davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (KS)

I contacted Nelnet to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by Nelnet that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped 146 pts.

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with XXXX regarding this informing them of the error, and I never got a response. I contacted Nelnet again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota financial services ( TFS ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted Toyota financial telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Consumer complaint received 2019-09-22
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. (IL)

XXXX XXXX XXXX. Has reported on my TransUnion report on ( XXXX, XXXX 2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (SC)

I was applying for credit to purchase a vehicle and kept being denied due to a public record or collection filed according to the denial/rejection letters I received ; after being denied more than 3 times I requested and received my Credit Report/file and saw where there was an account in collections for XXXX XXXX for {$490.00}, once I saw this on my credit report/file, I placed an initial fraud alert on my credit file and contacted the Collection Agency at that time ( XXXX XXXX XXXX ) and reported this account as fraudulent due to Identity Theft, and informed the person I spoke with that I'd never opened or have had an account with XXXX XXXX, neither had I lived at the address or even in the County of  the address to which the account was attached to according to my credit report ; I filed a police report in my home County with the Sheriff 's Office as well as doing a Federal Trade Commission Identity Theft report, after which I mailed the police report in addition to copies of other items ( Driver 's License, check stubs, mail ) to prove who I was and where I lived to the three Credit Reporting Agencies as well as the Collection Agency ( the 1st one ) acting on behalf of XXXX XXXX ( XXXX XXXX XXXX ) and after a few weeks it was removed from my credit report/file ; now according to a recent request of my credit report/file, I saw where it was and is being reported again as collections starting back in XX/XX/2019 ; now two months have passed and this remains on my credit report as a negative item under a new Collection Agency ( Online Collections ) as an account in collections ; at this point I don't know what to do, Please Help!
Consumer complaint received 2023-01-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have submitted multiple request to delete unverified hard credit inquiries on my XXXX and trans union credit files these credit reporting agencies do not comply and XXXX  has sent me letters stating that they can not find my credit file. XXXX   request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX XXXX )
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

While checking my credit report for accuracy ; I noticed a few accounts that aren't mine, and I did not give anyone authorization to open these accounts using my personal information. I also noticed a few accounts were student loans. These account are also in error because I, nor my children have attended a higher learning facility. Can you please help me figure out this information and get it cleared from my credit reports ; both Equifax and XXXX. Thank you.
Consumer complaint received 2019-09-22
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. (NC)

I Sent an FTC Report the Experian, along with a letter, informing them of the information on my credit report. I informed them that they were not my accounts, and that they were the result of identity theft.I asked then to remove the accounts from my report per 605B of the FCRA. Its been over the allotted timeframe, and they have not removed all of the accounts.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC (NY)

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and  illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using salesforce.com
Consumer complaint received 2019-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (NV)

THE AMOUNT I OWE IS {$330.00} ... EVERGREEN PROFESSIONAL LOCATED AT XXXX XXXX XXXX XXXX # XXXX XXXX, WASHINGTON XXXX ... THIS COMPANY HAS FRAUDULENTLY SENT THAT I OWE {$330.00} ELEVEN TIMES TO MY CREDITOR REPORT AND SEVERAL TIMES THEY CHANGE THE AMOUNT TO MAKE IT SEEM LIKE A NEW AMOUNT THAT I OWE!!! THEY ARE COMMITTING FRAUD AND BREAKING THE FAIR DEBT COLLECTION PRACTICE!!! THEY CAN'T DO THIS!!!! THEY ARE HARASSING ME THROUGH MY CREDIT REPORT CAUSING ME ANXIETY AND AN ENORMOUS AMOUNT OF STRESS, IM GETTING XXXX AND CANT FOCUS OR THINGS STRAIGHT THEY ARE CAUSING THIS BY LYING SAYING I OWE " WAY '' MORE THAN I REALLY DO!!! THEY ARE GOING TO CAUSE ME TO HAVE A NERVOUS BREAKDOWN AND LOSE MY JOB OVER THIS!!! THEY SHOULDN'T EVEN BE IN BUSINESS BECAUSE THEY COMMIT FRAUD AND LIE!!!
Consumer complaint received 2023-01-27
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. (TX)

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Experian is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Consumer complaint received 2023-01-27
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. (TX)

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by Equifax back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, Equifax nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Equifax is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Consumer complaint received 2024-03-06
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. (NY)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Albuquerque Auto Outlet (TX)

