davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

My XXXX student loan was originated in XXXX. I graduated from college in XXXX and began repayments on the loan which at the time had a balance of approximately {$43000.00}. When President Obama began the income sensitive repayment plan in XXXX I switched to an income sensitive repayment plan to lower my payment to an amount that I could afford. This lowered my payment to around {$310.00} per month. I paid under that plan until approximately XXXX when I was informed by Nelnet ( my student loan company at the time ) that with a {$53000.00} annual income, my monthly payment was being raised to around {$700.00}. I could not afford that and was told by Nelnet that there were no options for a lower payment and that the only thing I could do was to put my student loan into deferment for up to 60 months. My loan remained in deferment until XXXX when it was switched to an in school deferment when I went back to school for an advanced degree. After I graduated in XXXX, I received notice that my loan was going to go back into repayment, now at a balance of approximately {$55000.00}. However at that time the XXXX student loan pause had went into effect and I did not have to make any payments. In XX/XX/XXXX, when the loan pause was set to expire, I contacted Nelnet and asked what could I do to lower the payment to an amount that I could afford. I was told at that time that with an annual income of {$74000.00}, I was not eligible for any type of income sensitive payment plans, I was not eligible for public service loan forgiveness credit for the 3 years that I had worked at a non-profit housing agency and I would be receiving no credit for the 10 years that I had paid the loan prior to the income sensitive repayment plan, nor would I get credit for the time that I paid the loan under that plan until I could no longer afford the payment. I was told by Nelnet that my almost 30 year loan would be starting over from Day XXXX for another 30 years, which would mean that a loan that was originated when I was XXXX XXXX XXXX would not be paid off until I am in my XXXX. Nelnet advised that my only option would be to refinance the loan at a lower interest rate which would privatize my loan and I would lose all federal student loan protection. At that time the student loan income pause was set to expire and I was out of options. I refinanced the loan at a lower rate based on the advice that I was given by Nelnet which gave me a payment that I could afford, however it was not until after this that the federal government created more options for debt relief which now I was no longer eligible for.
Consumer complaint received 2023-11-09
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. (GA)

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 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 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I have had questions with my loan and have always been ignored or hung up on. I called numerous times regarding the loan and my original documents. Never got nothing until recently and what they sent is definitely not what I asked. For one the title on papers says XXXX XXXX XXXX XXXX XXXX  South Dakota not even close to where I purchased vehicle. I purchased on other side of the state up north at XXXX XXXX XXXX. Thats one problem then looking over what they did send me which looks like its been XXXX none amount equal and on XX/XX/XXXX. I called Capital One. Asking if I had gap insurance because I was in they told me no so I asked for refinancing to get another vehicle because my vehicle was totaled. They told me no so I did a buyer retain because I didnt think I can get another vehicle and I was gon na have to pay it off anyways come to find out that I do have gap insurance so they lied to me also not knowing that then about resending, they gave me a no clause thing, saying that I had no right to resend. My loan violated. My consumer rights left and right I told them, and it was documented for a cease, and they have contacted me since I even have a voicemail from them from today looks like fraud to me but is not real document and it definitely is not all the documents we signed and I didnt know most of the stuff until I started studying the consumer laws so now I know that the truck has been paid for and theyre double dipping truck charging interest. The truck was XXXX but they was like XXXX paper finance XXXX I had a down payment which wasnt even in there and so in the company that automatic made me use credit card to cover the down payment even though that right there shouldve avoided the contract because theyre consumer transaction no cash is supposed to be exchanged ive contacted XXXX numerous times for the same documentation I get they tell me Ill send it and they never give me anything XXXX is gon na be another one that is gon na have a complaint Ive been getting XXXX  over left and right by both XXXX the dealership and capital one, and not what I like my truck to be resend any remedy with all my money back but Id also like them all the XXXX I went through and deal with this. The money had XXXX I had paid for the new transmission because I said I didnt have the warranty which I did, all the money that I paid the money for supposedly along with you know, we all know it comes out of XXXX reserve out of my XXXX XXXX  but I want to buy a new vehicle as well and pay off the repairs of this one for all the lies and everything did, and I need to take them to court and I will they should be operating my research stuff first time theyve done anything like that couple ones been sued a lot. I definitely want anything taken off my credit report because I never been put on there because is no void contract on their end.
Consumer complaint received 2023-11-06
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. (CT)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (GA)

I applied for the GM Business Rewards Card, they approved me for a {$6000.00} spending limit but they are requesting some additional documents before finalizing my approval and sending my card. 

