davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I am seeking access to my account to my loan service provider, NelNet, I have tried to log into my NelNet account because my email received an invoice for loan repayment and request that they defer my loans because of my in-school status. When I tried to make an account it stated I could not do so because there was already an account set up, which I did not create. I tried to recover a username or password to log into the created account, however, when I try to recover any password or username it simply says it can't carry that request out because they do not have my contact information and that to activate my account I would have to call their general customer service hotline, XXXX. This is not true, as I have already mentioned, they have serviced an invoice to my email but are stating they don't have contact information of mine. Regardless, I can't access my account or recover my account at all. I tried to call the phone number twice within the same day, XX/XX/2023. The first call started at XXXX XXXX. and I had to end up hanging up after an hour and XXXX minutes on the phone waiting because I had classes beginning soon. I decide to call again at XXXX XXXX and this time I waited for 2 hours and 15 minutes without reaching a customer service representative. Each time I called the automated voice system stated that I would be on call for an estimated " minutes '' and it would take about or over " half an hour ''. I had to hang up because I, like many others do not have many excess hours in the day to spend waiting for a response from customer service, the egregious part is the only way I can get into my account is through their phone line and I simply can't afford to await endless hours of automated messages in the hopes of a possibility that I reach a customer service representative by the end of the business day.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

1

0 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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.
Consumer complaint received 2023-03-06
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C. (MO)

Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against Kramer and Frank PC, a debt collection law firm, for their violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a debt from me. 

Account Information : File number : XXXX Account holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Violations : - Failure to verify debt : Despite my two dispute letters, Kramer and Frank PC has failed to provide any documentation to validate the debt, including the original contract and proof of my signature. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Threats of legal action : Kramer and Frank PC has threatened to sue me without proper validation of the debt, which is a violation of the FDCPA. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved However, they have failed to respond or take any action to resolve this matter. 

I believe that Kramer and Frank PC 's actions are in violation of the FDCPA and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-13
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: JPMORGAN CHASE & CO. (NJ)

I have a chase card thats closed as a charge off. This card is fraud and most likely used without my consent. Ive disputed the company for fraud but still shows up on my report. Received letters in the mail that this account will be immediately removed. Balance of {$1100.00}. Closed in 2018
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXX XXXX XXXX # XXXX XXXX # 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 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 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (LA)

I consolidated XXXX Loans in to XXXX with my credit union, because the high instrest rate i was paying them. Check was send out on the XXXX XXXX XXXX XXXX  on the XXXX XXXX XXXX XXXX of the company loans was closed but not conns they keeping telling me the have note received the payment today is the XXXX XXXX XXXX XXXX and on there webset my payment still have not made it to them. I have delt with them before on this same issure before they will hold that check for XXXX days and conitune to get insterest off the loans. also they did not want to give me a XXXX day payoff when i call them. So this company those this on purpose.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Starting in XX/XX/2023 when federal student loan payments resumed, MOHELA debited my account an extra {$250.00} which I did not authorize. They did the same in XX/XX/2023. When I called, they had no explanation. 
In XXXX, they put my account into forbearance despite my explicit instructions not to do that. They did so because they considered the extra money that they debited an " overpayment. '' But I needed to make a payment to get XXXX credit and now I am not eligible for that month. 
I subsequently called MOHELA several times. I waited on hold for a total of over XXXX hours. Eventually I was promised a refund and it never happened. They never had any explanation for why they took my money without asking.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My student loans was sold to  XXXX  ( unbeknownst t o me ). I 'm c urrently in forebearance and will be until  XXXX / XXXX / 17 , however,  XXXX  have started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted my credit score and have caused unwanted  financial issues.  XXXX  is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I received a collection notice in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2021 for a debt that was previously paid directly to the creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$21.00} that was due on XX/XX/2021 to Minute Clinic. 

The notice referenced, This is an attempt to collect a debt. I have made several attempts to contact the company to request a copy of my XXXX balance due letter but have not received the letter in the mail. The company confirmed over the phone that my acct was at XXXX balance. Also, I informed Operator XXXX that my mailing address is the same as the mailing address that they mailed the collection letter to, ( they had the incorrect mailing address on file ). 

