davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

I have 13 loans total by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX, XXXX and now Nelnet. 
The first loan was given XX/XX/XXXX. I started making payments while in school in XXXX. I later filed for economic hardship and had my loans deferred and finished school in XXXX. Then All loans were consolidated in XXXX, with no record of prior payments, because they start over, as told to me by XXXX and Nelnet. 
I've been on an income contingent plan for years. Always sent in the application and faxed all required documents. There's never any record of payments or any correspondence between both Department of Education or Nelnet. I moved from Texas in XX/XX/XXXX. I sent a payment, as always and the Department of Education said they sent me to a collection agency and payments could no longer be accepted. 
I received a letter from the Department of Education XXXX XXXX threatening to garnish my wages if payment or payment plan wasn't put into action. Shortly after, I received a letter from XXXX XXXX XXXX XXXX, a collections agency. They added XXXX to my loan for their fees. A payment arrangement was made and I sent payments directly to Department of Education until the pandemic shut everything down. 
Spoke to Nelnet today and they said XXXX might have been a scam because there's no record of payment. When I spoke to XXXX, they don't show it either and referred me to Nelnet. 
My loans have been through too many hands and it's not fair. When loans are this old and payments have been made, I need to know my legal options. Thank you.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (IL)

The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX Capital One Auto Finance on XX/XX/2023, XXXX ) XXXX XXXXXXXX XXXX  on XX/XX/2023, XXXX ) XXXX XXXX on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report. 

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide. 

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Theres a student thats currently reporting on my credit report with Dept of EducationXXXX . I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Theres a student thats currently reporting on my credit report with Dept of EducationXXXX XXXX I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Theres a student thats currently reporting on my credit report with Dept of EducationXXXX . I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXL XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance:XXXX ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date OpenedXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On my Experian report a XXXX account appears and indicates that I am deceased and the account is reporting as a chargeoff. This is incorrect. Also a XXXX Bank credit report shows an incorrect balance. This balance should be XXXX and the incorrect balance is a result of fraudulent activity. An XXXX XXXX credit card reports and it shouldnt because the account was initiated fraudulently. Additionally there were XXXX inquiries that were made without my permission and they are : Bank XXXX XXXX on XX/XX/2021 and XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, and XXXX XXXXXXXX XXXX on XX/XX/2021.
Consumer complaint received 2022-03-25
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. (MD)

I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. 

Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. 

Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-05-17
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2022-05-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this ERC ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXXn and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (NV)

This is not my account. I told the company and they are harassing me with calls that come and just hangs up after 1 ring, I call back its them. i told the rep it was not me and she insisted that I need to pay this bill or it will be on my report.
Consumer complaint received 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXXL Acct # 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 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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 2019-07-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC (KS)

They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Credit Karma (WA)

My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I have lived here XXXX  years. They will not change my phone number they accept landlines which I have but refuses to do anything. So the are basically stealing my income tax return. The told me it was accepted then that it wasn't. I only logged in on XXXX devices from the same location. I am so frustrated XXXX is my only option they refuse to do anything. I've called and sent over XXXX emails.credit karma has the worst customer service other planet.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (GA)

I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc. (CO)

I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.