I have sent in the additional documentation requested, which is my state ID.
Consumer complaint received 2023-11-06
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. (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my Equifax credit report please remove immediately My XXXX accounts is reported as late
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I opened an account with XXXXXXXX XXXX XXXX Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was XXXX for 3 months and 4 months of physical therapy. They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with Transunion, XXXX and XXXX. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.
Consumer complaint received 2023-01-25
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. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.
Consumer complaint received 2023-09-04
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. (MO)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-06
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: Bread Financial Holdings, Inc. (CA)

I have 2 late payments for Comenity Bank. 
I have explained my family-death situation however, they couldn't help me. 
I was unable to purchase a home. 
I really need help removing 2 late payments.
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. (CO)

Nelnet is my student loan company. I have been trying to pay my loan off in full multiple times, but it never goes through. They never take the money out of my account. And they are so far impossible to get on the phone with an actual person, even though I am calling during business hours. I go through the whole auto system just to hear a recording that their offices are closed for the day when they should very much be open. If they don't start taking my money, interest is going to start accruing, which is completely unethical, as I am trying to make a one time payment to cover the entirety of my debt. Additionally, their website is poorly built and has more than one bug in it. 

If they fail to take my payment I will take legal action before XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and Experian and XXXX are reporting inaccurate information to XXXX XXXX 's consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX  pursuit of happiness. XXXX, Experian and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2018-06-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX  raised the price on one of the components of the service. I advised XXXX  at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX  sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( Equiafax, XXXX, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-10-19
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-11-06
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: TRIAD FINANCIAL SERVICES, INC. (IL)

After Triad financial services bought my loan there's been nothing but problems for the past 3 years. First, they tried to charge real estate taxes on a rental lot. Towards the end of the loan they doubled my payments stating everybody 's insurance insurance went up. My homeowners insurance had not gone up the entire time with triad financial. When I paid extra it was supposed to be applied to principal only and they put it in a suspense account and never applied it to principal. The last 3 months it took them over a month to apply payments that were overnighted to them. 
I paid the entire principal plus extra because of their excessive fees and they said I still owed. This took from XXXX to XXXX to inform me. I called numerous times emailed several times and to find out where my title was. 
To get rid of the loan I paid the extra {$250.00}. I paid principal in the extra amount in XXXX I paid this extra {$250.00} in XXXX because I never got my title and it is now XXXX and I still do not have my title I do not owe any money. I feel they have continually and blatantly misused escrow funds and misapplied illegally held funds that we're supposed to be applied to principal and never were. I want this to end with my title in hand.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Last year, Chase publicly advertised an offer where one could open a personal checking and savings account, meet the requirements, and receive a {$900.00} bonus. I received the offer email from Chase and opened both accounts through the email 's link on XX/XX/XXXX. 

Subsequently, I fulfilled the bonus requirements : 1. On XX/XX/XXXX, my employer deposited my paycheck into the checking account. 
2. On XX/XX/XXXX, I transferred {$15000.00} into the savings account. 

On XX/XX/XXXX, I contacted customer support and learned that the coupon code was not applied to my account, despite opening the accounts through the offer email. Unfortunately, they were unable to assist me. 

I possess the original email and coupon code as evidence. I am now reaching out to the Consumer Financial Protection Bureau ( CFPB ) for a fair resolution.
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

TransUnion is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.
Consumer complaint received 2023-09-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (TX)

This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!
Consumer complaint received 2023-01-25
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. (IL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX 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