX I received notification from MOHELA that my account balance was still {$6100.00} ( see Attachment C ). 

I called MOHELA on XX/XX/XXXX and requested over the phone that I receive a {$3800.00} refund for student loan payments I made during the COVID pandemic. Furthermore, I followed up with MOHELA and received confirmation on XX/XX/XXXX that my refund request was processed ( see Attachment D and XXXX ). 

On XX/XX/XXXX I logged into my MOHELA account and saw that my account balance had increased from {$6100.00} to {$100000.00} ( see Attachments F and G ). I spoke with MOHELA over the phone on XX/XX/XXXX and even though I only requested a {$3800.00} refund, a customer service representative informed me that my entire federal student loan balance was reinstated on XX/XX/XXXX. I asked him when I could expect my student loan refund and he wasnt able to provide a clear answer. He also failed to provide me a tracking number as to when I would receive my refund. 

I received my student loan refund of {$87000.00} on XX/XX/XXXX which resulted in a {$11000.00} overcharge by MOHELA ( see Attachments H ). If you look at my account ( see Attachment H ) you will notice my next payment is due on XX/XX/XXXX, however I paid my student loans in full on XX/XX/XXXX ( see Attachments I and J ). On XX/XX/XXXX I received a paid in full letter from MOHELA confirming that I have paid off all my student loans ( see Attachment K ). On or around XX/XX/XXXX I received a bill via email from MOHELA claiming I owe money on a loan that was paid off last XXXX ( see Attachment L and M ). 

Im reaching out to your office because I want clarity as to when MOHELA will 1 ) correct and refund the {$11000.00} overcharge that was levied on my account and ; 2 ) stop billing me on student loans that I paid off in XX/XX/XXXX. I want to take action and resolve these missteps before MOHELA causes any further financial and emotional damage. Please dont hesitate to contact me if you have additional questions or need more information from me. Thank you! 


XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (FL)

Verisk obtained Driving Behavior Data History information without legal consent from any owner of my vehicle. I also expressly forbade XXXX and the XXXX dealer in writing from sharing my information with 3rd parties other than for vehicle registration and tax reporting purpose on a cash vehicle purchase.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (TX)

For years Ive tried to get Old Navy to stop reporting negativity on my credit and they refuse. The account has been paid off for years but they never remove themselves. They keep finding a way to stay on my credit report and every year it is suppose to be removed they find a way to stay on.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp (IL)

I disputed a judgment thats on my background with the address but doesnt show the apartment number then on the report it says apartment XXXX My id says XXXX As a consumer I have the right to dispute inaccurate information C.I XXXX C refuses to remove the judgment even though they know the information isnt accurate It is making it hard for me to have a clear background with their reporting of inaccurate information
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

I have had issues with loan care mortgage where they will not remove a name from deed/title due to the fact that I have a gifted deed instead of a quick claim deed. I have went into foreclosure because I was unable to sign the loss mitigation documents they sent me with both names on it. I have told the company multiple times over the last 8 months that I can continue with the process if they just update there side of the documents that are updated with state and county courts but they won't except it.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I am writing to formally dispute an erroneous collection entry reported on my credit report by Transworld Systems XXXX and to request its immediate removal to preserve the accuracy and integrity of my financial records. 

Upon reviewing my credit report from XXXX on XX/XX/2024, I noticed an unrecognized debt collection entry linked to Transworld Systems Inc. I have never engaged in any transaction that would justify this debt, nor have I received any communication from Transworld Systems regarding an outstanding obligation. 

My initial attempt to resolve this issue involved disputing the entry directly with XXXX on XX/XX/2024. Despite my dispute, Transworld Systems maintained that the debt was valid. Subsequently, I contacted Transworld Systems directly on XX/XX/2024 to inquire about the nature of the alleged debt. During this conversation, representatives from Transworld Systems could not provide any details regarding the origin or the substance of the debt. Moreover, they confirmed that they had never previously contacted me via mail, email, or phone concerning this debt. Additionally, I was not informed of my right to dispute this debta fundamental violation of the Fair Debt Collection Practices Act. 

Given these circumstances, it is clear that this debt does not belong on my credit report. The lack of substantiation of the debt and the failure to communicate any such debt to me prior to reporting it are grossly unfair practices. These inaccuracies are not only damaging my XXXX XXXX but are also causing significant personal distress and potential financial harm. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to facilitate the prompt removal of this inaccurate collection entry from my credit report. I don't have any documentation from Transworld systems regarding this, as they have NEVER contacted me regarding this debt, but have XXXX cases with XXXX regarding this dispute ( XXXX & XXXX ) I appreciate your immediate attention to this matter and look forward to your swift response to correct this significant error on my credit report. 

