vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I called NELNET on XX/XX/2023 I tried to get in contact again both via email unsuccessfully, and on the phone. They do not respond with anything helpful, and do not pick up the phone ( today I was on hold for over an hour and a half until I finally gave up ). 

Nelnet has been blaming the department of education and anyone else they can for their incompetence. I have been trying to get my loans off a forebearance that I was wrongfully placed on since early XXXX. This was a forbearance that I opted out of on 2 different forms ( minimum ). The first time I called the rep told me I need to call the department of education. I called the department of education and they told me this was incorrect. I called NELNET again ( extremely long wait time I had to miss a few hours of work for ). The representative on the phone blatantly lied to me and did not do anything to remove this forebearance despite claiming it would be removed within 2 weeks and all interest accrued would be corrected. 

Yes, CONVENIENTLY for Nelnet this problem occured when interest started accruing again, and they have been charging me interest on my loans that I have no way to set up autopay on ( SAVE is supposed to forgive any excess interest that isn't covered by the monthly payment ). When I called them they lied to me and told me they would remove the forbearance from my account- which they didn't do. Here I am stuck holding this ticking time bomb. Begging for help in any way possible. I am considering giving up and going on strike. My life is already ruined by these loans anyway. 

Meanwhile Nelnet sends me emails that don't make any sense. They have given me 5-6 different monthly payment totals. I have no idea who to contact or how I can get this resolved. I have tried calling the us dept of education ( federal student aid ) and they can't do anything about it. They says it's managed completely by NELNET. 

I can't believe these are federal loans being managed so poorly, and at MY expense. I have no idea how I will ever have a life that is not in a chokehold from the crippling debt, the system state of chaos, trying to understand the legalese, from my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 

XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX XXXXXXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
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.
State: GA

Complaint narrative:
My credit report was impacted by XXXX date Breach and false information sold and was report to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report was impacted by XXXX date Breach and false information sold and was report to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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.
State: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX  XXXX Account name XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Went to dispute an item and the verified it but yet it was paid off and also all three of the credit bureaus are reporting different items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am new in this country and I never have a credit card how do I get one while my credit report is missing? My credit report is missing because I have never one. Why am I being punished for being new in this country? Where should I start to get credit card?

Please in your report make the option of considering those who never have one otherwise I feel discriminated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was corrected. 

It is paid in full and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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.
State: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
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.
State: IN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Massive illegal unauthorized fraudulent transactions and charges to all of my accounts. Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent illegal transactions and charges despite XXXX  police report XXXX and other evidence so I have requested statements for all of my accounts in 2019 so I can give them to local and federal government bureaus and agencies to get their help to get Wells Fargo Bank to accept responsibility for the illegal unauthorized fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was corrected. 

It is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was corrected. 

It is paid in full and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I have never missed a student loan payment. I have always ensured that each payment I made was sufficient to cover the interest being charged and prevent the loan balance from growing via negative amortization. 

I made my first student loan payment ( since the pause ended ) on XXXX. I paid {$550.00}, more than the minimum payment.

I have 4 loans totaling $ XXXX with a weighted average effective interest rate of 5.7 %. Based on this, I expected my first-month interest charge to be {$230.00}. And therefore {$550.00} - {$230.00} = {$310.00} would be applied to principal.

EdFinancial applied {$340.00} of my payment to interest and only {$200.00} to principal. I am not sure how this could be possible given that I have never missed a payment or paid an amount that would result in interest accruing or negatively amortizing. This is an effective interest rate of 8.4 %, which is quite simply... outrageous. 

I have no idea how this could possibly happen. I want an explanation from the servicer to explain how they arrived at this interest charge. And their customer service has been completely unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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.
State: SC

Complaint narrative:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I applied for SAVE program XX/XX/2023. My application showed as reviewed and completed by Nelnet, my loan servicer, as of XXXX XXXX. My account showed a balance of over {$700.00} due XX/XX/XXXX, while studentloans.gov showed {$590.00}. 

I called Nelnet XXXX XXXX. I had to wait through a hold of nearly two hours. A customer service representative informed me that the company is delayed in approving the SAVE applications and I should expect that I would be placed into an administrative forbearance again if the due date were reached and Nelnet had still not completed their review of the application. She confirmed that the amount should and would match studentloans.gov. The entire call took less than 5 minutes. 

By XX/XX/XXXX ( today ), my account showed a past due balance of the incorrect amount previously mentioned, and had now doubled as the same amount was now due for XXXX as well. 

I called Nelnet and again was placed on a hold of nearly two hours. The customer service rep who helped me this time again told me that the application had not been processed because Nelnet is behind. She informed me that my only options to avoid past due payments piling up and affecting my credit were paying the current balance or to be placed into a hardship forbearance which would be removed once the application is processed. I was informed the forbearance does not count toward my months paid as I work toward forgiveness under the Income Driven or SAVE plans, even though none of this is my fault and I would have paid the correct amount had Nelnet finished their review. I agreed to allow the Nelnet representative to place me into the hardship forbearance, as that was my only option because I can not afford to pay the due amount, which is now more than {$1500.00}.

Throughout this entire process I have never received any correspondence about my application from Nelnet, despite the original guarantee that I'd hear something within 5-10 days of when I applied as well as every 10 days following that. The representative said the company is aware of problems with this correspondence, but she could not provide me any information in writing to confirm.

I was also informed that once the application is reviewed by Nelnet, I'll be required to pay a {$5.00} fee to move my loans into the SAVE program, which seems outrageous considering I'm already paying hundreds of thousands of dollars and have had such a nightmare getting any communications from them about this move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
ACCOUNT NAME XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation