davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (TX)

I will try and make a long story short but basically, I have paid off my student loan in full upon graduation, and for whatever reason the loan still shows I owe money and it continues to grow interest of course each day. When I first discovered this, I tried resolving it with the parties involved and to no avail have I gotten anywhere with these people. Upon graduation in 2011 my father paid my student loan in full, he was at my apartment and asked me to call right then and get the payoff amount because he was going to write a check for the balance that day. I called and was given the payoff amount and my Dad wrote the check for that amount, I then placed the check in the mail to them. 
I have attempted phone calls, emails, faxes, and postal mail and through dealing with either no response or no return call or email reply and lousy customer service when I finally did get a reply the first one was basically yep you owe the money in question and the last reply ( which I have attached the document ) was basically telling me I owe it because of a time frame in when the check was received. Well first off, the letter stated that I requested a payoff amount via on- line well that is not true like I mentioned above I called them on the telephone my father was sitting right next to me and was writing a check for the balance that 's why he said get them on the phone right now, so I can write the check and pay it off. I would n't have asked for a payoff amount and then wait 4 or 5 months later to send them a check that 's insane. My father is a witness to all this and my father is a hard-working honest man and lives life morally right. The bottom line is I paid the amount of the loan off way early and however they chose to allocate it is their problem and or wrong doing. I would not have asked for the pay off balance if I was n't going to pay the loan off in full the day XXXX called. Obviously, they have gotten their files disorganized and their information mixed up and they need to hold themselves accountable. I guess they are upset because they couldnt gain interest on my account due to the fact I paid it off early before it could draw any interest which I am sure not many people are fortunate enough to do. They should be ashamed trying to suck what any money they can from struggling students in the world just trying to further their education and better their lives and future.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (CO)

I recently found out today as of XX/XX/XXXX that I had a negative hit on my credit stating that I owed money as of XX/XX/XXXX to XXXX XXXX XXXX through Aspen Debt Collection. I was never properly notified of any such debt and I was incarcerated since XX/XX/XXXX of XXXX. I have been an XXXX  with XXXX as from then until XX/XX/XXXX of XXXX. I am still a XXXX  client within XXXX ( XXXX ). Whatever the situation there was no possible way that I could have still been legally on any lease as I have not signed a contract in the nearly XXXX years that I have been XXXX. Not to mention, as I have already stated earlier, I was never even properly notified to dispute the claim. They are hurting my credit score with a fraudulent claim.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I received a student loan discharge as a settlement of the Sweet v Cardona lawsuit and PSLF. Mohela and Dept. Education both sent letters confirming my loans were discharged and paid in full. Today, Mohela sent me a statement for {$7600.00}, with a monthly payment of {$480.00} due in two weeks. Mohela stated the loan was disbursed in XXXX. I haven't been in school since XXXX. Also, Student Aid is currently reporting a {$0.00} balance. Mohela 's customer service is horrible. You're waiting on a representative for hours.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Im a victim of identity theft, I requested for Equifax to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of Equifax Data Breach and Equifax have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the accounts need to be removed immediately.
Consumer complaint received 2022-09-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # - XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-09-25
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. (PA)

I have called Transunion three times to dispute account status information each time the agents either took my information and disconnected the call or, promised to remove or fix such information. Again, Federal laws are being violated, this is my last attempt.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

https : //service.transunion.com/dss/disclosureCategories.page transunion@em-tuci.transunion.com I don't think this is actually transunion. I have been having a XXXX of a time with my identity here lately and I think I may have just given whatever this XXXX web site is my WHOLE Social security number!! SMH I am BEYOND over this freaking phone. I need someone who can help me put up safeguards for my identity to please please tell me what to do I am at my wits end!
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

The CFPB required Wells Fargo to remediate to former or current customers for improper charges on their bank accounts. Wells Fargo Bank never made those payments to me but yet sent a 1099-INT to me.

I have called numerous times but they give me the run around and keep me on hold for hours. I reported them to XXXX  and they could not provide an answer or resolve the matter. 

