davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KS)

I have been calling NelNet since XXXX to get my loan status changed from IN SCHOOL to the repayment plan I selected. XXXX of my loans are on the repayment plan but XXXX of them say I am still in school. I have been calling NelNet several times a month since XXXX trying to get them to help me after confirming with my school that they have released to the loan provider that I have graduated. on XX/XX/23 I called Nelnet and was again told by a customer service agent she could not help me and I had to call my university. I called my university to confirm they had released me and they said they had. I called NelNet again and some other customer service agent put in a " Request '' on my behalf to remove those loans from IN SCHOOL status to the repayment plan but that will take XXXX weeks. The problem is that I have a payment due with the XXXX PLAN on XX/XX/XXXX but even if I make a payment the loans that are marked as IN SCHOOL will still accrue interest even though I am no longer in school and want those on the repayment plan so there is no benefit to me making this payment. I am so frustrated at the lack of help that NelNet has provided and the inability to get things accomplished with in a timely matter. I am being punished and charged interest for something that is completely out of my control. I need HELP and I need someone that has answers or I will continue to be charged interest on top of XXXX XXXX payments which is not acceptable.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX / XXXX XXXX XXXX has misreported my mortgage with them as CLOSED to Equifax ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through Equifax, a XXXX complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to Equifax as PAID ON TIME, Unpaid Principal of {$7400.00}.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (GA)

I had my taxes deposited into my credit karma spend account. The day before the deposit my phone was shattered. So I had to get another device. 
I downloaded Credit Karma, and verified who I was, and for the most part, Im able to access Credit Karmas features I can change my number, and view all my credit information, but I am not able to access my spend account information. I should have money in my account, and I dont, and I need to check my transactions. 

So I have spent every day for the past few weeks on the phone with Credit Karma. They have made me upload documents to verify my identity over 10 times. Every response I get via email is from a different person with the same generic greeting.

I finally reached a representative the other day, who told me that there was nothing that they could do. They were not going to give me access to my account for security purposes, because I dont have a phone number with a major carrier. I have a XXXX  number, which is assigned to me I bought it But Despite all my verification, or the reason why I need to get into my account, which is honestly irrelevant because its my account and my money they dont accept VOIP numbers/prepaid numbers etc. 

I am very low income and I dont have {$160.00} a month to pay for a major carrier. But I still tried to humor credit karma, and I tried to get phone service through XXXX XXXX XXXX. 
( this is part of the reason why I need to check my transactions- Im now out of {$400.00} & after XXXX canceled orders from XXXX XXXX XXXX I still dont have a phone or the refunds. And XXXX XXXX XXXX is requiring that I send them proof that the refunds have not come in, but I cant do that because I cant access my transactions ) So I asked credit karma to let me speak with a supervisor, it was the same representative that I have been speaking with who got on the phone, and presented himself as a supervisor, and again told me that, until I have a landline or cellular service through a major carrier I was out of luck And could not access my transactions, then proceeded to tell me if I had a physical card that I can access the funds But I dont have a physical card and I can not re-order one until I get an expensive phone to receive their verification code. I asked if they could just send the code to my email they refused. 
XXXX has allowed me to update my number to the number I have now. I dont understand why credit karma wont allow me to use my number. The number they have listed I have not had access to since XX/XX/2023. 

Definitely not a good business move. Theyre trying to protect my identity for security purposes, but whenever Im telling them that the money should be in there, and its not, plus verify my identity, 1000 times, and spending more time that I care to met on the phone with them trying to get this resolved With absolutely no luck is not making me want to do business with them ever again. Demanding I use a major carrier, as a requirement to access my own money is outlandish and wrong.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 ( original creditor : XXXX XXXX XXXX ) ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

On several occasions within THE LAST 2 YEARS I have filed disputes regarding an alleged account listed on my credit report that I am not familiar with. I have suffered a lot of mental Anguish and time spent to correct this situation. I am so overwhelmed and disappointed with credit reporting agencies and debt collectors failing to comply with the regulations set forth by the FCRPA.I have been denied housing ( currently homeless ), I have suffered mentally, financially, physically and emotionally. 


I contacted the furnisher listed on my report ; Resurgent Capital Services/LVNV Funding LLC via phone on XX/XX/XXXX and spoke with Rep XXXX in ref to a ( " XXXXXXXX XXXX XXXX ) acct. 
I indicated to the rep that I wanted to start the dispute process for an acct that is listed on my credit reports b/c I do not recognize the listed acct. I requested on the XX/XX/XXXX call to be sent all relevant documentations via U.S. mail and any verifications and validations which would prove/verify I owe this debt. I also requested proof to be sent that shows /proves that the collection company has the legal rights to collect on the debt. 

XX/XX/XXXX -I received in the mail what appears to be a generic or computer generated billing statement with not enough info on it and an acct summary prepared by Resurgent Capital Services on behalf of LVNV Funding LLC . 


Congress enacted FCRA " to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which isfair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information .... '' 15 U.S.C. 1681 ( b ). To guard against the use of inaccurate or arbitrary information in evaluating an individual for credit, insurance, or employment, Congress further required that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom '' a credit report relates. 15 U.S.C. 1681e ( b ) ; Act of Oct. 26, 1970, Pub. L. No. 91-508, 601, 1970 U.S.C.C.A.N. ( 84 Stat. 1130 ) 4394, 4415 ( legislative history ). A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. 15 U.S.C. 1681o. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages I am writing this complaint in hopes that others can learn from my experience.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC (UT)

Mrs. BPO is reporting a debt on my credit file they can not verify. They are reporting a {$610.00} debt for XXXX XXXX XXXX. When I called to see if this was my debt, they could not verify anything. They said they couldn't find any account under any of my information and told me I needed to go to a corporate office so they could find me and then I could pay them. I live 3 hours away from a corporate office and if I have to pay them IF I even have a debt, why is Mrs. BPO reporting? This is a violation.
Consumer complaint received 2024-05-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MORTGAGE EQUITY PARTNERS LLC (RI)

On XX/XX/XXXX I filled out an application for a mortgage for land and a house build from Mortgage Equity Partners. It got accepted and I was working with a lending officer for the pre-approval process. I was given a pre-approval on XX/XX/XXXX, which was then void due to my credit being one point lower than it needed to be. My credit went up substantially, and I was given a second pre-approval On XX/XX/XXXX. I put an offer in on the land and paid a deposit once they accepted my offer ( {$2000.00} ). Per instructions from the lending officer, I had to get quotes for every aspect of the house build. I had to hire an engineer to draw up the site plans. I also had to hire an engineer to draw up the house plans totaling around {$11000.00}. While getting all the quotes, I was still waiting for a loan breakdown, which I never received. After asking for that paperwork, all contact with this lending office went quiet. All of my realtors phone calls, emails, text messages were never answered. Finally my realtor wrote an email to the president of the company which resulted in a phone call from the president stating that. We are so sorry, your lending officer completely messed this up and you should have never been approved for this loan in the first place. Reasons being my credit wasn't where it needed to be. They have refused to give us a denial letter because they said they dont even know how to write one up since I never shouldve been approved. They tried to rectify this by telling me they would do whatever they had to do to get me the loan. Which they never did. They then sent me a text on XX/XX/XXXX stating that I needed to fill out a new loan application so that they could deny me in order for me to get my denial letter. I refuse to do so As it will damage my credit score. Since then, there has been little to no contact with this company. This is completely unprofessional and I feel this is Fraud.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX. 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 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 item 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 2023-11-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (PA)

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section six two states I have the right to privacy ( 15 USC 1681 ( section 6 4a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a late payment on a credit card account on an open end consumer credit card as late for any purpose.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

In XXXX XXXX, four fraudulent EFTs were made from my MGS savings account to an unknown external account with which I had not authorized MGS to transact business. On XX/XX/2023, I notified MGS of the EFTs. MGS recognized the error, blocked my MGS account, provided me with a new account, and informed me that the funds, other than those subject to the fraud, would be immediately transferred to my new account for my use. 
On XX/XX/XXXX, and thereafter until XX/XX/XXXX, MGS had reversed its position by inexplicably placing a hard hold on the new account and a freeze on the funds not subject to the fraud. From XX/XX/XXXX, until MGS was forced to act to correct its error on XX/XX/XXXX by the fortuitous intervention of senior Goldman Sachs management, MGS arbitrarily retained the hold and freeze of my new account, and made no substantive effort to conduct and complete an investigation within XXXX business days of the XX/XX/XXXX notice-of-error, notwithstanding the fact that MGS had all the information it needed to resolve the matter on XX/XX/XXXX and anytime thereafter. 
Multiple similar complaints regarding MGS arbitrary holds on accounts and unreasonable delays in its EFT error investigations made to the Better Business Bureau, in the past XXXX months alone, demonstrate that my negative consumer experience is apparently only one example of an unlawful pattern and practice by MGS Fraud Department ( fraud ) in dealing with its customers, when EFT issues arise. I urge the COPB to open an investigation into MGS conduct about these alleged violations of consumer protection regulations.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (KY)

I have XXXX. My XXXX got so bad I couldnt hold a job. We were late with rent. They qould charge late fee for late fees. We're it was impossible to get out of debit. I had reported on their website there was a water leak. There was damages to the floors. I have pictures saved. I have asked them a few times for an itemized bill. Never received XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

In accordance with the Fair Credit Reporting Act Discover Bank has violated my rights.


15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation (GA)

I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely PENN CREDIT, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (IL)

Chase Card Services for Southwest Rapid Rewards is trying to bypass the CAN-SPAM requirements for having unsubscribe links in their marketing emails by labeling them as " updates and information about your Chase relationship ''. I do not want messages about how I can " Earn more points on the go '' and want want to opt out, but there is no clear way to do so on the email.