davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I have federal student loans that started with Nelnet, changed to XXXX XXXX, then went back to Nelnet. During this time, I went into automatic forbearance starting XX/XX/XXXX when I filed for bankruptcy. During this time, my loan was to stay in forbearance even if I made payments. However, I was placed in and out of forbearance ( moved from forbearance status to " in repayment '' status at various times during this period ) ; thus causing interest to accrue and/or capitalize unfairly. Additionally, there are misreported unknown forbearances over time leading to outstanding interest that is not adding up. Something has been misreported and I would like this to be investigated further. When I asked about my exorbitant amount of interest and capitalized interest back in XXXX, Nelnet did not have any explanation. Once I pulled the attached document and had an expert review it, discrepancies were found as noted in the previous sentence. 

Please see the attachment showing payment history and disbursement form XXXX. Any assistance is greatly appreciated.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with Transunion and they sent back my information ( see attached ) with XXXX XXXX XXXX XXXX XXXX Report at the top and my information XXXX XXXX. 

I contacted a XXXX through the Chat and she indicates XXXX 's name is not on the report, which it clearly is, and my info on the dispute and she seems to think that ok, as if we can go on the same report. XXXX XXXX XXXX and XXXX XXXX XXXX are two different people and XXXX should be fired as she really doesn't get that this is illegal mixing us up. 
They say its because we use the same email, but really? Many people do!!
Consumer complaint received 2021-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My credit rating just took a 100-point drop as of today. It had gone up as of yesterday when I got caught up on my loan. It shows that the balance of my loan has gone up. I am on an income-based repayment plan because I was laid off last year due to COVID and had to take another one that paid over {$10000.00} less. How can my credit rating go down that much overnight when I just got caught up on my loans? Is the payment even being applied correctly? Such a low credit score can severely impact a lot of other things. All they should be reporting is that Im paying on this loan and I am paying on time. Nelnets business practices and credit reporting processes must be investigated. This is happening to way too many people and I believe there is something highly unethical going on here. I think the company may be resorting to shady reporting tactics to try and squeeze more money out of people paying on their student loans, especially since the freeze on interest and payments has been extended.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I received a new credit card as suggested by XXXX XXXX to improve my credit score on XXXX, in which two of the three credit bureaus did increase my score by at least 17 points after receiving a new cc, except Experian which is a paid service. This is an automatic score upgrade if any credit bureau know you have an extra cc which has not been used as of yet. No problem with existing card ( s ), all are within good status, I have not seen my Experian credit score change in almost two months. I request that I need an update from Experian every two weeks. Since it is a paid service ( they debit my checking account on a monthly basis ). I am not understanding how Experian is number one out of the big three credit bureaus and not report/update my score since it is a paid service. My credit score is still XXXX as I type this. It should be at least XXXX or higher with a new added credit card. I need them to update this on every two weeks for now on since I am paying for their services.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with Experian, XXXX and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IN)

I have been contacted by a company " True Accord '' by EMAIL to attempt to collect an alleged debt that I have no knowledge of. I have never given this company permission to contact me Especially by email. This company is in violation of 15 U.S. Code 1692 ( a ) and 1690 U.S. Code1692 ( b ) ( 2 ) ( 3 ) ( 5 ). This company can not legally state that I owe a debt, especially one I have no knowledge of. I will be attaching the email, dates and how many communications I have received.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (FL)

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



CarMax Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



XXXX XXXX XXXX XXXX Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

during covid of 2020 i did nor receive mail, for bills, in a timely matter, i missed a credit card payment/. i was listed as a +missed payment '' .i paid as soon as i could., but it affected my credit rating negatively. i want my rating restored, as i pride myself with an exceptional rating.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