I am now notifying the CFPB that Wells Fargo never made those remediation payments as required to do as part of their settlement and they are sending out fake 1099-INT as is they fulfilled those obligations.
Consumer complaint received 2023-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I have protections for my federal student loans through borrower defense to repayment. I attended the XXXX XXXX XXXX MN which is now defunct. My loans are with the same lender that they originated with, Navient ( XXXX Sallie Mae ) Are there any consumer protections for private loans for fraudulent for profit college loans? 
I have been paying on these loans for years with no options to refinance ( based on my attendance at this scam school no one wants to refinance the loans, aside from navient and requires a cosigner ) no bankruptcy protections and no accountability by the school for not providing adequate services, nor lender for issuing loans for a scam school. 
Is anything being done for private student loans on for profit fraud schools?
Consumer complaint received 2023-03-02
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: Nelnet, Inc. (MD)

Department of ED/Nelnet has placed the following charges on my credit report and have yet to send me any verification of a contract that I have with this company. I have the following amounts of debts that this company is assuming that I owe them ... {$1200.00}, {$1500.00}, {$1300.00}, {$1700.00} and {$690.00}
Consumer complaint received 2023-01-20
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: FIRST NATIONAL BANK OF OMAHA (MA)

Score Decrease Your XXXX  Score has decreased by XXXX points. 
XX/XX/2023 Bank XXXX Credit Card Inquiry FNB OMAHA got a copy of your XXXX Credit Report. 
XX/XX/2023 They sent me a Pre-Qualification then denied me. I told them on the returned application they sent me that for denying me after sending me a pre-qual that you had better not have done a HARD pull and my score best not go down. Well both did, the score went down and theres a hard pull that will be there for 2 years. This needs to come off of my credit report. They have denied me with there own PRE Qual. I would have never applied if I had known they were going to XXXX XXXX XXXX. This was the 2nd time they had done this to me. I only apply to pre-quailfied credit cards and never have a problem. My score was XXXX before they dropped me down and put a HARD PULL that will be there for 2 years after getting denied ... .THATS WRONG! please help thanks
Consumer complaint received 2022-09-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account  # 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. 


In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (KY)

Purchased pre-paid XXXX XXXX from XXXX XXXX on XX/XX/2023. 
Called number on back of card to activate ( XXXX ), system put me into a call with customer service representative who told me the card could not be activated due to being compromised. Was advised to go to XXXX XXXXo file/upload documents supporting the purchase of card ( Drivers license, front of card, back of card, reciept of purchase and activation status receipt ) Documents were uploaded. Waited 7 days before calling back to check on status of replacement card. Was told no documents had been received. Was advised to fax documents to them ( XXXX ). Waited 7 days before calling back, was told fax had been received, but documents, specifically Drivers License was unreadable and told to enlarge document and upload through their website. Documents would not upload. 
Called back ( now, XXXX XXXX, 2023 ) and was told to fax documents again and that a case number had been created to reflect issue on uploading documents to their web site ( case # XXXX ) I asked and was denied to speak to a supervisor on all calls. Customer Service Reps all spoke barely understandable English and I was disconnected/hung up on several times. I've had it. I want my money back and ideally the money it cost me to send faxes
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-09-25
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. (TX)

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 U.S.C. 1681. 

Account Name : Account Number : XXXX XXXX  ( XXXX XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/2022 XXXX U.S.C. 1681 Section 602 A. Staets I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also States a conusmer reporting agency Can not Furnish a Account without my Written Instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section Sates : 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 then seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) : A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-09-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NC)

Vehicle loan was closed on XX/XX/2022 and was reported as 30 days delinquent with a XXXX XXXX balance in XXXX of 2022. 

Bridgecrest formerly XXXX refuses to remove the delinquent status from my credit portfolio. 

The delinquent status has caused my XXXX score to drop by XXXX points. I'm a military veteran looking to purchase my first home but the negative mark on my credit has slowed the process of being approved with a lower rate.
Consumer complaint received 2022-09-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX
Consumer complaint received 2022-09-24
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. (TX)

So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (MO)

Another STILL WORKING ON THE ISSUE LIE as usual THEY WORK ON NOTHING THEY FIX NOTHING THEY SCAM EVERYONE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX