davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

Please, please help me in dealing with my loan servicer, NelNet. I am trying to file a complaint about a mismanaged student loan. I have tried calling and emailing NelNet numerous times to fix the issue, but they are unwilling to correct their mistake. 

I have statements from XX/XX/XXXX to XX/XX/XXXX showing the student loan payment date was XX/XX/XXXX. I am attaching a statement from XX/XX/XXXX and XX/XX/XXXX to show that the loan repayment date is XX/XX/XXXX. It does not change during the year. I attempted to restart school in XX/XX/XXXX. I, sadly, had to withdraw. NelNet reset my loan repayment date to XX/XX/XXXX, instead of XX/XX/XXXX, thus removing 18 months. I was told they reset the payment schedule, BUT I was not losing anything despite the 18 months taken away. I was also told that I should have asked for the deferment not to be applied to my account even though the school did it automatically without consulting me. The statements I have are from XX/XX/XXXX to XX/XX/XXXX, which are BEFORE I started school, and no deferment was involved showing that my due date was XX/XX/XXXX. I am being penalized for attempting to return to school. NelNet is blaming it on the deferment and selected the repayment schedule instead of following the previous repayment date, XX/XX/XXXX. Please help me get this corrected.
Consumer complaint received 2022-05-15
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. (SC)

In accordance with the Fair Credit Reporting Act these accounts presented, have 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 an account without my written instructions. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-07-23
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. (NC)

I spoke to two different representatives at TransUnion XXXX XXXX XXXX in reference to a recent drop in my credit score of 35 points with a decrease in my debt of over {$3100.00}. Upon speaking with the two different representatives, they could not explain why my score dropped 35 points. I also have a excellent paying on-time record without negative impacts to my score. I immediately requested to be transferred to a supervisor. Upon speaking with a supervisor, she could not provide me with any information that would explain what had happen. The only thing that she said that made since was that they use a electronic scoring device that might need to be changed or could need some updating. She also told me that if I had a complaint, I could notify the CFPB ( this company ) and she had given me the number to the CFPB. With this drop in my credit score, ( that I have worked so hard to pay off my debt and kept paying my payments on time and sometimes paying over the monthly payment amount, paid off several accounts in full ) shows me that the more I pay the lower my score. That is absolutely not so! I would like a full investigation of this matter so that I will get an accurate credit report in the future.
Consumer complaint received 2023-06-10
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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 2022-05-15
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2021-10-29
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: EQUIFAX, INC. (NY)

I have disputed accounts that are not mine with Equifax several times. I sent an FTC Identity Theft Affidavit to them several months ago and they did not comply with the laws under the FCRA. Upon speaking with a rep on XX/XX/2021, he explained the account numbers on the Affidavit were incorrect and that was the reason the accounts were not removed from my file. He proceeded to give me the correct account numbers and instructed me to send in a new Affidavit with the correct information. I followed his instructions and sent in the required documentation on the same day via fax. As of XXXX, 2021. They still have not responded to the Affidavit nor acknowledged receipt. I am making this formal complaint to accomplish two things. 1. Put the sequence of events on record. 2. Establish a corroborating evidence that these documents and complaint were initiated by me in the event I have to take legal action.
Consumer complaint received 2019-07-23
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. (TX)

I requested that Experian provide me with all methods used by Experian to verify that this account is correct, the original bill with my signature, services provided and detail billing for the services and the name of the attending doctors ' name and address. I requested that Experian provide all methods used by XXXX XXXX XXXX to verify this account as being accurate
Consumer complaint received 2017-09-13
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. (CA)

I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (SC)

I am trying to refinance my house and found a judgement against me by chase on a credit card XX/XX/XXXX. I did further investigating and found that chase had settled with the federal government and agreed to cease collecting debt on accounts XX/XX/XXXX. im not good with the legal language, but it says that they can not collect or enforce any judgement made during that time. I never received anything informing me of the settlement. I called and tried to get them to remove the judgement against my property and they said they would only remove it if i paid 100 percent of the balance i owed them. From what ive read, can they still try to collect on this debt and continue to enforce this judgement against me.
Consumer complaint received 2022-05-18
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)

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate errors on my report, and send the corrections to me within 30 days. They have failed to do so.
Consumer complaint received 2023-04-12
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (DE)

Already had filed a fraud complaint on TRS Recovery Services for the malicious attempt to collect on a fraud debt from a result of fraud transactions that happened from XXXX that was not Authorized thru a closed checking account where the Checking Acct number was used online and no paper check was submitted for payment. TRS Ref # s are XXXX and XXXX and XXXX and XXXX these items were never ordered or received or Authorized and request my personal information be removed deleted from Telecheck and TRS Recovery Systems Asap since the information on files is a result of a fraud transaction.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove it from my credit report.
Consumer complaint received 2022-05-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taken advantage of due to mail-practice while several laws were being broke under the FCRA by your company. This has caused me financial injury, deformation of my character, finding employment, I cant apply for credit, I cant apply for a car, I cant apply for a home, I cant apply for a SBA or Personal loan due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-15
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. (CA)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX 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 2016-01-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A while back I signed up with Bank of America, for merchant/credit card processing. The issue is the credit card machine lease that BoA sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted BoA sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding.
Consumer complaint received 2022-05-15
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. (KY)

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and Experian Report.I can't get it corrected.
Consumer complaint received 2022-05-18
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus 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 : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; USDOEXXXX XXXX Balance : {$0.00} ; USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-15
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. (KY)

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my Equifax and XXXX Report.I can't get it corrected.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (MD)

Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.
Consumer complaint received 2022-05-15
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. (KY)

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and XXXX Report.I can't get it corrected.
Consumer complaint received 2021-10-29
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 EXPRESS COMPANY (TN)

American Express has reported me deceased to the 3 credit bureau 's. I have called them multiple times to dispute the inaccuracy of the account to get nowhere with them they will not provide me with any information, so I have no dates, amounts, or account information please help. I have called the 3 credit bureau 's and they have removed the deceased remarks, but American Express keeps reporting to them I'm deceased.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

My card was fraudulently charged on the weekend of XX/XX/XXXX for over {$200.00} ( {$160.00}, {$57.00}, {$8.00} ). I called Chase XX/XX/XXXX as soon as the charges were discovered and clearly explained the fraud charges. Chase cancelled or credited those charges for 40 days then rebilled all the fraudulent charges to me saying they were valid. Further attempts to correct this with Chase resulted in being put on hold for an hour while being transferred to the fraud department only to have an automated message say they could not help with the issue before hanging up. Chase still has me charged for those fraud charges that I did not make and Chase is actively breaking consumer protection laws by ignoring my fraud report and trying to force me to pay it
Consumer complaint received 2019-11-20
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address
Consumer complaint received 2022-12-16
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. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.