davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet Servicing put me in a Administrative Forbearance in XX/XX/2023 as I was moving to the new XXXX plan. I still made payments for XXXX, XXXX and XXXX, however Nelnet did not correctly apply my payments towards interest and principle despite choosing a general account payment as opposed to a specific group payment. Nelnet applied very little payment to the interest, and allowed {$420.00} do accrue by XX/XX/XXXX, when I made my XXXX payment to try and pay that interest off. However, again, Nelnet applied only {$33.00} of the {$500.00} dollar payment to the interest allow more to accrue. I will include screenshots of the information. When I called them, after XXXX and XXXX hangup that caused me to have restart the process again I got contradicting stories about why this was happening. The first Customer Agent didn't know why the payments were not being applied correctly and when she tried to transfer me to more specialized support, I got hung up on. After a second call, I found out that on their end ( according to them ) the payments were only applied to specific loan groups, meaning it was not a general payment. However I never picked the per group option, so this is either an error on how the website works, or it's a behavior they don't explain. The agent stated they'll submit a technical report and after much explanation she will ask that the payment be reapplied correctly towards interest first. There is no guarantee that they will follow through as they have shown no consistency in handling this case, and based on a cursory look on XXXX, this is an ongoing problem with Nelnet and their website.
Consumer complaint received 2018-08-08
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: DISCOVER BANK (NC)

I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 680XXXX. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/XXXX, I did an online search for banks who were offering a promotional bonus to open a new checking account and came across Wells Fargo offering {$320.00}. 
XXXX XXXX XXXXXXXXXXXX  This offer is available in-branch and online and gives a {$320.00} bonus when opening a new Everyday Checking account and doing a total of {$1000.00} in direct deposits within 90 days. 

Once enrolled, I immediately updated the direct deposit with my employer to meet the qualifications above. The offer either requires you to click on a link to open online or use a bonus code at a local branch - I chose to follow the link to open online. 

First Wells Fargo tried to tell me that I had not met their promotional guidelines in a timely manner. When I proved to them that was not true, they changed their story to now telling me that I did NOT use the link on the online offer webpage. This is extremely frustrating because how can I prove that I did, other than the fact that I saved the information online? The only other way I could open this account is to go directly through their website. If I had done so, why would I jump through all of their qualifications stated on their offer to qualify for the promotional bonus?
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
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. (LA)

My name XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-16
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: Advantage Credit, Inc. (IN)

On XX/XX/XXXX I sent a demand letter to Advantage Credit because they were ask to do a credit supplement and when they called the company to correct the ignored the info given and the dates of the info. They hung up on me a number of times and are not willing to correct the wrong info.
Consumer complaint received 2023-03-14
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: EdFinancial Services (NC)

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 must not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account as open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Consumer complaint received 2024-01-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TN)

I am being abused and ignored by a debt collection agency by the name of CAINE & WEINER. more than 30 days ago, I sent CAINE & WEINER a letter requesting that CAINE & WEINER validate an alleged debt of {$150.00} in which they purchased from an insurance company called PROGRESSIVE. CAINE & WEINER received the letter on XXXX There was no response from the debt collection agency validating the debt. During the period of time the debt validation was requested, they continued to report activity on my consumer disclosure report according to what I have discovered from XXXX XXXXXXXX XXXX These behaviors are not only willfully negligent, but willfully noncompliant, abusive and violations of my federally protected rights. The FDCPA states that debt collectors who can not validate debt must cease all collection activity, otherwise, they are liable per Fair Debt Collection Practices Act 15 USC 1692k Civil liability. I am aware that the FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 in cases of noncompliance. I, XXXX XXXX, am also aware that the CFPB can not act as an attorney in this matter, but they make sure that consumers and companies get responses. I am also aware that the CFPB is one of the regulatory organizations who oversees compliance.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have requested the company to remove the following items below and equifax have refused to do so the other two credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$6900.00} Balance updated XX/XX/2023 Original balance - Account info Account number XXXX And a inquiry from XXXXXXXX XXXX  Thank you for your prompt fixing of this problem.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to submit a dispute online through my Transunion account on XX/XX/year>. When I click on start a new dispute I get an error, " We're unable to complete your request right now. '' I followed their suggested steps of logging out and logging back in, but that didn't fix the problem. I chatted with the help desk on XX/XX/year> and they suggested using XXXX and clearing my cookies/cache, but this didn't fix the problem either. The chat agent, XXXX, then disconnected the chat without further assistance being provided. I am still unable to submit a dispute online and receiving the same error message.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Please consider this as my formal complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar Mortgage approved me for a standard modification in XXXX XXXX, with payments ( {$1600.00} ) in my Trial Period Plan due in XXXX, XXXX, XXXX, and XXXX XXXX. I paid {$1600.00} on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Nationstar 's web site showed my XXXX and XXXX payments had been received. When I logged in last night to make sure XXXX 's payment had been received and correctly applied, I was shocked to see that my modification had been terminated. The explanation given was that I had not made my first payment in the Trial Period Plan or that I had requested the modification be terminated -- neither of which is true. The web page showing I had made XXXX 's and XXXX 's payments is now gone. Instead, I have a payment history showing payments I never paid, a payment reversal ( which never happened ), and a payment for more than the {$1600.00} I actually paid. 
Neither representative I spoke to today was helpful. I 'm faxing a letter and documents to Nationstar 's Research Department, but I 've dealt with the same Research Department in the past for a Qualified Written Request, which they did not fully respond to and also took far longer to respond than RESPA allows. I really need this modification and am concerned they will get around to my fax eventually but not in time to reverse the termination. I have only XXXX left in my Trial Period Plan.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 XXXX XXXX Opened A Cell Services Account & Extended Credit & Illegal Phone Services & Devices In My Name Without My Consent Inquiring On My Credit File Without Verifying & I Have Fraud Alerts Set Up & Wasn't Notified At The Time These Action Took Place I Explained To The Company I Am A Victim Of Identity Theft And Sent All Proving Documents My Consumer Rights Has Been Violated & I Shall Send A Invoice & Make My Attorney Aware Of These Items If They Aren't Removed In A Timely Manner XXXX XXXX ACCOUNT NUMBER XXXX AMOUNT : {$2000.00}
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (PA)

MARINER FINANCE, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MARINER FINANCE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MARINER FINANCE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MARINER FINANCE, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MARINER FINANCE. for the cancelled debt of { { {$4600.00} } } in order to file as ordinary income. Where is my 1099-C? MARINER FINANCE is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! MARINER FINANCE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MARINER FINANCE 'S terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of MARINER FINANCE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-03-13
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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