davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I applied for a line of credit with net credit and the creditor have used adverse action against the consumer ; revocation of financial extension of credit in substantial terms requested. Creditor did provide risk based pricing notice and said the determining factors listed were reason for denial. 
-XXXX  XXXX  Risk View Score Request -XXXX  vantage score -XXXX  Auto Origination Score. 
It is with unfairness exercised, for a creditor to base these factors from I, the consumer with respect to my credit profile which contains status of accounts that are under investigation and should have been removed.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX Dates:XXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED DatesXXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3200.00} Company : XXXX  XXXX  Dates:09/30/2008 Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX COMPANY Dates:XXXX Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX  DatesXXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX  Date of Inquiry:XX/XX/XXXX
Consumer complaint received 2020-11-16
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. (FL)

XXXXAR CU REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} XXXX  AND EQUIFAX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX  HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX
Consumer complaint received 2020-10-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (LA)

Company : NCA / Acct # XXXX Date : XXXX Amount {$400.00} I try contact this company for months and no, responds they will not validate this account is mine. They need to delete and remove this account there in violation due to the fair credit act this is not my account I notified the credit bureau several times and they do nothing this account was removed off my XXXX  but, still reminds on my XXXX XXXX and XXXX
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

CFBP - closed my complaint ( XXXX ) without checking with me first. My issue has NOT been resolved. 

The letter sent from the servicing provider TOLD YOU that I the customer was to just call the office of the customer at XXXX xt XXXX ( XXXX XXXX ) I did this and was locked into an eternal phone loop that went NOWHERE. 

You may not follow up on this but YOU DIAL the number and see if you get a person. 

This FRAUD is continuing to go on ( because they KNOW CFBP won't do their jobs so it is easy to make fools of them ) and I am writing it here so there is a record to show that consumer complaints are only treated with a quick/weak close with NO INVESTIGATION and you only take the BUSINESS side. 

Try calling the number and extension. Its a small test to VERIFY my complaint that there is no service and the CFPB is not doing anything to actually help the consumer/customer. 

Apply my mortgage payments to the month I pay them instead of trying to ruin my near perfect credit and laundering or hiding my money to pay for their predatory lending practices. 

XXXX! 

XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other DELAWARE XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-11-16
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. (FL)

XXXX XXXX REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} TRANSUNION AND XXXX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I can not list specific dates as I did not document them at the time however, on several occassions I have asked how my payments are being applied as it seems my loan amount has hardly decreased after having been making payments for almost nine years. I entered into the income based repayment option and have been making the same payment amount for almost that entire time. I was told on my last call the interest rate can fluctuate which was a complete surprise to me as that was NEVER mentioned when I entered into the program. I was pretty much told 'too bad '. What they are doing to borrowers should not even be legal.
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (KS)

I paid off a collection agency that was on my credit report. It is Vance and Huffman , LLC for {$740.00}. It still does not show on my credit report that it is paid in full. I have asked the company to please report it to the credit agencies. I was told they would. I wanted it to show paid on my credit report to make my self look better and more responsible. Since I paid this debit I want something to show for it. Thank you. XXXX XXXX
Consumer complaint received 2021-10-15
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: WELLS FARGO & COMPANY (NJ)

I never authorized any company to get my credit information. I did not ask for car companies to get my credit information. I did not ask for anyone to obtain my information. I have a credit freeze and protection on my credit report.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have NEW information which further provides that TransUnion is willfully violating the FCRA. I am now unable to obtain my consumer report in the most convenient form, online. I personally feel as if TransUnion is discriminating against me because I have called them out on their violations.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I receive my credit report around XX/XX/2020 and it showed that I owed a company called Transworld Systems Inc on behalf of XXXX. The amount shows a balance of {$3000.00}. I reached out to them by sending a debt validation letter concerning this debt. This is not my account and I have asked them to remove it. Transworld sent me a letter in XX/XX/2020 responding that they received my inquiry. But they are still reporting inaccurate information as of today XX/XX/2020. I verbally spoke with someone sometime in XX/XX/2020 from Transworld and to this day I have not received any information validating this debt.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : Capital OneXXXX XXXX XXXX XXXX Capital One Auto FinXXXX
Consumer complaint received 2021-10-15
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. (PA)

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts.

