davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My loan has been active since 2012, in that time I was guided into long term forbearance and into changing the loan multiple times to make payments. Had I known that you could constantly make XXXX payments the loan would be considered paid in full I would not have changed the loan. Over the years I have called Great Lakes multiple time asking questions and trying to find out the best option for my future. They guided me into changing my loan type multiple times ( each time the loan is changes the clock resets! ) I called yesterday and found out Im on a plan to pay off in XXXX XXXX I feel like the information Great Lakes was incorrect and troublesome. Because of their poor guidance I will not be finished with my loan for XXXX more years.
Consumer complaint received 2022-04-20
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. (TX)

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I logged into my account and saw that my credit card was closed. I never received communications that my credit card was in danger of being closed to inactivity. Customer support said that they sent a letter that I did not receive. I log into my account every week, they never flagged anything or sent out a notification. Why is there an account closure flag but not a danger of closing flag on the dashboard? I called to have it reopened, and they said it was a permanent close. Why dont they have a window to reopen? This is my longest standing credit card, it is going to ruin my credit score because my credit age is going to be cut in half. This is ridiculous! No notification and no way to reactivate the account within 30 days. 

I did not have a home from XXXX to XXXX because my roommate terminated the lease. I took some time in XXXX after that stressful situation, so I was not in the US. Its important that they actually attempt to communicate with you for serious issues. Sending a letter is a BS excuse to satisfy a requirement. My account should been flagged when I logged in, I should have received a push notification, and an email. There should be a grace period to reactivate. They need to fix this, those are simple features to implement.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-20
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. (MS)

In accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I received an email from XXXX that someone had tried to open up a loan in my name using my credit report. The company also stated that they used my information to also open up a savings account in my name as well. Ive called USAA and they have frozen/ stopped the account and the inquiry and I also called XXXX and they took off the credit report from my account.
Consumer complaint received 2022-11-07
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. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All XXXX bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code ? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX Bank Acct # XXXX - XXXXXXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXXXXXX XXXX  Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-20
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I graduated from a XXXX  program in XXXX with a private XXXX XXXX XXXX and a federal loan managed by XXXX. I payed off the private loan and co to yes making payments with the federal loan company as able. Sometimes I requested a deferment and was steered towards a forbearance. Im not sure is the exact year but so want to say XXXX - I had XXXX small children and was working. I received a call from a loan company telling me that I needed to consent to new terms and the company was not going to be XXXX anymore. I was told exactly what amount I needed my new monthly payments to be and there was really no room for discussion. I began receiving invoices from Naviant. I payed but my balance continued to climb and I needed relief from time to time and I would call a representative who would advise me to file a forbearance. Over the years my balance has continued to climb even though Ive been making payments. Its overwhelming. Im losing sleep worrying about my financial situation. My husband and I are trying to put our XXXX children through college right now and we are not able to afford certain things for them and ourselves that we thought wed be able to afford by now. I have called naviant several times to complain and see if my loan balance can be lowered or the interest forgiven but have been steered towards forbearance each time. It wasnt until I requested to specifically have an income driven repayment plan that they arranged one for me and that was this year. Ive been paying in some capacity for 21 years. I feel like I shouldve paid the balance off by now but Im not able to reach anyone at Naviant that can give me a record of my payments with XXXX and Naviant. I need my balance to be reduced or forgiven if Ive made all the payments. Thankyou.
Consumer complaint received 2022-10-14
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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # 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 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have contacted Nelnet by email twice regarding the issue of allocating payments to the interest portion of the loan, which was easily done with the previous servicing company XXXX XXXX. It has been months and no response.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

XX/XX/XXXX Dear Sir or Madam, Nationstar Mortgage LLC d/b/a Mr. Cooper, first presented me with a tax claim on XX/XX/XXXX based on " Parcel No. XXXX '' -- see attached " XXXXMortgage-Note ''. I have not seen nor received any notification from XXXX XXXX for any additional charges. I requested Mr. Cooper to provide an original copy of the stated charges from the relevant XXXX department but got no response. My follow-up inquiries at XXXX XXXX XXXX not show any such charge. 

The same " Parcel No. '' is repeated with a new claim with higher charges -- apparently with interest added ; see " Mr_cooper_Repeat_Claim ''. 

Have contacted XXXX Department of Financial Services but that department does not have the full regulatory authority for this case. To this day we have not received a response from Mr. Cooper. 

I seek 1 ) proof ( original copy from relevant XXXX department ) from Mr. Cooper of the claim, 2 ) if the claim is false, then dismissal of all " Parcel No. '' charges. 

Thanks. 
XXXX XXXX
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

This is about SETERUS.Inc. And XXXX XXXX XXXX. As the successor in interest to SETERUS. Inc. WE NEED A lost mitigation applications to recoup our losses because of SETERUS VIOLATIONS OF REGULATION X PLEASE Respond to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX We need a lost mitigation application s Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On the afternoon of XX/XX/2022, while driving home from work, I received a phone call from a caller with the caller id of Wells Fargo. I have been a customer of Wells Fargo for over 17 years, and have received calls from them in the past. 
The caller stated he was with Wells Fargo and asked if I used XXXX. He informed me someone was trying to access my Wells Fargo account via XXXX and asked me to open the Wells Fargo app on my phone and look at prior history. 
I did not see any transactions and he told me I needed to add the person with an Email address to send the money to verify my identity. He assured me Wells Fargo would immediately return the money, but this was the only way to stop the thief from stealing the entirety of my checking account. 
I asked for verification he was with Wells Fargo and he told me to check the number he was calling from, it matched the number on the back of my debit card. He assured me he was with Wells Fargo. He knew my account information, my location, obviously my phone number and email address. He said that XXXX had been taken from my account, and this was the only way to get it back.

Assuming Wells Fargo had protection against scammers, I sent the money. Realizing pretty quickly this was a mistake, I immediately hung up and called Wells Fargo.

I was on this call for 11 minutes, trying to get a Wells Fargo banker to assist me, but I was constantly transferred, had to keep adding my account number, telephone, etc. During this time the scammer called me back 5 times. I was on hold with Wells Fargo, and not knowing I had accepted the scammer 's call. I had been trying to hang up the call. 
The new scammer was a woman, and assured me she was with Wells Fargo fraudulent services, and could see the XXXX was pending to go back into my account. She told me I needed to send XXXX from my savings account, in order to protect it. She said this was the only way to get my XXXX back. 
I sent them money, and immediately called Wells Fargo. This time it took 38 minutes for the person I needed to help me get on the line. Everytime I had to repeat the story, give my account number, etc. 
Apparently the money can not be immediately canceled or returned. I filed a claim with Wells Fargo, and am waiting 10 days. 
I assumed the scammer was with the bank since the app is so easy to use with XXXX, I thought the bank would have fraud protection for this. 
I never signed up for XXXX, it is just attached to my account. I also feel I should have been able to get in contact with someone from Wells Fargo much sooner, and this could have been avoided. 
I just hope more people can be aware of this type of scam.
Consumer complaint received 2022-04-20
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. (CT)

This will be the 3rd complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately 8 mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and XXXX admissions. Current issues : XXXX is reporting correctly, Equifax is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXXXXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXXXXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX  payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXXXXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full 8. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
Consumer complaint received 2022-07-12
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: Exeter Finance, LLC. (NC)

In accordance with the Fair Credit Reporting act 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