Thank you for your assistance.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2024 Me and my uncle called chase and asked could we deposit a third party check. They instructed us that we could. On XX/XX/2024 I deposited the check for {$3500.00} and my account was restricted the same day. Upon calling Chase bank I was told that check payee needed to be verified via phone number. I explained the situation where he couldnt be verified via phone and I was given a few options. I was told to bring my uncle in with a hold harmless letter and gave it notarized by a chase employee in which he did. Im now being told that that wont suffice when I was specifically called by a chase supervisor and was told this was the only way. I have been told numerous things from employees everyday I call so its so confusing!
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (AZ)

My identity was stolen. when I pulled my credit report I discovered that there was a repossession on there when I reached out to the company and advised my identity was stolen so I requested proof they refused to provide me with documentation
Consumer complaint received 2023-04-12
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. (TX)

When I investigated my updated credit report, I see that you didn't investigate some accounts because they are still erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5.00}, XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Balance : {$49000.00}, OAG CHILD SU XXXX XXXX : {$5000.00}
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our company account was randomally closed this week with over XXXX in it AND pending deposits and transfers. They then " reversed '' payments to all our financial institutions and payroll and caused closed accounts stating NSF which was not true- there is now over XXXX in that account after everything and they refuse information other than " account closing '' - I want my XXXX ASAP and they have not offered any help via chat, phone or in person. please assist
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (OH)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay the debt, the debt collector must cease all form of communication. Report to consumers credit reports are a form of communication, which is a violation of the law.

The company responded that they are not the appropriate company to address your issue, but they are showing on my credit report that I got on XXXX. So yes it is there appropriate company. This is a law as well for lying to a consumer.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IA)

Applied for discharge under the borrowers defense back in XXXX. Finally got discharged in XXXX of XXXX, have email for proof. Loan still got sent to new servicer, who sent me a discharge acknowledgment form dated XX/XX/XXXX of XXXX showing that everything had come to XXXX, everything was discharged, said I owed nothing more. They were also marked as closed on my credit account. Kept getting emails saying I needed to set up an online account with new servicer so I did bcuz I thought maybe it was just some kind of formality. When I got on there, I saw that there were documents supposedly sent & never got, These documents were talking about a repayment plan, that they repayments were going to start up again and all of my discharge loans had been put back onto my account. What's funny is one of those documents was dated XX/XX/XXXX yet on XX/XX/XXXX they sent me a discharge acknowledgment letter. This has messed up my credit and now I can not buy the house I have been living in & I'm getting evicted. My credit is XXXX bcuz of this and it's causing me a lot of monetary damage as well as emotional damage bcuz now I can't get any loans to help me get this house or any other place since this was put back on my credit report only now they say I owe an extra {$20000.00}. My original loan amount was {$57000.00}, then it got consolidated which added another {$30000.00} on there and now they're adding another {$20000.00} on there making my {$57000.00} loan come to over {$100000.00} & the company that consolidated the loans were sued because they didn't use the funds like they were supposed to & I got a {$36.00} settlement check a couple yrs ago. I have all documents for submittal.
Consumer complaint received 2024-04-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (CA)

I made external transfer from discover bank to XXXX XXXXXXXX XXXX for {$530.00} I was told on a recorded phone call it was going through. Now they are saying it didn't go through. But the funds never went back into my account my name is XXXX XXXX not XXXX XXXX
Consumer complaint received 2024-04-13
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 (NV)

I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

My debit card was compromised on Wednesday, I called pnc who told me they couldnt do anything until the charge was out of pending status. Asked for the card to be reported as fraud. The agent said the charge would be out of pending on Thursday. It was not. It was still in pending as of Friday night. I woke up this morning, Saturday, to find that charge was no longer there and a new charge for XXXX was there instead. The agent never shut my debit card off. So whoever has my information wiped my account out. No I have no money in my account. I went to a local branch this morning they told me they couldnt do anything because the charge was in pending status : called the customer line again and they preceded to apologize for the inconvenience and tell me until its out of pending they cant do anything. Now I can not pay my bills or file my taxes due to the negligence of this. As I told the supervisor today, what happens when the transaction stays in pending status for days like this one did, especially since its the weekend and the bank holds money longer. He said oh yes he didnt think of that and hes sorry there is still nothing he can do.
Consumer complaint received 2023-12-19
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. (CT)

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XX/XX/2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.