vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ND

Complaint narrative:
Hello! I am having some issues dealing with my servicer. 

My husband had a direct consolidation loan that is from XX/XX/XXXX. Let 's call this " Loan A '' My husband also took out a XXXX XXXX loan on XX/XX/XXXX " Loan B '', " Loan B '' was consolidated to a direct consolidation loan on XX/XX/XXXX. Let 's call this " Loan C '' My husband then consolidated Loan A ( the original consolidation loan ) with " Loan C '' ( the XXXX XXXX loan that was consolidated into a direct consolidation loan ) on XX/XX/XXXX, which leaves us at " Loan D ''. 

With that being said, the XXXX XXXX loan was consolidated into a direct loan, and then consolidated into a different consolidation loan, which was supposed to take the XXXX XXXX XXXX XXXX designation out of the picture, thereby making us eligible for more payment plans. After contacting both XXXX and Mohela ( our servicer ) we keep getting told that he is only eligible for XXXX repayment. 

We are very frustrated because we followed all the advice given to get rid of the 'XXXX XXXX XXXX designation, but it appears that it was for nothing. If we consolidated the XXXX XXXX into a direct consolidation, and then consolidated that direct consolidation with another loan, why are we still only eligible for ICR? 

Thank you for any help you can offer! 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted Experian, XXXX, and XXXX to look into these accounts as they are fraudulent, and to no success have I been able to get any help with a investigation. I did receive documents from XXXX XXXX and the card was still for someone else business that is not affiliated with me at all, but they still opened the card. 

I've never even heard of XXXX XXXX, there is no way I would ever pay this amount for something and not know what it is. This is fraud. I have never made a payment to them, yet they say I did and none of these credit bureaus have provided documentation of their investigation. It just says Updated and only the date change. It also says that this account is open but no " imaginary '' payment has been made since 2021. The last red flag was that the monthly payment says {$0.00}, but the account is open. This is fraud and misuse of my credit report. 

I never signed up for anything with XXXX XXXX XXXX XXXX, policy states that I must be married and be at least middle class, but the date they had this open I was on food stamps. I couldn't afford to even qualify for something like this and when I tell them it's fraud, to send documentation. They hang up on me. I still can't afford this and I've never been married. Who is the joint person? This hasn't been disclosed either. 

None of these credit bureaus have done any due diligence in investigating these accounts properly. I would have submitted these with the last complaint, but they were still pending investigation. The last complaint was removed from my credit report and then magically these were completed with Experian. These are shady business practices. I have submitted my documentation and these accounts should be removed from my report. Please help with aiding in this process.

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 2024-04-26 00:00:00
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: Exeter Finance, LLC.
State: MS

Complaint narrative:
I am writing to file a formal complaint against Exeter Finance for their improper treatment of my payments on my credit account. I believe that their actions are in violation of consumer protection regulations, specifically the Fair Credit Reporting Act ( FCRA ) which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I paid the car off early we settled on an amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
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.

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 a 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 informationisinaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Exactly sure what the issue is there is an address a physical address that you can mail to dispute or if you have a question or anything like that theres a physical address to contact the credit card the bank will. I use the one specifically for disputes and fraud I wrote a very detailed letter explaining that my phone was lost, someone had access it and the card that I wan na start the investigation on was on file and thats how they got access to it and they charged up a bunch of stuff all from one website but so far they have not started the fraud investigation I dont know what else they could possibly need to know and if they do need to know something else why havent they sent a letter asking me lets not make this more difficult than it needs to be. Just send me a letter with XXXX however, many questions you have so I can answer them. I dont wan na do it over the phone because I want there to be a paper copy. I want there to be a paper trail so that, if down the road, we still continue to have this problem I can show that Ive done my part. I have attempted for over a month now to start this fraud investigation and Im going to be very upset if you start to report my account past due or you start charging me finance charges on something it doesnt belong to me if you have a question ask Theres absolutely no reason why I have to call you XXXX. You can send an email. You can send a text. You can send a regular letter but the balance should be disputed this fraud. I did not make any of those transactions. They are all from the same company. I have never use this card. We got it, not long after this happened. We never had an opportunity to use it so the card should have a zero balance at this point we should not be liable for any of those charges. We did not make them. My authorized user did not make them know. I didnt give anyone permission to make them. The card was on file and they found my phone they were able to login because XXXX remembers all your passwords, in this case it wasnt so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-26 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: IL

Complaint narrative:
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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Consumer ID # XXXX Ref # XXXX Dear XXXX XXXX XXXX : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from Bank Of America XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from Bank Of America. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by Bank of America. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at Bank Of America that you contacted in the course of your investigation Please also be advised that a verbal confirmation from Bank Of America does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ XXXX ] Attorney XXXX office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my XXXX XXXX XXXX file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: New Century Auto Sales, Inc.
State: IL

Complaint narrative:
Good Morning Rightway Auto, I have spoken with my representatives after making a claim against rightway due to denial of service. It seems that you all have a private arbitration offering to dispute any application discrepancies. Since I did show proof of my income but was denied without proper reason. I will be pursuing my claim of consumer discrimination against FCRA and consumer laws. 

Please let me know how Rightway Auto would like to proceed. 

I have BCCd local public and private representatives this email for protection. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.

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 2024-04-26 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:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-04-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AR

Complaint narrative:
In XXXX of XXXX, I reentered into payments with Nelnet and was paying under the XXXX plan per their billing statements. I made every payment timely and my interest, per the statements, was decreasing by {$3.00} per month ( verifiable by Nelnet 's billing statements covering XXXX ). 
In late XX/XX/XXXX I was sent a notice to recertify for my payment plan for the new period set to start in XXXX. I completed this process twice in late XXXX ( the second time was because Nelnet was sending me letters stating they need my checks to process a deferment -- I never requested XXXX and spoke to Nelnet who said I must have completed my recert wrong so I needed to do it again ). Nelnet then took it upon themselves to repeatedly put me into forbearance causing loan interest accrual of approx. {$900.00} NOT covered by the XXXX plan AND the inability to make PSLF qualifying payments for XXXX, XXXX, and XXXX. I spoke to Nelnet several times regarding this and they refuse to adjust for any hardships placed on me via their actions completed without my consent. 
I spoke to a Nelnet Ombudsman today ( XX/XX/XXXX ) who reported to me that all the above is proper way to handle recertifications in early XXXX per the department of DOE. I called the DOE to confirm ( as this sounds ludicrous ) but was unable to get through. 
I have a trove of digital evidence to confirm not only the above, but I wide verity of examples of Nelnet and the DOE ignoring my pleas for help, sending me multiple requests for information they are not entitled to, and so much more. Please, if you require ANYTHING from me to verify my statements, I will be happy to provide such items. 

Of note : The uploaded statements reflect payments made during the months in question and while in forbearance. The last payment I made is {$20.00} on XX/XX/XXXX to be applied to my XXXX bill. The other payments were " made '' by Nelnet taking it upon themselves to apply my continuous {$4.00} overpayments to these months rather than the month I paid them -- again without my consent. I wanted to pay every month to make qualifying PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act.

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