davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

In XX/XX/XXXX, I was told by my loan holders that I could apply for loan forgiveness if I consolidated my loans. I asked who I need to consolidate them with in order to get the loan forgiveness and was told there are several loan companies and the one they recommended was XXXX. 
Once I consolidated to XXXX, I asked how to get student loan forgiveness and was told my only option was that my loan would be forgiven after 25 years in repayment but I could apply for income-based repayment ( IBR ). 
I applied and was approved for IBR and was fine with 25 years because the amount that I needed to repay was something I could NEVER afford. 
I was in school for XXXX  XXXX XXXX but in my last year of school was given a XXXX  and not allowed to return to school. My appeal was denied. I then had the loan of a XXXX  with the income of a XXXX. 
Because so many things bad happened, I came to realize 25 years was better than never having the loans off my back. 
THEN, I heard about public service loan forgiveness so I had my employer send in a verification of employment and was told I did not qualify because my loans needed consolidated. I told them that I had my loans consolidated but then was told the loans needed to be with DirectLoans. 
I IMMEDIATELY sent in my application to consolidate with Direct Loans and am now on the right track. 
BUT, my complaint is the numerous times that I was misdirected by the loan companies. In particular, I had a time period from XX/XX/XXXX-XX/XX/XXXX where XXXX told me I was in the loan forgiveness program and in fact, I was not! 
It was not until I read an article that OTHERS were also DUPED that I realized this is happening to more people than just me. 
It must be understood that I went through a traumatic experience when I was kicked out of XXXX XXXX. I was preyed upon by these loan companies because my loans were HUGE AMOUNTS!! 
I now owe over {$340000.00} in loans that are held by XX/XX/XXXX ( {$320000.00} ) and XX/XX/XXXX ( {$16000.00} private loans ). 
I have written several politicians with no response. I've even written the President of the United States of America. 
I need help and will give you all information you need! I will attache the documents I have readily available. 
I trust you are the one that can direct me to a solution! 
* ( Please note : I attempted to acquire previous loan information from XXXX, XXXX XXXX, XXXX, NelNet, XXXX XXXX XXXX, and all other lenders that my loans were transfered between, but was told there were no records under my social security number. ) Thank you for your time! 
Kindly, XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (GA)

I called and spoke with a representative of the company to pay the debt in full, and I specifically asked for the collection to be removed once payment was received. Per the representative it would be removed from all three credit bureaus within 21 days. As of today 's date, the collection is still showing on my credit file.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

When I check my credit report comes up as a negative on my credit report Completed the loan modification process so everything should be good now on my mortgage and I need this to show on my credit score so can get my credit score to 6 or above as I need to do.
Consumer complaint received 2023-05-05
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: Informative Research (TX)

XXXX XXXX XXXX XXXX XX/XX/2023 and Informative Research XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2022-04-30
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 Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX  Account number 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 2022-09-01
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. (WI)

transunion took off then reinserted items from my credit report did not give me any notice that they were reinserted or why never got any letters transunion has taken more than 30 days with my credit dispute and has not removed items that i dispute more than 30 days ago.they must remove them by law.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

COMENITY BANKXXXX : Shows late payments on my credit report after never receiving the item ( s ) to be financed in the first place. 

Late dates show : XXXX, XXXX, XXXX, XXXX Ive always owed {$0.00} and as further proof have nothing in collections. I have been told numerous times this would all be removed from my credit report and it still has not.
Consumer complaint received 2022-08-29
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: AMERICAN HONDA FINANCE CORP (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am the victim of identity theft and XXXX, XXXX, and Experian as well as secondary credit reports are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX
Consumer complaint received 2022-09-01
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. (CA)

Hello, Experian has refused to remove the inaccurate information on my report. by law under 15usc 1681. report agencies accurate and correct information and since Experian refuses to remove the incorrect accounts. this is a violation that XXXX per account which is listed below. You will notice that the same accounts report on all three bureaus and all have different account numbers. a direct violation. I have attached copies of my reports from Experian, XXXX, and XXXX. I asked that either the items be deleted immediately or pay the XXXX per account which is inaccurate. These actions by the reporting agencies have lowered my scores and prevented me from qualifying for a VA home loan. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX
Consumer complaint received 2022-03-06
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. (CA)

XXXX XXXX made a hard inquiry to my Experian credit report on XX/XX/22 and XX/XX/22. I have no relationship with, have not applied for any products from, and have not granted credit report authorization to XXXX Bank. Calls to the bank on this matter went unanswered. 