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.
Consumer complaint received 2017-12-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (IN)

XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ME)

In XXXX, I received an email from Nelnet stating that my unsubsidized student loans were receiving a subsidy that they were not eligible for and that they had " corrected '' the error. The new amount was shown along with the {$12000.00} of accrued interest they had added. As I was unable to look into this further, I did not realize what was happening with my student loan balances until I began to really focus on my credit and clear up any and all inaccuracies on my credit reports later in XXXX. After getting my credit report completely cleared up and removing most inaccurate information, the only ( and largest ) inaccuracy left was the balance ( s ) showing for my student loans. Somehow, when the loan servicer changed from XXXX XXXX XXXX to XXXX  XXXX, to now Nelnet, the balance of about {$40000.00} ( a total of {$29000.00} in unsubsidized AND subsidized student loans taken in XXXX ) had been inflated with false information and now appeared as two separate loans of over {$55000.00} and {$24000.00}, respectively. I contacted Nelnet via email and phone on XX/XX/XXXX and have continuously been in contact via email and telephone several times monthly since then. Most recently ( on XX/XX/XXXX ) I was told that my prior servicer would have to be contacted to fix the amounts that were now showing, but my prior servicer said that they have nothing to do with how my current balances are being shown and reported to the credit bureaus and it is Nelnet that would have to address these errors. 
In order to more fully prove the issue at hand, I requested a copy of my master promissory note from XXXX when my loans were consolidated. It clearly showed a total of less than {$29000.00}. Even after this, I have been unable to get Nelnet to correct the incorrect loan balances as well as the capitalized and accrued interest they have applied to the vastly inflated principal balance. I have been told to contact the Department of Education ( even though they show my loan information accurately ) and to contact FAFSA, which has nothing to do with an inaccurate student loan balance. I am at the point where I am going to have to hire a lawyer, which is going to take any and all savings that I have set aside, just to get my student loan balances reported correctly and to remove the additional tens of thousands of dollars Nelnet has erroneously added on to my principal balance. I am simply asking for this to be corrected to show my actual loan balance, not the more than {$100000.00} that now appears on my credit reports.
Consumer complaint received 2021-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

I am in the process of applying for loan forgiveness via the PSLF under the TEPSLF program. I have had 41 payments " pending manual review '' for eligibility since at least XX/XX/2021. I have emailed and spoken with a representative from FedLoan who said she was escalating the issue. I am currently awaiting the manual review in order to apply for forgiveness. 

I appreciate any assistance in expediting this matter. Thank you.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. XXXX is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to XXXX. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. XXXX is the worse Thanks
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Amerivest Mortgages (NY)

XX/XX/XXXX, requested XXXX  XXXX  branch manager to refund the XXXX dollars for overdraft fees. Funds were deposited the next business day to cover the over limit. 
Calls and e mailed were ignored. XXXX  XXXX is refusing to respond to my request. I am left with no choice but to request assistance from the CFPB.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/XXXX. XXXX my loan was paid off in full with the Dovenmuehle Mortgage, inc.. 
To date have not received the {$3000.00} plus escrow account balance. 
I have made several attempts to have this paid, much recently XX/XX/XXXX and XX/XX/XXXX. 
On both of these dates, I was told that there was an error with processing. Today i asked for a specific date that I could expect my refund, but was told that it had to be escalated. 

Also, on received a letter dated XX/XX/XXXX stating that my original inquiry is under review. 

Loan number : XXXX Research Dept. number : XXXX
Consumer complaint received 2023-01-10
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. (NY)

In accordance with the Fair Credit Reporting act 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 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.