davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NH)

This is both a complaint and a Freedom of Information Request to  Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). 
Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-10-15
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. (CA)

I never had a XX/XX/XXXXXX/XX/XXXXcredit card. They are Reporting a {$1000.00} XX/XX/XXXX credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit
Consumer complaint received 2021-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraud stated in my XXXX XXXX as a result of identity theft. 
I want to see what I can do to resolve this issue and I can't open any bank account as a result of it.
Consumer complaint received 2020-07-20
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. (LA)

XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX/XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing the cfpb out of extreme desperation. The credit reporting agencies have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never received any written acknowledgements from XXXX with the options to opt out. This has caused my family great harm because I have been denied the privilege to buy a home, purchase a car with affordable rates. I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974.

Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been fighting for years to rectify fraudulent activity, names, addresses, social security numbers, accounts. I have even talked to multiple customer service representatives and they have hung up in my face and refused to put a freeze on my account. Ive been a victim of Experian breach they have failed me and my family. i have feared of someone getting a hold of my information. Because i get alerts that my info has been placed on the XXXX market or the dark web, this has placed my family in harms way. I just want to live my life in peace and not fear that I'm in jeopardy. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. 
You are also aware that reporting income on a credit report is against federal law. Charge offs are considered a certificate of indebtedness which is income, why are they still fraudulently reporting these accounts. 
It is also illegal to report transaction history on a report. 
XXXX XXXX XXXX CFR XXXX Please uphold your fiduciary duties to report accurately. I am invoking my rights to privacy according to the privacy act of 1974. I am also invoking my rights to opt out.
Consumer complaint received 2024-02-22
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
AXXXX 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 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 XX/XX/XXXX
Consumer complaint received 2021-11-05
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-20
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. (FL)

XXXX, TransUnion, and XXXX  continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Consumer complaint received 2018-06-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

There has been previous issues involving Bank XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX  XXXX OF : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - XXXX  XXXX  : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX  : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX XXXX  : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  XXXX NA  : XX/XX/2021
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to Experian and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I pulled my credit report in XX/XX/XXXX for TransUnion and noticed a hard inquiry that I did not authorize. The hard inquiry was from XXXX XXXX XXXX and happened on XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the fraudulent activity and dispute the inquiry, I also placed a credit freeze on my file. I was told by TransUnion that I had to send a letter to them with my name, social, address, phone number, and item I am disputing that I couldnt just dispute it over the phone. So I mailed the documentation they asked for. All I received back is a letter dated XX/XX/XXXX explaining to me what a hard inquiry is, they have still not removed it. 

The same day I contacted TransUnion XX/XX/XXXX, I contacted XXXX XXXX XXXX. I reported the the application that was placed with my information as fraudulent and asked them to contact TransUnion to help me get the hard inquiry removed from my credit report. I received a letter dated XX/XX/XXXX stating they marked the account as fraudulent and that they submitted for the credit inquiry to be removed. 

I have done my part, XXXX XXXX  XXXX has done theirs. Once again trying to work with TransUnion has been nothing but complicated and they are not doing their part in removing the fraudulent activity from my credit report. TransUnion continues to be the most difficult credit bureaus to work with of the 3.
Consumer complaint received 2018-06-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CU Recovery, Inc. (IA)

received 2 title loans from XXXX XXXX XXXX XXXX XXXX XXXX. payments were made and then fell in to a financial problem. hours of work were cut and income went down and then both vehicles went down with problems. couldnt make payments for a while and then went to collections. received calls from a XXXX XXXX from CU Recovery. he called my work in XX/XX/2018 and spoke with him. he said to call him back in which we did. he wanted my wife to take loan out of her 401k to pay him which we explained we couldnt do it because we had taken a loan out already for medical costs. next he wanted us to take out a loan from family or friends and explained we couldnt ... nobody had the amount he was wanting. he even trheatened to sue us, which scared my wife. anyway on that call we made arrangements to use our tax refund when we received it to pay him but told him we would not get it for a couple of months. we made the agreement that we would pay XXXX a month until tax return came and then pay the balance of which was {$3000.00} and he said once we paid the settlement offer off, we would get our vehicle titles back. we paid this off and got a notification letter from XXXX XXXX that it was paid. last we have heard from him about anything. have tried calling the number that he would use to call constantly and have texted but no replies have been received from XXXX XXXX at CU Recovery. We did our part and paid off the settlement offer in full, now we are expecting CU Recovery and XXXX XXXX to fulfill their part! all we want is our vehicles titles ... they acted on XXXX XXXX XXXX XXXX XXXX XXXX part..so they are soley responsible for this matter.
Consumer complaint received 2020-05-12
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (FL)

On the occasions I mail a copy of the front and back of me insurance and irhythems did nothing today I receive a letter from Revco a collection agency telling me I owe XXXX I have been in XXXX after my admission and this is the first letter I receive when I call the first time to collections agency they hang up the second time I call XXXX they connect to calle toon on three occasions I send XXXX my insurance which is a tripe of XXXX but threw the county now they say I owe it because its over one year however I had contact with irrhythem on three occasions and gave insurance info. This is not my debt
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

This is the second time with the last 12 months that Nelnet has lost my payments. I reported them back in XXXX and they finally credit the 5 months worth of payments. I made payments in XXXX, XXXX and XX/XX/XXXX and those payments seem to be lost. They have been contacted and proof of payments but as of date, I heard no further status from them nor are my payments showing on my account. The following payments have been made : On XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$92.00}. The XXXX payments XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, XX/XX/XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, {$92.00}. 

I shouldn't have to provide them with my checking account statements each month. XXXX XXXX XXXX XXXX claims the payments are being deposit to their account and they received the handshake back that there were not any issues. I have been making payments this way for several years but something Nelnet started doing or not doing in XXXX, XXXX which is when this problem started.
Consumer complaint received 2024-02-22
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/2016 and a balance of {$2100.00}. 

It is to my understanding that this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2019-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following fraudulent accounts and credit inquiries listed on my Trans Union credit report is fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX MasterCard credit card account, XXXX XXXX XXXX XXXX Visa credit card account, XXXX XXXX XXXX XXXX credit inquiry, XXXX XXXX XXXX XXXX credit inquiry and XXXX XXXX XXXX XXXX credit inquiry.
Consumer complaint received 2019-06-02
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. (AZ)

The following XXXX XXXX XXXX XXXX credit card account listed on my XXXX XXXX, XXXX  and Equifax credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.