davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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: Nelnet, Inc. (NC)

I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all XXXX of my nelnet accounts and I was never late. 
Each bureau is also reporting multiple late payments for my XXXX XXXX XXXX XXXX accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX  account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (GA)

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. 

Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 USC 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 2020-03-09
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: Experian Information Solutions Inc. (TN)

I have an issue with Experian removing a debt to XXXX XXXX XXXX  from my credit report due to identity theft in early 2019 then adding it back mid to late of 2019 with no notice or explanation of debt validation.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

I am writing in regards to an account I had with Synchrony Bank/XXXX. 

I received a letter dated XX/XX/XXXX from the bank stating that I now owed an huge balance on my Synchrony Card, that had a credit limit of {$1500.00}, in the amount of over 5,600. 

On XX/XX/XXXX, the account was paid in full by a debt consolidation loan ( from XXXX XXXX XXXX XXXX ) and closed by the my credit union upon request. I received a letter in XXXX stating the account was closed. 

Fast forward to XX/XX/XXXX when I received notice that my account now had a balance of {$5600.00}. I am not sure how this is even possible on a closed account when the balance was {$0.00}. I did not make a purchase before/after the account was closed and there is no way I could afford a purchase of {$5600.00} on an account that only has a {$1000.00} credit limit. 

I attempted to contact the bank on multiple instances in XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) to no help from the bank. They stated the debt was correct and I still owed this amount. 

I do not owe this debt, but have been paying on the debt because it is listed as derogatory on my account. I am forced in a position on this account to pay on something I do not owe.
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

This past XXXX my husband called XXXX  XXXX  to inquire how much longer we had to be with them before we canceled and be penalized? I was standing in the room listening as their representative stated that we could cancel then without any penalty. He stated to package everything up and send. We did as he stated. Time has passed and now its XXXX and I receive a letter from Credence Resource Management that XXXX XXXX XXXX that I owe a huge amount ( {$230.00} ) and its delinquent. I disagree Totally!!!! I am striving every day to make my credit better and once again I hit a pitfall. We would have never canceled if he had not told us no penalty would be applied and why wait 4 months without receiving any billing statements?
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time.  Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with XXXX , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

I started going to school at XXXX College in XXXX County, IL in XXXX. When given the pitch about the college, they claimed to be able to put 98 % percent of their students into the field that they would be studying for. On top of that, they also claimed that at any time, I could return to the school for free retraining after graduation. 

It was not until I graduated that I learned that it was not an accredited school, so if I were to continue my education elsewhere, I could not use the college credits. When they attempted to put me in my field, they kept trying to put me in customer service positions, such as a XXXX  XXXX  at a XXXX  XXXX down the block from the school, or giving me tiny XXXX  jobs, for companies that I believe don't even exist, due to looking them up and nothing about said company ever appeared. An example for this was a XXXX  XXXX  for a company called 'XXXX XXXX XXXX ', I have never heard of that company before or ever since. 

When attempting to find a position in XXXX XXXX  of XXXX  XXXX, a majority of employers would simply not call me back, give me the excuse that they were still looking, but in one instance when I asked if the head of the building was in, and was given an interview on the spot. When given my resume, they proceeded to laugh at after seeing that I went to XXXX. This prompted to do some investigation and found that there were many lawsuits and even ones that were won for their criminal justice students in XXXX for the sum of XXXX XXXX dollars. 

That being said, if this was the case for the criminal justice students, shouldn't it also be the case for all the other XXXX students as they have been found to not be keeping their promises and were essentially successfully sued for it by the attorney general of Illinois at the time, XXXX XXXX. 

I feel as though I should not be held responsible for paying back the student loans as given the information above, any and all XXXX College students should of been contacted or made aware of these lawsuits and given the chance to get in on them so that they may be absolved of the debt that they were wrongly put into.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (IL)

I have mailed a dispute to Credit bureau and company I mailed out validation letter and they didnt validate proof that the accounts are mine they didnt provide proof Explaining and calculated what they say I owe. 
They didnt provide me with copys showing I agreed to pay what they say I owe. 
Dont provide statue of limitations hasnt expired. 
Show me that there license to collect in my state. 
Nor provide me with a license #. 
Nor signature on agreed contract. 
they mailed me a bill what they say I owe not valid proof
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MN)

I applied the refinance through PNC Mortgage couple months ago. The loan application was preapproved and appraisal was done. However, couple weeks later, a mail was received saying the loan was denied. I tried to call the loan agent. He never picked up my phone or return my phone call back. I attempted to call multiply times to try to explain that some of the information that showing in the application was not correct during the application process and after the I received the mail. No responses. And the problem of insufficient income causing the loan to be rejected was never communicated to me before the appraisal appointment was set and after the loan denial. I wasted around 700 dollars for a non useful appraisal.
Consumer complaint received 2020-03-17
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: CrossCountry Mortgage LLC (MA)

My husband and I refinanced our mortgage in XX/XX/XXXX with Cross Country. Since then, we decided to refinance with a small bank on XX/XX/XXXX but this time to take money out. 

When going through the refinance process with the new bank, Cross Country wanted to compete with the rate both me and my husband were offered by the small bank. Cross Country did not want to lose us as customers. We sent them the rate information we received from the small bank to see what they could counter. Cross Country said they could beat the rate we were offered ( based on our old records ) by the small bank but at that ran a hard inquiry without warning or approval from myself and my husband. We never heard back from Cross Country as to that rate was. I=Both myself and my husband received a hard inquiry notification from XXXX XXXX on XX/XX/XXXX and it wasn't until the next day that I decided to contact Cross Country about that. I contacted them on XX/XX/XXXX about the hard inquiry. The woman who answered took my information and said someone would return my call within a few business days. It is now XX/XX/XXXX and I still have not heard back.
Consumer complaint received 2023-02-12
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. (CA)

After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
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. (CA)

I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (CA)

I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX   of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

I need help. I want to report that IDEAL COLLECTION SERVICES, INC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to IDEAL COLLECTION SERVICES , INC . 

Thank you so much, CFPB.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MS)

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by Ally Bank and XXXX XXXXXXXX XXXX XXXX. These late payments have adversely affected my XXXX XXXX and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section XXXX, which ensures my right to privacy. 

Furthermore, under 15 USC 1681 Section XXXX A, Section XXXX, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to XXXX, XXXX, & XXXX, and therefore, the inclusion of these late payments in my credit report is a violation of this provision. 

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-17
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. (CT)

I have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AL)

A debit card was sent to me in the mail ( XX/XX/XXXX ) tied to an account in my name that I never opened. We quickly called chase and had them close it. It feels like what XXXX XXXX did back in XXXX, where they opened fake accounts and accumulated fees. It feels like a violation of my name and privacy.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (GA)

The issue is with Equifax. In XXXX of XXXX I tried to refinance my home and my lender notified me that my Equifax report was blank. I tried to get in touch with them to no avail. Finally my lender got approval from his underwriting department to use XXXX and XXXX and we moved forward without any issues. We refinanced again in XXXX of XXXX to get a better rate with the same lender and after trying to get in touch with someone at Equifax again, we were forced to use XXXX and Equifax again. 

We are about to purchase another home so I checked my credit report and my Equifax report is virtually blank. There is one card listed on the report in the amount of XXXX and that card was paid and closed years ago. I have 2 open credit cards, a mortgage with XXXXXXXX XXXX, multiple auto loans that were all paid but according to Equifax, I have one card. My score recently dropped on XX/XX/XXXX because they removed all of my accounts from the report and added items from XXXX. Again, my efforts to get in touch with them are unsuccessful.