In XX/XX/2021 I applied and was approved for a Chase Saphire credit card. The card pricing and terms attached to application stated that the APR would range from 15.99 % to 22.99 % based on creditworthiness. The pricing information further explained that the prime rate is 3.25 % and Chase will add 12.74 % - 19.74 %, depending on creditworthiness, to determine the APR. After receiving my card I learned that my Purchase APR is 19.99 % and my approval letter states that they used my FICO of XXXX to determine my rate. The score has a range up to 900. So they added 16.74 % ( out of the range of 12.74-19.74 ) to the prime of 3.25 % yet my score was almost the highest possible. I called Chase and explained my concern asking how is it possible that Chase uses my creditworthiness score of XXXX to then add the higher margin to the prime rate? I explained that I would have expected to be towards the lower end of the margin range XXXX ie closer to 12.74 % instead of closer to the upper range of 19.74 % ). The agent said the credit analyst ( I cant remember the exact title of the person she referenced ) reviewed my application and made the right decision regarding the APR. Its very likely that no analyst actual evaluated my application because the approval decision, APR, and credit limit are all determine by an AUS that uses FICO score and income. Chase then sent me a letter stating that theres was no promotional rate available, which didnt make sense because I didnt claim there was a promotional rate ; I complained that I believe they didnt get it right when determining my purchase APR.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I am a successful business owner married to a professional XXXX. We share joint bank accounts and file taxes jointly. My business uses a XXXX American Express in excellent standing. For personal expenses, we use my husbands personal American Express card. We hold other credit cards in each of our names, however his American Express is our preferred means of paying so that we can accumulate the rewards that come from using XXXX account. 

Due to a personal bankruptcy of mine 10 years ago, I have not been able to get a personal American Express in my own name. We are forced to put all our household expenses on my husbands account. This is a source of shame that I am unable to have my own card in my own name. I have tried personally to get this resolved. Other credit card companies have given me small credit lines which over time I was able to build up. American Express will give no such process or insight on how long this will go on. They say you can continue to apply but will not say if this is an indefinite amount of time or if there is some thresh hold I must meet. Since it has been over 10 years, I have great credit I wanted to know what process I needed to go through to have this decision reconsidered. 

I was told by the New Accounts and Decisions department that they can not give me any such information. They went on to say that i need to get a bankruptcy attorney to reach out to them to get an answer. After retaining a bankruptcy attorney and paying them a retainer to review the case, American Express replied with the same automated response that they retain the right to decline any application based on a bankruptcy with no further information, only now I am out {$650.00} for the attorney and the same lack of information.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied and received a Citi Bank Credit Card in XX/XX/2021. When I received the card, the envelope was completely ripped open and I immediately notified Citi Bank and was informed it was an identify theft risk and that a new card would be sent out. I did not receive the new card for over 3 weeks and activated it on XXXX. The initial promotional offer ( which is why I wanted this card ) was for XXXX " thank you '' points after spending XXXX in the first 3 months. Well, Citi decided to 1. start the clock when they sent the 1st card which wasn't used and the offer expired on XXXX even though the promotional offer should be from card activation on XXXX ( which would extend to XXXX ). 2. I received an annual fee bill of {XXXX} on XXXX which is before I even received the replacement card!!! I spent 2 hours on the phone with a variety of people, including the first associate who informed me I needed to send a letter to a XXXX XXXX XXXX XXXX XXXX, SD which was certified by the XXXX XXXX. It is not right they did not honor the promotional value of the card, and sent the replacement card so slowly. It is incredibly bad professionalism. They finally ( after 2 hours on the phone ) agreed to credit the {XXXX} annual fee since I opted to close my card. Pending to receive a refund.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CO)

I called TDBank/XXXX  XXXX  after I was told I had a late payments I had talked to one of their agents and was informed I could make a higher payment to pay for additional months in advance. I did this in good faith that it was possible, soon after the issue resolved that i was past due. XXXX told me their wadnt anything they could but pull a call and i was told that I couldnt do it with them. I took a XXXX credit ding on this due to their agent giving false information.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Instead, they send kind letters stating they're here to help and on the backend, they are sending it to foreclosure. 

Complaining to the DA here in California is not possible because they have turned off the link to file a complaint with them and the real estate fraud occurring at the same time. 

You will see 10 notices and a loan document for me to sign attached providing proof of my complaint. They need to have their licenses revoked and fraud charges made against all parties to this property grab.
Consumer complaint received 2021-08-22
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. (FL)

I have filed several disputes for inaccurate information on my Experian report. For the past several years Experian has sent me generic letters stating they have confirmed this information. 

About 6 Months ago, I spoke to Experian and they recommended I contact XXXX and get a letter stating that this information is incorrect. I did and sent it to Experian in early XXXX. 

Again, I received a standard response, " this information is accurate ''
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-27
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts below from my file : XXXX CARD XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-05-01
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. (AZ)

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all XXXX agencies. XXXX, XXXX  and Experian. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!