davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

My student loan was transfer from great lakes to this company NelNet The website does not work and you are not able to access your account at all. The page has constant error failures even after inputing all your information. 
Customer service phone line will not provide you with a representative to talk to. 
Tried to email customer service and they say the email volume is to large for them to respond to my email. So i have no way to access my account and pay my student loan. Payment is due in XXXX. How am I going to pay my loan and not have them absolutely ruin my credit if i have no way of accessing my loan.
Consumer complaint received 2023-09-07
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)

Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/XXXX.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (UT)

I opened a new bank account and accidently made a principle only payment with the old account. I was charged a {$20.00} return payment fee. This is my first incident and Roundpoint refused to wave the fee. This is not common practice as I have never had an issue with my previous mortgages. In addition, I am not able to reach a human when I call ( please try it yourself ), and there is no phone app, this company seems like a scam.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made a payment at the beginning of XXXX of 2023. Capital One charged me a late fee of {$28.00}. I have attached a screenshot showing that I attempted to make the payment on XX/XX/XXXX, but they still charged me the laste fee anyway. I attempted to call land resolve the issue and the rep said that if I continued to engage in free speech that he would end the call.
Consumer complaint received 2023-09-29
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: Self Financial Inc. (MA)

DEAR SELF LENDER ; CREDIT BUREAU ; XXXX XXXX XXXX XXXX XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for SELF FINANCIAL/LEAD XXXX  ACCT # XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me.

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Information Services violated the FCRA 15 1681 ( a ) ( 1 ) ( 4 ), by furnishing my credit file to lenders without my permission. I have several inquiries on my credit file, that has been recorded under my social security number, and furnished to lenders of whom I have not done any business with, or do I have account with. I am asking Transunion Information Services to remove the fraudulent inquiries from my credit file. Attached is an FTC Statement that outlines the information that is fraudulent.
Consumer complaint received 2023-09-07
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
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: Experian Information Solutions Inc. (MA)

6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Easy Finance, LLC (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 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 are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that 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 the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 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 written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states 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. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It 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 USC subsection 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 USC subsection 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, and XXXX do not maintain reasonable procedures. 12 CFR subsection 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 2022-12-13
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-04-28
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. (OH)

I submitted formal disputes with Transunion, XXXX, and XXXX in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her XXXX report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
Consumer complaint received 2023-05-08
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. (OH)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

It has come to my attention the CITI group is actively attempting to interfere with rights guaranteed by the Constitution ( 2nd Amendment ) by manipulating or denying service to certain entities or transactions that are protected by the Constitution. I do not expect CITI group, or any other financial institution to be controlling the nation 's activities through such unpatriotic and un-American behavior. I do expect CITI group to tend to the business of their business and stay out of the business of social tyranny.
Consumer complaint received 2023-09-07
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. (MS)

I XXXX XXXX pulled my consumer report on XX/XX/2023 and noticed Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy.

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA In major accordance with the Fair Credit Reporting Act. The accounts that I have listed below has disgracefully violated the Credit repair consumer rights that are legally mine via the United States Government. These accounts have violated my constitutional right ( 15 USC 1681 ) due to its invasion of my privacy and confidentiality. 

I have for a numerous amount of my time disputed these accounts via XXXX, XXXX, and Equifax : I request documentation as well from these companies stating the information that is being reported to the credit bureaus because I am not aware of these accounts nor have I received documentation. 

Charged Accounts Reported Inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HARD Inquires I do not recognize and didnt apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL INCORRECT AND SHOULD BE REMOVED I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX I ask that these incorrect addresses are removed as well
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXXI received a letter stating the bank was considering closing my account. I called the bank and spoke with a supervisor who assured me that as long as I use the card it wont close. I attempted to use the card today and was declined. I called the bank and spoke with a different supervisor who told me I was lying, I had never called the bank, And that he would not reopen my account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it. 

I do not have to provide Nexis Lexis with an identification card.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I am writing to file a formal complaint against Citizens Financial Bank regarding their lack of response and action in addressing a grave incident involving the unauthorized withdrawal of funds from my bank account via XXXX XXXX XXXX. An amount of {$11000.00} has been unlawfully transferred from my account without my consent, and the bank has shown no willingness to address this severe offense. 

On XX/XX/XXXX, I found the unauthorized activity on my bank account and immediately dialed XXXX to report the matter to the bank 's Customer Support Team representative XXXX. During the call, the representative requested relevant information and assured me that a response would be provided by email within 10 days. However, it has now been 17 days since my initial contact, and I have yet to receive any communication or email from the bank regarding the status of my case. 

In an attempt to seek clarification and progress on my case, I made another call to the bank on XX/XX/XXXX. To my astonishment, I was informed that there was no record of my case, and the representative abruptly disconnected the call without offering any assistance. It is deeply distressing to encounter such unresponsiveness and disregard for my case, especially considering the seriousness of the matter. 

As a concerned consumer, I believe it is imperative to bring this issue to your attention and request your intervention in ensuring that Citizens Financial Bank fulfills its responsibility to address this fraudulent activity promptly and appropriately. The unauthorized withdrawal of funds from my account has caused significant financial hardship, and the bank 's lack of response and action has further exacerbated the distress I am experiencing. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Citizens Financial Bank accountable for its failure to address this issue promptly. I seek your assistance in ensuring that the bank provides a comprehensive resolution, including the recovery of the funds that were illegally taken from my account. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and initiate appropriate measures to address this issue. I kindly request regular updates on the progress of the investigation and a prompt resolution to rectify the financial losses I have incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this complaint.
Consumer complaint received 2023-04-21
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. (IL)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OR)

I currently can not log into my Venmo account whatsoever. Each attempt is met with an error, as follows : XXXX Exception : Unauthorized action. 

I XXXX  this problem, and discovered that there are many other Venmo users struggling with the issue, and it has been ongoing for some of them as early as XX/XX/23. When those other users have contacted Venmo support, they have either been told nothing can be done or to try again in 24 hours. This is an inexcusable pattern that is clearly kicking the can down the road rather than addressing the consumer issue. They have not publicly reported this problem, and are not interested in helping users get access to their funds.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I recently made a complaint against company for fraudulently accepting public debt is an obligation to The United Sates. Company refused to address violations. Company also send a letter to me stating there was an unauthorized person making a complaint through the CFPB and thats suspicious. Company has my information as its law for records to be kept 5 yr min. This is proof that I received companys letter. Company should now address violations and has been sent a cease and desist letter which includes no form of communication nor furnishing any information pertaining to me to anyone without not written consent.
Consumer complaint received 2022-12-07
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (NJ)

Equifax fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.
Consumer complaint received 2018-04-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CA)

In 2017, I leased a car for XXXX. I am currently making on time payments of XXXX dollars per month. I recently lost my job and have no steady income to repay the loan. I've made on time payments up until now and will do my best to get back on track.