davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I do not have any current loans with Department of Education/Nelnet . The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and XXXX. Disputed with them many times but they have not removed Nelnet from my credit reports. I even called Nelnet using XXXX to verify that I do not have any balance or current student loans with Nelnet. The representative sent me a letter to verify that the balance is XXXX.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check on XX/XX/XXXX, {$200.00} it's was for holiday bonus in chase account the next day they freeze my account I don't know why until I call them they said they need more information for the check provider to find out after I keep calling them they said it's was no date on the check but why clear the check on XX/XX/XXXX if its no date and my check did not bounce back why restricted my account that's not fair to me. And the person that give me the check they said it's clear from their end so why all this problem I don't get it is it because I'm XXXX or what please I want more information
Consumer complaint received 2024-01-04
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: GOLDMAN SACHS BANK USA (FL)

XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a Goldman Sachs Apple Card was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted Goldman Sachs Bank on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent Apple card account, which I did.. I also sent documentation to XXXX, XXXX and XXXX. Goldman Sachs XXXX  days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. XXXX, XXXX and XXXX are not willing to fix my credit ( eliminate the Goldman Sachs Apple Card and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only XXXX XXXX is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( Goldman Sachs, XXXX, XXXX, XXXX ). 

Can't these people understand that it makes no sense for me to open a Goldman Sachs Credit Card a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Consumer complaint received 2023-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sulphur Bank Rancheria Enterprises (NJ)

This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont XXXX the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for XXXX XXXX, it says a proud member of XXXX XXXX XXXX, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXX XXXX  another text, asking for my lawyers information, and by blocking him will not save me from warrants.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

XX/XX/XXXX, XXXX Nelnet sold the debt to XXXX Loans. 

XX/XX/XXXX, XXXX Nelnet balance shows XXXX. 

Proof : XXXX ) I have a letter from Nelnet indicating there is no balance with them, yet they are still reporting a balance of over XXXX. 
XXXX is ignoring the hard documentation issued by the Nelnet. 

XXXX ) Student portal shows no balance as of XX/XX/2023. 

Disputes Resolved disputes You've previously resolved XXXX disputes with XXXX You've previously resolved 10 disputes with XXXX DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXX XXXX, the holder of my mortgage. XXXXXXXX XXXX XXXX  mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX  to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXXXXXX XXXX collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS (IL)

I am writing to dispute inaccurate information on my consumer report that is being provided by Lexis Nexis. This misinformation is hindering my ability to open a bank account, and I request its immediate removal. Additionally, I request that Lexis Nexis provide proof of the accuracy of the disputed information in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I graduated from XXXX XXXX XXXX in XXXX and started loan repayment 6 months after graduation. The repayment plan I accepted was explained to me that after 20 years of interest payments, my loan would be forgiven. I have been making payments for 13 years with the exception of XXXX. My repayment recently started up in XX/XX/XXXX. I wanted to know when my loan payment plan would end so I contacted Nelnet to get that information. I was told that my repayment plan is not what I thought it was. The payments have been going to interest only, but my loan repayment will only end once the principal is paid off. This information tells me that my loan will never be paid off because the way it is set up is that my monthly payment only goes to interest and has been for the past 13 years. I am XXXX XXXX XXXX and at this point, I would never see the loans be paid off, it would take decades to get to that point. I am currently looking for a better way to pay the loans, but I am utterly disappointed with Nelnet for not making my repayment options known to me. I would like some support or guidance in how to handle this situation. I currently owe {$31000.00}, the same amount I owed in XXXX. This is a terrible way to pay a loan and I don't understand how a financial institution can have a program such as this. I am currently unemployed and my situation seems completely wrong.
Consumer complaint received 2023-12-21
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX DEPARTMENT XXXX XXXX - XXXX ( EQUIFAX ) XXXX XXXX - XXXX ( XXXX ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX UNI THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & XXXX AND XXXX & EQUIFAX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I checked my Equifax credit report the begining of XX/XX/2023 and saw an account that was in collections for $ {$590.00} owed and the original amount was {$1300.00}. I also saw that my credit score on Equifax was horribly low around XXXX due to that collections! That account does not belong to me. I had no idea what the account was or who it belonged to. I could not see the full detailed information on the, so I had to get a full credit report to see the account was posted by a collection agency XXXX XXXX XXXX for XXXX XXXX for a medical bill for an account ending in XXXX for XXXX or XXXX XXXX. The collections had been on my credit report as a collection account since at least XX/XX/2023. It states on the collections it went into collections XX/XX/2023. I had no idea this account was on my credit report all this time, because I only check my XXXX credit report and didn't check Equifax untilXX/XX/2023. I do not have any medical bills, obligations or anything with XXXX XXXX, and the account nor the bill is mine. I contacted XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX and again several other times since telling her it is not my account and they need to remove it from my account. I was denied personal and business credit due to this collections being on my account. I had no idea. XXXX XXXX told me they would have it removed and it is still there. She sent me a letter from XXXX stating it would be removed and that is was paid. I told her I have nothing to do with that account and it should not be associated with me and my credit at all and that the letter should state it was put wrongly put on my account. The account is still on my credit report and still as a collections reported twice, in two places, on my Equifax credit report. It is illegal for them to put an account on my credit report that is not mine. Unfortunately I had to prove the account was not mine, not my responsiblity and yet they still have not removed it. This is not my account, I never signed as guarantor, never took any financial responsiblity nor did I know anything about the account bills, it going into collections nor being on my credit report. XXXX XXXX and XXXX XXXX knew the account was not my account and XXXX should have known too. I do not know how they get away with doing this. It should be against the law and they, both XXXX XXXX XXXX and XXXX, should be heavily fined.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 



Account : XXXX Account : XXXX  Removed as a collection but Shows as a closed Account on my credit file. 
Account : XXXX  XXXX Removed as a collection but Shows as closed and reports a late Account : XXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (WA)

My Ally credit card was stolen. There were charges to the card while stolen. When I realized it was stolen, I called Ally to report the card stolen and dispute the charges. The first call I made was answered and we were halfway through the report when they dropped my call. I called again, reported the theft and disputed charges. I was issued a new card, the charges were transferred to the new card, then credited back. I received a paper copy of the dispute that I responded to via fax as mail is unreliable in my area. On XX/XX/XXXX, with NO CONTACT made to me, the charges appeared again on my card. After MULTIPLE attempts to contact the credit card company, I was FINALLY able to speak with someone. They reviewed the report and said that I stated I had the card in hand, so they were denying the theft. I asked to have this re-submitted. I have heard NOTHING from the credit card company. I again tried to contact them via phone. I was on hold for over an hour when it appeared someone answered the call and immediately dropped the call. I have since emailed the fraud department to dispute these transactions amounting to {$800.00} Credit card company is Ally
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (SC)

These account and inquiries are Fraudentl. I have contacted Equifax numerous times about this fraudulent activities to be removed. Equifax have violated the fair credit reporting act accounts that are fraudulent XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX needs to be updated from payments made in XXXX thru XXXX Inquires that unauthorize XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dispute this
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Within the next 15 days, I am obligated to update my credit reports. I am forwarding this complaint to you for the purpose of inquiring about the status of my previously submitted complaint dated XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to expeditiously remove any items in the consumer 's file that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt. They are also required to eliminate any items listed on an identity theft report with the reference number # XXXX. Kindly review the items detailed in this complaint and the preceding one : -- -- -- -- -- -- -XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX