davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-30
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. (RI)

I have tried numerous times to dispute the fraudulent information ( I am the victim of identity theft ) with Experian. They are the only credit bureau that will NOT investigate my items and remove them in accordance with the FCRA. 
I have recently contacted my lawyer and we filed and FTC ID Theft Affidavit ( again ) and obtained the police reports I originally filed. ( Experian has all this information ). 

I have sent Experian my 605B letter, ID theft affidavit and all required documents yet none of the fraudulent information has been blocked from my report. This is a violation of the FCRA.
Consumer complaint received 2022-07-18
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. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

i discovered on my XXXX report i have the following collection -Collection Agency -Collection Agency TRANSWORLD SYSTEMS INC Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX XXXX {$200.00} TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (IN)

I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by Nelnet. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to Nelnet, have not been serviced by Nelnet since XXXX. I received this information directly from Nelnet. 

Despite numerous attempts to resolve this issue through Nelnet 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Nelnet for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.
Consumer complaint received 2020-05-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

XXXX XX/XX/2020 I requested for a Loan Modification/Forbearance for my mortgage they replied in writing on XX/XX/2020 they denied my Loan Modification for insufficient surplus and denied my Forbearance Repayment Plan request for insufficient surplus and Special Forbearance for temp workout and permanent hardship it was my understanding when the CARES ACT 2020 was signed into law on XX/XX/2020 no matter the status of my delinquency if a borrower has a federally back loan I have a VA Loan that they are protected supposed to approve 180 days of forbearance and if my financial situation doesn't change I'm suppose to get another 180 days of forbearance I don't understand why they denied my forbearance request when CARES ACT has directed the lenders with federally back loans are suppose to approve the forbearance my financial situation has changed since XX/XX/2020 I have paid off my truck and motorcyle loan and I officially retired from my employer on XX/XX/2020 will star recieving check on XX/XX/2020 which gives me an extra income of {$2200.00} I sent an appeal letter on XX/XX/2020 stating these facts to my lender but since they totally ignored Forbearance under the CARES ACT I don't believe that they will work with me
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.

LENDMARK XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.
Consumer complaint received 2022-01-14
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. (NY)

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 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (FL)

Please accept this correspondence as an update in regard to the above-referenced matter. Since submitting my complaint to the Texas Attorney General 's Office ( Complaint No. XXXX on XX/XX/XXXX ), I have verbally spoken with a representative of Exeter Finance just a few days ago. This was to confirm my balance which was still the same has it had been for months as I have complained for months. For example : My principal balance has been {$25000.00} from XX/XX/XXXX to XX/XX/XXXX. The loan was obtained in XXXX of XXXX. I only had to purchase a vehicle because my car was totaled during Hurricane Ian. 

Today, I decided to check my online account and unbeknownst to my knowledge, a payment in the amount of {$720.00} is reflected as of XX/XX/XXXX. This payment was not made by me. The payment miraculously appears to be applied to the principal which of course reduces my loan balance. 

My question is why now? Could this be because I complained about this with the Attorney Generals Office. This basically confirms what I have been stating for months that the balance has been reported inaccurately, and IS STILL being reported inaccurately as the amount applied is STILL INACCURATE. This is nothing but fraud and a breach of the Contract as they are not accurately applying the interest/principal. I calculated my interest vs. what is reflected on their Statement of Account, and it is not accurate. I have been telling them for months, and no resolution. 

They are not only doing this to me, but there appears to be hundreds, maybe thousands who have complained about the same thing but do not have the knowledge to ascertain the difference. Please check the XXXX  records and complaints online. I do have printouts that I keep on my end. 

I am requesting that this company be fully investigated for theft, fraud, and deception.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Each time I call Citibank, I talk to an outsourced call center. I have to start from square XXXX with each person I talk with. I tell them I have tried to make a transfer from my accelerated savings account to an external XXXX account. I verify all kinds of information : my account number, my SSN, my address, my phone number, when I opened the account, when I made the transfers. Each time they tell me my account is under review for XXXX. After that time period my transferred will be allowed. FALSE! I have gone through this XXXX different times. Twice they even said they would make an alert on my account to accelerate my request since I have been having trouble. After all that, then WITHOUT NOTICE my account was blocked. I could not even access it or see the money I had in my account. After XXXXXXXX XXXX  on the phone I was able to get my account access back and they CONFIRMED I WOULD BE ABLE TO MAKE THE TRANSFER THEN. FALSE! I still was not able to make a transfer. Finally, I tried making the withdrawal initiated from my XXXX account to Citibank. It is still under review for XXXX in which that time period is already passed and my transfer is still on " hold ''. No one is able to help me, no one is able to resolve my problem and in the mean time I am not able to access MY OWN MONEY!
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

First and foremost, I want to make it clear that I did not request information from Department of Education/Nelnet because my accounts information clearly states on their website and displays that I do not owe any balances and that they are {$0.00} paid in full. This information is also read to me when I call in over the phone by the automated system and confirmed by Department of Education/Nelnet staff .

My Department of Education/Nelnet loan accounts were transitioned to XXXX effective XX/XX/XXXX. However, the Department of Education/Nelnet has not updated the loan balances to reflect that the information they have and that is currently own their website {$0.00} paid in full/closed. As a result, the loans are being double reported by both lenders Department of Education/Nelnet and XXXX for almost a year now. 

I started this dispute process on XX/XX/XXXX. I tried to see if the loans would update on their own, but they haven't. I have made numerous calls to Department of Education/Nelnet and XXXX. I even submitted disputed the inaccurate information through the credit bureaus dispute process and uploaded supporting documentation as evidence. 

I still have not been completely successful. When I call into Department of Education/Nelnet I am given conflicting information. One individual advised it should be corrected with an updated file to the bureaus. A supervisor advised they are aware of this problem and that this is impacting other borrowers. The supervisor also advised the Department of Education advised Nelnet not to report on an old loans ( meaning they longer have the ability to make the updates ) and that XXXX was responsible for making the changes. I called XXXX and they advised It's Department of Education/Nelnet 's responsibility. 

I am continuously getting the runaround and this is impacting affecting my credit and scores. I have absolutely no late payments of balances. When trying to apply for a new loan we are being questioned about the student loans that are being double reported. This is ridiculous. The Department of Education/Nelnet has been violating the Fair Credit Reporting Act for almost a year with no consequences.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Bankruptcy XXXX  XXXX Docket Identifier 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX a double wide mobile home was completely paid for the owner tried to transfer ownership of this mobile to myself and my daughter in XXXX. He found out the lien was never released and in XX/XX/XXXX he contacted Bank of America, after we all spent 7 months of fighting with Bank of America to release the lien on the titles, one clear title was received and transferred however Bank of America never took the lien off the second title. Until selling the property and having a closing date of XX/XX/XXXX we were unaware that this lien existed on one half of the mobile. The buyer is now wanting to walk away because Bank of America has this lien on the title and we are going to loose the cash sale, we were not able to close on XX/XX/XXXX due to this lien. I have been in contact since XX/XX/XXXX with Bank of America and am tried to get them to sign a lien release for the AZ XXXX but they are saying because it is from so long ago they need time to research in order to sign a lien release and are not getting in any big hurry to remedy this situation that they have caused. We have bill of sale for both the title documents notarized by the original owner in XXXX, he died in XXXX. Just received a letter from Bank of America XX/XX/XXXX claiming they sold the loan that was paid off in XXXX and are unable to process the request to release the lien on the half of the mobile they were supposed to have released in XXXX. They know that unless this lien was released immediately, we loose our buyer to our home. As of XX/XX/XXXX a letter was received from Bank of America regarding releasing the lien this is what it said : The number is worthless to call because you have to be current customer with an account number to access any of the numbers to Bank of America. None of the other people I finally got ahold of will call me back to tell me who they sold a paid of lien to. 
Bank of America XXXX XXXX XXXX XXXX, NC XXXX XXXX, XXXX XXXX Your home loan lien release request has been cancelled. 
Date : XX/XX/XXXX Reference No : XXXX XXXX Address : undisclosed, Arizona " What you need to know We are unable to process your lien release request because : Bank of America either sold or transferred your loan to another financial institution What you can do lf you have additional documentation or proof of payoff, please ca!! the number listed be! ow and submit a new request. 
We're here to help We appreciate the opportunity to serve your financial needs. If you need further assistance, please call us at XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (CA)

Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXXXXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
Consumer complaint received 2024-03-06
Product: Credit reporting 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: LEXISNEXIS (NJ)

ON TWO OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND LEXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (OH)

My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of XXXX debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and XXXX by different debt collection agencies for the same loan. The first XXXX debt collection agencies dropped their claim after I requested a debt validation letter. The fourth agency is still pursuing the collection after having sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last XXXX numbers of my social security number. All easily obtained by criminals.The transaction with CASHNETUSA had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

Didn't receive enough information to verify debt. 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.