Since then I have tried calling the company several times and at different times of the day but I get the answering machine every time. I left a voicemail last week and have not received a call back yet or the XXXX balance due letter in the mail. I would like a copy of this letter for my records.
Consumer complaint received 2023-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (FL)

I originally set up a CD account at XXXX XXXX. It was sold to Axos in late XXXX  's. Since then it has been dormant, probably because they have an old address. I simply want to take the account out of dormant status, and update the address. I have used the chat function, and called three times now. I sent requested documentation three times now to XXXX. Everytime I call, I have to start from scratch, and no one actually does anything. In our final attempt, my husband called. They verified 4 pieces of information and kept him waiting on hold for XXXX minutes. Then the representative came back on the line and said he wouldn't speak to him any more. I don't know if this is just bad customer service, or if they are playing games with us. I don't even want to make a withdrawal. I simply want to ensure the account is not escheated to the State. Please see attached documents for my correspondence with Axos. Note : I am attaching ALL REQUESTED documents. Please do not ask for them again.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (IL)

On XX/XX/XXXX and XX/XX/XXXX Montgomery Ward accessed my credit reports without permission that is a violation pursuant to 15 USC 1681n. This has caused my score to decrease.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (LA)

Application # XXXX On or about XX/XX/XXXX I applied for a DISCOVER it Credit Card with DISCOVER. I received a denial letter on XX/XX/XXXX stating reasons I was denied ( Denial Letter Attached ). I then mailed DISCOVER an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe I was discriminated against, as I know my credit score has nothing to do with an approval. Even if DISCOVER denies me, they can still deposit the application into the Federal Reserve Bank for notes. I would like DISCOVER to understand that I am aware of how Financial Institutions do business in commerce on the private side. I understand that my signature creates the security collateral in ANY consumer credit transaction. I am aware that the term credit means the right granted by I, the original creditor, to a debtor DISCOVER to defer payment of the debt or DISCOVER to incur debt or a loan from the US Treasury and defer its payment. This makes DISCOVER ( 12 U.S.C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the consumer, came to extend credit and not receive a loan from the U.S. Treasury. DISCOVER 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by DISCOVER. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 states this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ).
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that Transunion will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-12
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. (GA)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (NE)

Company wrote me with several indicators that it was from a law firm, while implying that they were representing the current collection company for an alleged debt of {$440.00}. I also felt threatened and bullied by an ultimatum to pay by a certain date ( XX/XX/2021 ). I wrote a letter trying to validate the alleged debt, and they sent me a statement with personal medical treatments plainly visible.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (OR)

Looked at XXXX XXXX offers, One of thee offers was for Upstart. 
I previously Held a loan with them so I decided to compare their rates, they asked me to verify my income using their banking verification Plaid. I consented to this verification, they sent me offers. I wasn't Interested in any of their offers and closed the page. The following day, I received an email notifying me they have approved and were sending me a loan. I never applied or looked past the offers, this is a fraudulent loan. XX/XX/year>, they were notified immediately via email after hours on their app, XXXX They were called first thing in the morning to Tell them myself and confirm it. They sent me an email and got off the phone, Email states loan cant be canceled it has to be within the XXXXXXXX it was within that timeframe, but I didn't make this loan so why does that matter. XXXX Called back immediately and spoke with someone else, they provided falsified promissory note with an electronic signature and stated that it was mine, refusing to accept it was fraud. Stating that thee only way out of this was pay thee loan off in fullXXXX the amount they deposited + another XXXX origination fee that Didn't ever come to my bank or make the payments and spend over XXXX $ on interest on a 29 % loan I didn't apply for, got nowhere and was told he would escalate it. XXXX Contacted them again via the phone and was escalated their tech? Both the call taker and new person had no knowledge or notes of previous conversations or claims. Spoke with them explained the situation and again told they would escalate it and to wait for a phone call 24 hrs later. At this point they are trying to skirt laws and kick the can down down the path to extend the time past the legal timeframes even though they were notified several times verbally in the 24-72hr mark. I went to the bank and discussed with the bank the issue trying to have the money returned. The bank told me they are under legal obligation and face charges if they were to return it or act as if its fraud, giving them the right to verify my income and banking information allows them to deposit the money, there is no return address listed. The banks fraud department is launching an investigation but wont start for roughly 90 days, past the time they will damage my credit or effect my finances. The bank advised me not to send a money order and work with the company Upstart to handle this Directly. XXXX I mailed first class a Cease and Desist letter to the company first class mail today. Spoke with someone at the CFPB and they advised me to file a complaint, I am doing so now.
Consumer complaint received 2023-03-05
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: ALLY FINANCIAL INC. (FL)

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.