I purchased a vehicle from Albuquerque Auto Outlet XX/XX/2015. I was not offered a bank finance option instead I was offered in house financing. I was told that by using their in house financing after 6 months of on time payments it would reflect good to my credit report and I would then be able to refinance. On XX/XX/XXXX I had pulled my credit to see if the on time payments had improved my credit enough to refinance. After reviewing Albuquerque Auto Outlet had not reported to my credit at all. I reached out asking why it had not reported and was told they are working on it. After months of waiting for them to report to my credit and being told they were working on it it never was reported. I then made the decision with never paying late to return the vehicle to them. They are now reporting that 3 years later that they just repossessed the car and that the balance owed is over {$40000.00}. I have disputed the inaccurate amount owed and inaccurate reporting as to when the car had been repossessed and each time they have claimed its accurate.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

ON XX/XX/XXXX I PURCHASED SOME CLOTHING AND A COUPLE OF XXXX WATCHES ONLINE ON THE MACY 'S WEBSITE ON XX/XX/2019 TOTAL WAS {$1400.00} ... ORDER NUMBER XXXX .. 

THEY CLAIM THE PACKAGE WAS DELIVERED, BUT I WAS NOT HOME NOR ANYONE WAS HOME ON THE DAY OF DELIVERY. I TOLD THEM I DID NOT RECIEVE THE PACKAGE SO THEY TOLD ME THEY WOULD INVESTIGATE. AFTER THYRE SO CALLED INVESTIGATION THEY SAY THAT IM TOTALY FINANCIALLY RESPONSIBLE FOR THE PACKAGE IN QUESTION. ISPOKE TO THEM AND ASKED THEM HOW THEY EXPECT ME TO PAY FOR SOMETHING THAT I DID NOT RECEIVE AND THEY'RE CLAIM WAS THAT TO MANY PEOPLE HAVE FILLED CLAIME 'S FOR THE SAME TYPE OF ITEM THAT I'M CLAIMING. 
I TOLD THEM THAT I DONT SEE MYSELF PAYING THIS SINCE I DID NOT RECEIVE THE ITEMS. 

THANK YOU
Consumer complaint received 2019-09-30
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. (NY)

I have written to Transunion several times to address a few accounts on my credit report. under section 1681 I am entitled to a fair investigation into accounts reporting on my credit. I have spent money that I can not afford in mailings and certified postage over the last several months and I am unhappy with the way Transunion is handling my requests. I need the CFPB to help me deliver this message. Transunion is the ONLY company reporting this information and its impossible the account would be removed for non compliance with the 2 bureaus yet verify compliance ONLY with Transunion ... Transunion never did their job and under section 611 of the FCRA I request their procedure into my file.
Consumer complaint received 2024-03-06
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. (TX)

There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX Bank and remove the following account from my credit report : XXXX  XXXX XXXX
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

OCWEN recently merged with PHH Mortgage. 
On XXXX XX/XX/2019, I received PHHs Escrow Account analysis indicating a shortage in that account. 
On XXXX XX/XX/2019, I paid the shortage in the amount of {$780.00}. That check has cleared, I have proof of that from my bank statement. 
Sent several messages to PHH through their internal website messaging system inquiring why my monthly payment was increasing after I pointed out that their analysis of my escrow account was inaccurate and after I paid the full escrow account shortage. 
I received 2 confirmations that my messages were received by PHH, yet I received no response to my inquiry. 
I called PHH on XXXX XX/XX/2019 asking why they hadnt responded to my messages and was told they never received anything internally, yet their website provided confirmation numbers of my messages. During this conversation, their representative explained that I needed to fax any documentation that I had supporting my claim to their tax department. 
On XXXX XX/XX/2019, I faxed PHH my documentation, which consisted of my County estimate of property taxes and my County approval of a 25 % reduction of property taxes for elderly and disable persons to their tax department. 
My Countys property tax amount was lower than PHHs estimate and neither PHHs or my Countys amount calculated the 25 % reduction into the final figure. 
My paperwork clearly indicated that PHH is overcharging me by {$38.00} monthly for my mortgage payment beginning on XXXX XX/XX/2019. PHH has both of these documents and hasnt responded to a legitimate customer inquiry To date, I have NOT received a reply from PHH.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I paid my XXXX XXXX  credit card by mail I sent the payment out on the XXXX of XXXX just like I have done for they past 15 years, never ever on this account I have had a late payment. This was my last payment to pay off card of XXXX, I received a bill for the first of XXXX and was accessed a late payment, I called the XXXX number and was told because of bankruptcy there was nothing they can do, now the XXXX of XXXX they have accessed me a second late fee, I called and now was told that they can only remove 1 late fee. This is a scam I was told can not waive on my first call, and now they will waive one, bottom line they just want XXXX dollar 's from me, there policy is to waive one late fee if you have never had any so they should have waived the first one when I called when they advised that they would not
Consumer complaint received 2019-09-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.