davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (VA)

Upon looking at my consumer report, I observed a third party non- affiliated, student loan, debt collector illegally reporting on my consumer report without my express written consent, who I do not have a contract to obligate me to them in anyway. Previous to this there was another 3rd party debt collector non affiliate who was also reporting to my consumer report illegally, who has since been removed from my consumer report. Then out of nowhere DEPARTMENT OF EDUCATION/NELN started reporting to my consumer report. Doing my time attending college in 1998, I have never provided a wet ink signature with any company for goods and services named DEPARTMENT OF EDUCATION/NELN. This is a complete violation of my rights to privacy as a consumer, and identity theft, because they do not have my express written consent to report on my consumer report. All laws are attached with this complaint along with a affidavit.
Consumer complaint received 2020-12-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was the mortgage holder for the commercial property owned by XXXX XXXX, a company I held the majority share in. We sold the property and BoA had released the lien and escrow had been closed. Then on XX/XX/2020, BoA charged XXXX XXXX termination penalty fee of {$95000.00} without my consent. Additionally, on XX/XX/2020, BoA locked me out of access to both my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX accounts per a minority shareholders request without any official approval from the companies meeting minutes, etc.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have made several attempts to have an account removed from my credit report with Experian because it contains inaccurate information and charges that were disputed with XXXX XXXX XXXX who refused to credit items I never signed off on those purchases with my own signature. 

XXXX XXXX began to allow charges from XXXX XXXX XXXX without my consent even after disputing the items. 

XXXX XXXX received a payments in the amount of {$840.00} which was found on XX/XX/2018 credit card statement. XXXX XXXX would turn around and charge a late fee the next month which showed up on my credit card statement XX/XX/2018. The current due amount listed after making an advance payment should have been XXXX for the following month because the cardholder satisfied the account with paying the minimum due for more than one month and was entitled to a longer grace period that exceeds 30 days. 

All credit reporting agencies must follow the Fair Credit Reportig Act, which states inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Attached with this complaint is proof of disputed charges that XXXX XXXX XXXX failed to remove and concerns about charging late fees even when large payments were sent to the company to satisfy the account in XX/XX/2018 credit card statement.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In or around XX/XX/XXXXI contacted my loan provider. I had been working in public interest since XX/XX/XXXXwhen I graduated. My loans were consolidated inXX/XX/XXXX and the Servicer was Navient Solutions. When I heard about the public interest student loan forgiveness program inXX/XX/XXXX, I called Navient. I was told that I would qualify under my current plan but that my Servicer would change. My rate of repayment went down slightly. I was never told the term of the loan would be extended. Several years past, I made timely payments and then because I knew people were getting ready to apply for foregiveness and because may servicer was changing from XXXX  then to XXXX I called to ensure my payments were correct. This was inXX/XX/XXXX. It was due to the fact I had heard that many people were not in qualifying plans even though they believed they were. This was not the sole purpose of my inquiry. I also contact them because I was with a new employer and wanted to make sure they qualified. At this time I was told by XXXX I was not in a qualifying plan and I had never been in one to begin with. They told me both of my employers were likely to qualify but not one single payment I made would. I borrowed approximately {$110000.00} and over the last 18 years I dedicated my career to serving the public. I have paid approximately {$140000.00} over that time because of high interest rate. I still owe {$95000.00}. When I changed jobs and received the correct information I changed to a qualify plan. This was inXX/XX/XXXX. Because of the incorrect information I will have at least 9 more years to pay ( assuming this program still exists ), I will be XXXX  years old, and will have paid back over {$210000.00}. The worst case ( if the program does not continue ) I will be paying until I am XXXX  year old and the amount I will pay on my Federal Student Loans will be close to {$400000.00} when I borrowed {$100000.00}. It is unfair for the student loan companies to mislead and confuse their borrowers. Thank you
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have CLOSED accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( XXXX ) disputed and ( XXXX ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my accounts as disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2024-04-03
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. (NC)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-03
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: EQUIFAX, INC. (AR)

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. 

I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY XXXX XXXX XXXX WHO LATER PAID THEM.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MI)

My aunt used my credit information while living with me and she eventually passed away ( XXXX XXXX ) is her name because she was alway there at the house I never would see most of the mail. So she was able to open several accounts in my name, the account in question was discover months after her death, all the other account were removed but this one was sent to collections I called NCB to explain what happe ; however they would not help me, they stated if I paid a portion of the debt it would be removed from my credit. Several years later they have not removed this from my credit file, they keep telling me to allow 90 days but tears have past and it still effecting my livelihood.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (MI)

i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-04
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: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, TD Bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (CA)

XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I reported a fradulent charge against my bank in the amount of $ XXXX on XXXX The name of the merchant was shown as XXXX XXXX. According to Chase Bank the charge was made with a physical chip-enabled card and after an internal investigation, Chase has refused to reverse to fee. 

My wife has been hospitalized for almost one year and her card was in her purse at our residence all of that time. Nobody had access to her card and it has not been out of the house during that time period. 

I requested and received a phone number for the merchant and spoke to her yesterday afternoon. She indicated that she operates a massage business and her records to not show a charge of {$210.00} on XXXX 

Chase Bank says they have investigated the claim and found that the transaction was processed according to the information provided and was authorized.
Consumer complaint received 2018-04-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings (TX)

After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.
Consumer complaint received 2023-11-04
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. (MI)

i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Please remove these accounts.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (CA)

I am filing a complaint against Credit Reporting Agency Experian. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Experian to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ) and XXXX 30 day late with XXXX account. 

On XX/XX/23, a new report was pulled, I sent follow up letters to Experian and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( report attached ). 

On XX/XX/23, I sent a letter to Experian requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) All letters, certified receipts, XX/XX/23 and XX/XX/23 credit reports were sent with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Experian is still in violation. 

FYI- I sent the same packaged request to XXXX, and XXXX, XXXX XXXX  accounts were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

UPDATE TO CLAIM XXXX XXXX -- -- -UPDATE TO CLAIM XXXX XXXX EXPERIAN HAS TAKEN LONGER THAN 60 DAYS TO PERFORM ACCORDINGLY TO I THE CONSUMER AND TO THE CFPB. EXPERIAN WAS PLACED ON NOTICE THAT UNDER 15 USC 1681i AND CFPG  REGULATION THEY SHALL REMOVE ALL REQUESTED ACCOUNTS FROM MY CONSUMER REPORT FOR FAILURE TO PERFORM IN A TIMELY MANNER. AS OF TODAY EXPERIAN CONTINUES TO FURNISH ACCOUNTS ON MY CONSUMER REPORT THAT WERE REQUESTED TO BE REMOVED AND THAT MUST BE REMOVED UNDER CFPB REGULATIONS AGAINST 15 USC 1681a ( 2 ) ( i ) EXCLUSION. EXPERIANS FAILURE TO PERFORM ACCORDNGLY HAS CAUSED ME TREMENDOUSE MENTAL ANGUISH AND HAS HURT MY REPUTATION CAUSING ME TO MISS CREDIT OPPORTUNITIES LOSING MY FEDERAL RIGHT TO CREDIT ( A DIRECT VIOLATION UNDER 18 USC 242 ) AND CONFIDENCE IN THE BANKNG SYSTEM.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (MO)

On XX/XX/, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/ to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/ I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/XXXX  I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/ I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/ I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. There is no record of those funds in Missouri 's unclaimed property database.
Consumer complaint received 2023-09-27
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. (NY)

My name is XXXX 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.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.