Experian said they don't allow disputes to be made of inquiries.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXXXXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
Consumer complaint received 2022-09-01
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: The Phoenix Recovery Group (TX)

RESPONSE TO : XXXX. Again I have no signed contract the The Phoenix Recovery group that is reporting false inaccurate information to all 3 credit bureau 's. Also note : I've sent proof this was removed from my credit report and it's now back on XXXX, XXXX and XXXX. This is a violation of consumer fair act laws and this must me removed immediately. I've sent proof of the deletion review once more also court document showing XXXX balance as of XX/XX/2022. Church and non-profit Organizations helped to cover rent, I gave notice and sent pictures of clean apartment, information this non-contractual has placed is false any false inaccurate must be deleted under the law I want this removed IMMEDIATELY. Again this was deleted, unlawful to report again once deleted. See attached along with apartment in mint condition. These people are falsifying statements
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed I had late payments on my XXXX XXXX  XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (CA)

I opened an account to collect cards from my clients for my services, supposedly with Square, if I requested a card I would have the money available the same day, the client showed me his bank account where Square already collected the money but it has been several days and they have not deposited my money and they blocked all my accounts and I no longer have access to anything or talk to them.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I lost my debit card in XXXX, next day a supervisor from XXXX  call me saying that the found the card. 

Next day I found out tree charges to my account on that I didnt authorize. I called the bank and star a dispute process a week after this they said I authorized the transactions and that they will charge me for them. 

They also stated that if I have a problem I should contact the merchant myself The charges are : XXXX XXXX XXXX {$40.00} XXXX XXXX {$130.00} XXXX XXXX {$57.00}
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

On Friday, XX/XX/2022, I contacted Edfinancial on the news of President Biden 's student loan forgiveness plan. Per the Federal Student Aid website, borrowers are able to request refunds on loan payments that were made during the CARES forbearance period. I requested a refund of my payments made during this time, which amount to approximately {$6600.00}. As a borrower with an income beneath the {$120000.00} threshold outlined in the White House 's initial relief plan, I am eligible to have this entire balance forgiven. I was repeatedly told that the processing time for this refund was upwards of 150 days, which I initially ascribed to the heavy volume of similar requests from borrowers. 

However, it seems as though Edfinancial is the sole servicer quoting these ridiculous processing times. In contrast, other servicers in the student loan space like XXXX, XXXX XXXX, and XXXX are only quoting 3-8 week turnaround times, and many of their borrowers have already seen refunds reflected in their accounts. Edfinancial 's extraordinary processing times not only put my eligibility for forgiveness in jeopardy, but they directly limit the effectiveness of the CARES act for those needing timely refunds due to financial hardships. 

Further, I was unable to request an electronic or paper confirmation of the refund request. Without a confirmation from Edfinancial and a quoted processing time of five months, there is no transparency to this process and I will have no recourse in the event there is an error in processing. 

I certainly remember my payments being taken out of my checking account within a few days -- why can't Edfinancial be held to the same standard?
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (TX)

Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit
Consumer complaint received 2022-09-01
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 acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX acct XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy. 
15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-09-01
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 was contacted by Capital One about the Venture XXXX credit card I opened up and they said that they needed me to submit some information for identity verification. I uploaded those documents on the same day. 

On XX/XX/2022 I called Capital One to make sure that I uploaded everything correctly, they said that I needed to add a few more bank statements and other documents which I added. On the phone they said everything looked good and to wait to hear back. 

On XX/XX/2022 I got a call from a Capital One agent who wanted to get on the phone with my XXXX XXXX  account to confirm some information I submitted. The Capital One agent tried to call XXXXXXXX XXXX multiple times and could not get ahold of anyone. The agent said that my account had then been marked as permanently restricted and there was nothing I could do to get it open again. I tried to get specific information about why my account was being permanently restricted and was connected with a manager who could also not give me any information. I have talked with multiple different agents at Capital One who say there is nothing to be done to prove my identity and they can't give me any information on what the discrepancies were. I have been charged a {$390.00} membership fee for the card which can now not be refunded and Capital One says there is no way of getting back even though the permanently restricted my account and I will have no access to my rewards points or any membership benefits. Being locked out of my account and having to eat {$390.00} without any explanation has been really hard to process and that amount of money is a significant amount to me. I find it absurd that I can't do anything further to prove my identity or at the very least be reimbursed for my membership fee that any benefits of are now also permanently locked.
Consumer complaint received 2022-08-29
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-01
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  XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax AN XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/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 cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.
Consumer complaint received 2023-01-26
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. (IL)

" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.