davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NM)

*XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-01-24
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 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 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I have requested a COVID forbearance three times within the past month and I never heard back from them. They also do not take phone calls regarding a forbearance request. I have the confirmation emails for all. They say they will be in contact in 3-5 business days, and that has not happened.
Consumer complaint received 2020-05-06
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. (CA)

On XX/XX/XXXX XXXX XXXX  XXXX reported a 30 day late which was inaccurate. 

I found out about this the first week of XX/XX/XXXX and contacted XXXX XXXX XXXX to point out this error. 

I was advised to send in proof of payment to show it was paid on time and proceeded to do so. 

After sending in the proof of payment XXXX XXXX XXXX  agreed to update the credit bureaus. 

As of writing this complaint XXXX and XXXX have updated my credit report and have removed the late. 

The reason I'm filing this complaint is because Transunion has failed to update my credit report and is still reporting the 30 day late. 

I've tried contacting Transunion directly with no success and XXXX XXXX XXXX  has told me that they have already updated the correct information and that I need to deal with Transunion direct. 

Transunion needs to remove this 30 day late. Please help. Again XXXX and XXXX have updated everything correctly. Transunion is the only one I have a dispute with.
Consumer complaint received 2017-08-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
Consumer complaint received 2020-05-06
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: FACTUAL DATA CORP. (TX)

I did not authorize anyone employed by FACTUAL DATA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-02-21
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Consumer complaint received 2023-02-16
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. (OR)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-04-05
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. (RI)

I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX  2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (IL)

My bank delayed a few transactions in order to create a negative balance of XXXX during the same day I scheduled 2 transfers to arrive on the same day. I called and the rep told me a XXXX $ NSF fee would be added Tomorrow despite the fact that I had 2 transfers arriving hours after they applied the fresh negative balance to cover it. This means a nsf fee should not be generated and the bank chose to dissolve our relations by trying to delay the transfers in order to steal a XXXX nsf fee even after confirming that they see the transfer coming.
Consumer complaint received 2020-09-21
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly  investigated. I have yet to received anything back from them.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (VA)

I disputed my XXXX accounts with Experian that were paid off XX/XX/2020 ... after payment account is still showing on my profile and the original loan is way over the statute of limitations ... Experian changed the account to show in collections XX/XX/2020 after it is paid off and should be removed from my account because of federal law
Consumer complaint received 2020-09-21
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. (WA)

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( Equifax, XXXX and XXXX ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from Equifax, XXXX or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19. 

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

I have a loan with Ally financial for my car. I had the temp withhold for my loan for 3 months when I asked back in XXXX my payoff it was {$5000.00} and now less than 6 months later it is {$5500.00} which my interest rate is only 8.99 % so it doea not make sense that this amount is correct. 

I also tried making payment online automatically and Ally Bank temporarily froze my ability to pay from my bank account and now my account is past due with late fees.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

I just opened an account with TD Bank. I use a check to open it and signed up for three or four accounts. The check cleared and I use the TD Bank app to sign up for more accounts. The bank stopped my atm card
Consumer complaint received 2021-01-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 

I previously filed a complaint regarding this issue. I was again told the check was reissued XX/XX/XXXX when I called XX/XX/XXXX and spoke to operator # XXXX I was again informed the check was reissued XXXX, XXXX by XXXX XXXX through the complaint response. Today is XX/XX/XXXX. I still have Not received a refund of My Escrow legally due to me in the amount of {$290.00}. 

If in fact the check has been reissued why have I not gotten it. I do not have any problems receiving any other mail or packages. at this point in time I question the honesty and integrity of Loan Depot and its employees. It should not be this difficult to receive an Escrow refund.
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (MD)

I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.
Consumer complaint received 2020-09-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I uploaded a dispute based on a violation of a compliance with the FCRA and Experian sent me a letter as an stall tactic not to make their investigation, therefore violating my request to investigate this violation of the FCRA. It is an abuse and they need to do their job under the law.