davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

My student loans got transferred from Great Lakes without my consent or notice until the day of. I had XXXX in student loans as of XX/XX/XXXX. I have record proof of this through email which I've attached. After the transfer from Great Lakes to Nelnet, the number jumped to XXXX. I was not able to get documentation from Great lakes about my payment history before the transfer, as I was unaware that this was happening. When I went to check my Greatlakes account after receiving the nelnet email, my great lakes account was gone. 

My number reflected XXXX on studentloans.gov before the transfer, and after, it jumped to the number that Nelnet added. Since XX/XX/XXXX, I have paid XXXX and my student loan is showing that my balance is {$47000.00}. None of this matches any of the documentation I have. On my credit report, it matches the correct original Great lakes number of XXXX that I had left in student loans. That number matches my first email from nelnet. 

Nelnet added to my student loans, gave my incomplete payment activity from Great lakes, and won't let me talk to anyone at Great Lakes because they said it was dissolved. I can't clearly see the payments I made to Great Lakes, even though I've been consistently paying on my loans since XXXX, 14 years now. 

Also, they won't provide any statements that show my incorrect starting balance with them. I can see the payments I made to Nelnet but I can't see how it affected the alleged balance with them. 

I should only have {$35000.00} left in my student loans. 

Furthermore, I got several notifications and documentation that my loans were " paid in full '' but then it came back. A " mistake '' like this is completely unacceptable. What Nelnet has done is add to my student loans, and provided false information on several accounts. I have talked to several other people who have had the same issue with nelnet adding to their loan balance, saying their account was paid in full, and then coming back. 

Also, I have a screenshot that said my last payment was {$7800.00} on XXXX/XXXX/XXXX, when I paid XXXX  on XX/XX/XXXX. None of these numbers match up. 

I need my balance corrected, all my payment history provided to me in a clearer fashion, and statements from both nelnet and Greatlakes. For all I know, my student loan might actually be less than XXXX with all that I have paid. Please help, I'm in so much debt and have been paying consistently for years. 

Student loans.gov also says I took out more loans than I ever did after the transfer to nelnet. 

Nelnet took over Great Lakes, they have all this information. My student loan should actually be less than XXXX with all that I have paid. They added money to my principal which means I've been paying more interest than I owe. I want all the money I've paid since the transfer to be corrected, which means even though I paid XXXX since the transfer, my interest should've been less, and that amount extra needs to be taken off the principal as well.
Consumer complaint received 2024-03-29
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-16
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. (WI)

I sent dispute letters viaverified mail over XXXX  days ago regarding the unverified inquires that are on my credit report. I have not received a response from Transunion and the inaccurate items on my credit report have not been removed. 

XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX According to the Fair Credit Reporting Act, Under 15 USC 1681 ( a ) under the exclusion section number ( b ) anything that was extended or authorized from a credit card should be excluded from a consumer report.Congress defines a credit card as any card, which is under truth and lending 15 USC 1602 " ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

We sent money through Cash app to someone claiming they were puppy breeders to purchase a puppy. The man said his name was XXXX. The puppy was never sent and they have denied our request for a refund. His phone number is XXXX. The user name we sent the money to was XXXX XXXX and the account is still active, cash app has not even suspended the account.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Northern Trust Company, The (TX)

Check written on the XXXX on the XXXX Northern Trust states the signature do not match on the XXXX they remove {$55000.00} from the account and it XXXX tied up for 48hrs and counting on the XXXX I set up an external account to transfer additional funds into account to write another check on the XXXX I receive two verification deposits, but the Northern Trust companies ' site would not take them on the XXXX I try to put in the two verification deposits again and I get the same message. 
I call Northern Trust. they can not figure out what is going on and the {$55000.00} is still not credited back. So I can not take money out I can not transfer money in to write another check to complete the purchase of my home and Northern Trust can not assist.
Consumer complaint received 2023-07-11
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. (TX)

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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX Account Name : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX REFERENCE # XXXX Has violated my rights.

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

15 U.S.C 1681 section 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 2023-07-06
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. (NJ)

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Transunion keeps reporting this account it needs to be blocked and removed permanently
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-11-17
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. (MI)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

AL XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEXBANK CAPITAL, INC. (IL)

I have requested a PMI cancellation and paid for the appraisal that was ordered by Mortgage company. I have received the appraisal report that was ordered by the company and found out that it is incorrect. The gross living space ( Sq ft ) of the house is incorrect and also the comparison done against the other house is completely wrong as they are not the identical to each other in sq ft or the taxes paid. Since the compared list is wrong the value of my house was incorrectly provided as $ XXXX have a neighbor whose house is exactly the same as mine with exact sq ft and an appraisal that was done on it turned out to be {$390000.00}. This house is exactly opposite of my house. Additionally, Some recently sold Comparable Houses within the same community would be with same sq ft and tax assessed value : [ address provided in attachment ] home sale 1 Sold XX/XX/XXXX for {$390000.00} home sale 2 Sold XX/XX/XXXX for {$390000.00} home sale 3 Sold XX/XX/XXXX for {$380000.00} home sale 4 Sold XX/XX/XXXX for {$390000.00} But non of these were considered for comparison and instead were compared to the house sold in the same community with lower sq ft. I think the appraisal done on my house is inaccurate and the company that was chosen to do this was incompetent to do the job. I have done several additional upgrades to the house which did not factor into as well. I have provided all of the information and reached out to the mortgage company on this so that they can reach out to the appraisal company and try to have it corrected. But instead took a months time to review and tell me that tax valuation is considered that government does is less reliable and the formal valuation which was done incorrectly was correct and no action would be taken even after providing proofs and copy of other neighbor appraisal copy which is identical. Instead they are not taking no action or attempts to understand and resolve the issue.
Consumer complaint received 2023-05-31
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: Synovus Bank (NC)

First Progess was sent a letter of dispute via XXXX on XX/XX/2023. 
After review of my credit reports, First Progress has not marked any account as disputed as required by the FDCPA
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I attended XXXX XXXX beginning in XX/XX/2006. 

There is a lawsuit against XXXX and XXXX XXXX and it was proven that deceived students. XXXX is still on my credit as a charge off. I would like to be removed under the laws that were passed recently.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (FL)

the bank put and offer of balance transfer between XX/XX/XXXX and XX/XX/XXXX  I tuck the offer to make a balance transfer on XX/XX/XXXX of XXXX    in the terms of the offer and on the following month of XX/XX/XXXX  was charge interes for that month It only shud be XXXX of interes charge no XXXX per cent BMO Harris Bank also the bank never publish when the due date of the balance transfer end
Consumer complaint received 2023-08-30
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: REGIONS FINANCIAL CORPORATION (TN)

There are 3 hard inquiries listed and XXXX. The was a data breach with all 3 credit bureaus. I have not provided or requested a credit iniquiry from any institution. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
i have contacted all three creditor reporting companys
Consumer complaint received 2023-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of my credit.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am questioning the presence of these additional accounts they've recently added to my credit report, to which I have no knowledge. 

Accounts in questions are the following : XXXXXXXX XXXX  - Account # : XXXX XXXXXXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX 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.