davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SC)

I had loan forbearance on loans I took out in XXXX through most of XXXX XXXX. Upon finishing my XXXX in XXXX I paid off the entire loan. Then, beginning in XXXX, Navient claims that some money was left on the loan. When I called to ask, they said that interest might have accrued on the loan in between when I looked at the amount due and when the loan was paid. But they were uncertain what had happened. When I looked, that was not the case. Interest was added on the last business of the month, and the loan was paid on XXXX XXXX using the total amount due on XXXX XXXX or thereabouts. I asked Navient to have someone look at this for me, but they have not contacted me about it in three weeks. In order to avoid default, I paid the {$100.00} that they said I owed. But I would like to get that money back if possible.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-26
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. (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to the Department of Education / Nelnet via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Dept of Education / Nelnet has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Consumer Financial Protection Bureau Subject : Complaint against XXXX for Violations of FDCPA and FCRA. 


Dear CFPB Employee, I am writing to file a formal complaint against XXXX for their repeated refusal to respond to my disputes, thereby violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, XXXX is obligated to respond to my disputes and delete the disputed account if they fail to respond within 30 days. 

Details of the Complaint : 1.The FDCPA Violation : Despite my multiple attempts to communicate with XXXX regarding a disputed alleged debt, I have received no response whatsoever. This complete disregard for the FDCPA 's requirement to address consumer disputes in a timely manner is unacceptable. 
2. The FCRA Violation : According to the FCRA, any entity that fails to respond to a dispute within 30 days must delete the disputed item from the consumer report. However, XXXX refusal to acknowledge my disputes and their failure to act within the legally mandated time frame goes against this crucial consumer protection legislation. 

I have made several attempts to resolve this matter directly with XXXX, but their lack of response has left me with no alternative but to escalate my complaint to you.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX : Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX, Office # XXXX XXXX, Texas XXXX Re : Notice of Data Breach and impact on credit report profile FTC Report number : XXXX Dear XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX, and all other consumer and background reporting agencies reporting due to the data breach of the data from XX/XX/XXXX until now : This has also been filed through the FTC complaint database per case number XXXX : XXXX XXXX - {$930.00} XXXX XXXX - {$4700.00} XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX- {$4000.00} XXXX - {$3700.00} Dates associated with the items being disputed : From approximately XX/XX/XXXX until the present day This information is inaccurate and fraudulent as these accounts were opened unaware after the XXXX data breach. Also, I have also been denied gainful employment because of the reporting of my background/financial/credit report as a result of the derogatory reporting on my credit profile that resulted in the loss of over {$100000.00} yearly over the next 5 years, plus other credit opportunities that have been denied for the same reason. 
The report shows I currently owe money to these companies that I have already repaid and/or have not been authorized to open by me. 
o The delinquencies on my report are not accurate. 
o Im the victim of identity theft and I dont recognize insurance business done in my name in another state ( North Carolina ). XXXX has contacted me via email about the concern and is threatening to terminate my credentials, which would have a substantial impact on my career and finances. 
o I have also endured hardship with other recent employment where my information was seen to be compromised and almost resulted in the loss of employment as well as information being tampered with in E-verify, which all resulted in my denial of employment and credit. 

I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NV)

I have file several complaints on this company For the last three years and its getting to a point Im honing to file a lawsuit they flagged my credit profile saying its a flagged collection account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I attempted to reach out to them again directly and on the XXXX app with disputing without any luck on XX/XX/XXXX I reported them to the XXXX  XXXX  XXXX ( XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Aargon Agency Inc, they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MD)

A few months ago, Aargon Collection Agency sent me a bill saying that I owe them money. I've never done business with them. The alleged creditor is apparently XXXX XXXX XXXX, who confirmed to me that I don't owe them money. They have sent me another notice dated XX/XX/year> making the same claim ( although they now claim a payment was made on the account. If so, the payment did not come from me. ) This appears to be a scam, especially since XXXX can not find any bill that I owe on, and XXXX has provided zero documentation that I owe XXXX anything.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been trying for over XXXX year to advise XXXX that this account was fraudulent, opened with stolen information,. XXXX keeps advising that the account is verified based on wrong, and stolen information. They verified an address I have never lived at, and an account I never had nor received any financial information on, like monthly statements or tax information, and I established communication with XXXX to advise of this fraudulent account, because they have no information on me, because I didnt open, or have any expressed knowledge or consent about this account. Now XXXX expects me to pay, on their mistake Thank you XXXX XXXX XXXX account XXXX
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I scheduled a federal student loan payment for XX/XX/XXXX  through Nelnet, my assigned loan servicer. On XX/XX/XXXX  my payment is still showing as " processing ''. During this time interest is still being added to my account as if I haven't yet made a payment, unfairly punishing me for their slow payment processing service. 

If this were a one-time issue it would not be a huge deal as the extra interest would only amount to a few dollars. However, over the course of a 10,15, or 20 year loan it could easily amount to thousands of dollars in extra interest paid due to Nelnet 's extremely slow processing service. This unfairly punishes the consumer with extra interest charges despite it being no fault of my own, and in turn unfairly enriches the servicer. 

