davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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. (CA)

While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

I am writing to file a formal complaint against Nelnet Loan Services regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by Nelnet Loan Services is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, Nelnet Loan Services is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA.

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information.

Nelnet Loan Services ' disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress.

Despite my attempts to rectify this matter directly with Nelnet Loan Services, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for Nelnet Loan Services ' actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Nelnet Loan Services. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

My loan was sold from XXXX to Nelnet in XX/XX/XXXX. The issue is that I had consolidated and sold my loans from Nelnet to XXXX several years back. When XXXX sold my loans back to Nelnet instead of treating it like a new loan they dropped it back into my closed accounts. The problem being that Nelnet failed to report my loan for almost a full year. It showed up as of XX/XX/XXXX and according to their systems and my credit report has been open since XX/XX/XXXX. When my account from XXXX was closed it was XXXX $ my current loan amount with Nelnet is XXXX XXXX
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I deposited {$11000.00} on XX/XX/XXXX, which I was wrongly told would be available for withdraw on XX/XX/XXXX. I then deposited {$10000.00} on XX/XX/XXXX, which I was told would be available for withdraw on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my funds were on hold for another 30 days. I went to check my account and it stated the hold was extended beyond the 30 day extension, to XXXX  XXXX and XXXX. I then contact the XXXX  to file a complaint, in which I am told my account has been indefinitely locked, and I can only ask for it to be unlocked on XXXX  XXXX. I contacted a different support team member, which told me there was no lock on my account, and I could withdraw on XXXX XXXX and XXXX. Thus I can not unlock my account ever, because the support team can not see the lock on my account.
Consumer complaint received 2023-06-12
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. (NY)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (OH)

I purchased a brand new XXXX XXXX XXXX on XX/XX/XXXX. I spent the year converting the XXXX into a XXXX XXXX to use for XXXX XXXX purposes. The work was completed in XX/XX/XXXX and I launched my XXXX XXXX. 

On XX/XX/XXXX the Mercedes XXXX I purchased broke down on XXXX XXXX and was sent in for recall ( Here are more details on the recall - https : XXXX ) - Mercedes knowingly sold the vehicle to me with this critical part missing. Once returned, the vehicle was damaged and needed to be repaired for a total of {$770.00}. In addition, I XXXX XXXX XXXXXXXX XXXX due to the XXXX being held at the Mercedes dealership awaiting a part to arrive for XXXX months The total amount of lost income is {$5900.00} due to me being forced to cancel her XXXX, XXXX, and XXXX bookings, which caused extreme XXXX XXXX. 

Additionally, I am requesting a credit to her financing account for the XXXX months she paid while the XXXX was in the shop and unable to be used. These payments total {$980.00}. 

I spoke to a representative from Mercedes Benz  XXXX and she agreed to reimburse me for these losses in the total amount and to date, I have not received anything. Copies of spreadsheet for income loss, and repair invoices are attached hereto for your reference. 

Demand is hereby made that Mercedes make payment of XXXX to me for damages.
Consumer complaint received 2023-12-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Freeway Funding, Inc. (TX)

Fair Debt Collection Practices Act This law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections : It prohibits debt collectors from using abusive, deceptive, and unfair practices such as : Using abusive language or making threats. 
Using the telephone to annoy you. 
Contacting you at inconvenient times or places. 
Misrepresenting themselves to you. 
Threatening a lawsuit or other action that the creditor does not intend to take. 
Collecting more from you than you owe. 
It establishes the procedure for debt collection : First, within five days after the debt collectors initial contact with you, the debt collector must send you a statement of the amount you owe the creditor, and what action you can take if you dispute owing the money. 
Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector can not make further collection efforts until it sends you proof of the debt. 
Third, the debt collector can not collect for any debt that can not be verified. 
It limits debt collector contact with third parties ( except to locate you ). 
It requires that if you owe several debts, the money you provide must be applied as you wish. 
Investment retrievers placed an acct on my credit report without my consent. Also has called multiple times during times that I'm at work I asked to be removed from their system as I do not have an acct with them. They have called and threatened me saying they are in the middle of filing a lawsuit. They are a third party agency collecting for Freeway funding and they both have an account on my credit with two different amounts and Repos. They are affecting my credit and life.
Consumer complaint received 2023-06-15
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. (SC)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX for {$9000.00} does not belong to me. Debt was sold from XXXX XXXX to XXXX XXXX XXXX and does not belong to me. Please remove from XXXX and Transunion Credit Bureaus.
Consumer complaint received 2023-12-24
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Citibank Visa is charging a 29.99 % interest rate. Which regulator is allowing this? Outrageous interest and is approaching XXXX. This needs to stop. The bank is also charging " trailing interest '' which allows them to charge additional interest after a consumer has paid the balance. Again, either the banking regulators are allowing this, or perhaps just asleep at the switch. 

Since this card is directly linked to costco, we need to understand if this high interest is benefitting costco, by making it harder for people to pay off their balance for buying food.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, XXXX, and Experian I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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. (OH)

All of these inquiries I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Hello, In XXXX I financed a XXXX XXXX XXXX XXXX ( Vin # XXXX ) with a {$3000.00} down payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX. 

With the recent and also past lawsuits that Credit Acceptance Corp. has been involved in ( according to multiple national news networks ) has made me take another look at my contract with them in XXXX. Not only did I notice my APR was at 23.99 % but there was an optional extended warranty for {$1400.00} and a optional GAP protection for {$630.00} somehow was added to the contract. Knowing that these extra useless expenses that were added, would eventually cause me to default on the loan.

I believe that C.A.C. is in violation of Wisconsin State Laws regarding " Usury '' with this contract. I will attach a copy of the contract to this complaint. And I will be providing Wisconsin XXXX Attorney General a copy also. Thank you for your time. XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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. (CO)

I've disputed a few accounts on my Experian credit report that were not reporting accurate information. I sent two letters ( one on XXXX and another on XXXX ) asking for verification and the method of verification used as the information that was reported was not correct. They have not sent any validation other than telling me that my information has been " updated ''.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  within the last 2 months have requested the removal of inquiry according to 15 u.s. code 1681XXXX nothing was removed.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I attempted to send cash internationally, XXXX refused to process the request saying they were protecting me without any claim by me to Moneygram. They have no right to interfere with my international transfers as long as they are compliant with Federal Laws. I want Moneygram 's Business license to operate terminated as a result of these denials. 

I accept all risk for my transfers.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting fraudulent information in my credit report. Ive tried to straighten this out with them and the creditors by submitting documentation validating fraud however the company doesnt comply with the law. The XXXX accounts and XXXX XXXX Bank accounts are all fraudulent.