I've heard of many other Nelnet customers with the same experience and I'd like to this to be investigated and remedied as soon as possible. It's either not possible or extremely difficult to have your federal student loan servicer switched to a different servicer, allowing these companies to get away with things like this. It's incredibly frustrating, unjust, and should not be allowed to continue any longer.
Consumer complaint received 2024-02-28
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: Nelnet, Inc. (AL)

I am writing to formally dispute inaccuracies in my credit report concerning late payment reports that do not accurately reflect my payment history. I have reviewed my credit report and noticed that late payments are reported for XX/XX/year>, which is incorrect. These payments were made on time, and I request that these entries be corrected to reflect " Paid as Agreed. '' Account Information for Reference : Account Name : Nelnet Account Numbers : XXXX, XXXX XXXX Disputed Information : Late payments reported for XX/XX/year> Action Requested : I kindly request that the above-mentioned late payment entries be investigated and corrected to accurately display as " Paid as Agreed. '' This correction is crucial for maintaining the integrity of my credit report and ensuring it accurately reflects my payment history.

Procedure : To the Credit Bureaus : I am filing this dispute under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and request that you investigate these discrepancies within the mandated 30-day period. Please inform me of your findings and any corrections made to my credit report.

To Nelnet : I also request that you review your records regarding my payments and update the credit bureaus with the correct information to ensure my credit report accurately reflects my payment history.

I trust that you will handle this matter with the urgency and seriousness it deserves. Ensuring the accuracy of my credit information is of utmost importance to me, and I appreciate your prompt attention to this issue.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (CA)

I applied for a secured credit card from XXXX XXXX on XX/XX/2024. I submitted a " fund later fee '' of {$29.00}. I was not in the position to deposit the required {$200.00} on XX/XX/2024. 

On Saturday XX/XX/2024, I received a message from XXXX XXXX that my application was not approved. 

I called XXXX XXXX on Tuesday, XX/XX/XXXX, to request a refund of the {$29.00} " fund later fee '', I was told that this fee was the same as the application fee and it would not be refunded. 

I feel that the {$29.00} " fund later fee '' should be refunded, upon denial of the application I was not able to the card later.
Consumer complaint received 2020-07-01
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2020-07-01
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (NC)

I received a letter on XX/XX/XXXX from my local tax department stating that my property taxes were delinquent. My taxes are held and paid from an escrow account with my mortgage company, Regions. I reviewed the property tax section of my Regions account and saw where an amount was paid that did not match my original property tax bill. I contacted my local tax office and they stated that no payment had been made to my account. I contacted Regions and customer service stated that the parcel ID number on my Regions account differed from the one on my tax bill and county GIS, and they are unsure what account the money from my escrow account was paid to. I was informed that Regions would be responsible for any fees and penalties related to this bill being that the issue was on their end. I have spoken with numerous customer service reps over the last week and a half that assured me this issue was being reviewed by Regions tax service and that the bill would be paid before the due date. I received a call from Regions customer service today stating that they have been attempting to get an update from their tax service for two days but they have not received a response from them, so they could not guarantee the bill would be paid on time. Due to this and threats from my county tax department of foreclosure, wage garnishment, and having my name posted in the newspaper, I paid the full property tax amount out-of-pocket, which was over {$3200.00}. Outside of paying the bill and penalties on time, which they failed to do, Regions has not offered a resolution to this issue.
Consumer complaint received 2020-07-01
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX/XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NM)

I filed a dispute against fair collections & out ( XXXX XXXX in XXXX TX ). I filed the complaint as me Rent/fees were waived due to a break in. XXXX XXXX was the apartment staff at the time who we had to tell about our break in. I attached PDF images of the emails back and forth between me and XXXX and she did per her own words Waive the Rent. My girlfriend and I lived there and she also disputed it. Hers was corrected and removed from her credit and mine has been there for months. I spoke to XXXX on the phone a year or more ago saying they would process it and nothing has been done. Its a XXXX dollar debt but it was unfairly charged otherwise I would have paid it already. Please fix this, I feel discriminated as a XXXX citizen.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/XXXX, XXXX migrated my mortgage to SPS ( Select Portfolio Servicing XXXX ). I sent SPS the XX/XX/XXXXmortgage payment from my bank account bill pay on XX/XX/XXXX. On XXXX I discovered SPS automatically withdrew the same amount, {$4900.00}, on XX/XX/XXXX. I called SPS on XXXX to ask to cancel any auto withdrawals and to credit back the {$4900.00}. 18 calls later ( XXXX, XXXX, 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, XXXX ) and more than 60 days later I still hear the same thing from a supervisor that " it is in process ''. I've also called their Ombudsman line XXXX but have the impression after speaking with XXXX that they take a passive stance and will notify me - same thing I hear when talking to a rep or supervisor.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

PNC has made changes that doesn't allow reputable investment services such as XXXX to be linked by the account owners. The XXXX service is completely secure and allows its customers additional ways to easily save for their future.