vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT This is regarding Nelnet and their alleged, questionable tactics of servicing. I initiated a student loan consolidation from Nelnet to XXXX on XX/XX/XXXX. I have kept in contact throughout this process with both servicers to ensure a smooth transition. I logged in to my Nelnet account and it showed that the payoff was received XX/XX/XXXX ; and XX/XX/XXXX, respectively. However, after further review, I had a principle balance of XXXX cents ; which insinuates to me that the payment was shorted in this amount. I called Nelnet and I attempted to pay the XXXX cents balance with my debit card and the representative was unable to process it. She emailed her supervisor and was told by this supervisor that it would take 60-90 days for the closing process ; then was told by the end of this month ( XX/XX/XXXX ). I asked the rep which is it, as I need a definitive date. The supervisor then told her the end of this month. The representative could not tell me why a balance of XXXX cents was left on my account. So I then asked for them to close it out immediately, as this is still showing on my credit report. I asked to speak to their Ombudsman, but was given the phone number to their state Ombudsman and not the financial aid Ombudsman. I believe that Nelnet is purposely and fraudulently attempting to keep my account open, after it has received its payoff from the new servicer ( XXXX ) ; and ruining my credit utilization by not reporting " PAID AND CLOSED ''. Additionally, for them to tell me that it would take another 60-90 days to process this closure is unacceptable. After being given the incorrect information on contacting the financial aid Ombudsman, I called Nelnet back and processed the XXXX cents payment through their automated system. I have attached documentation from my account dashboard showing a XXXX ( {$0.00} ) balance ; and the dates of payments made. A further investigation needs to take place regarding Nelnet and their practices. I have attached all documentation including Identity verification documents. Thank you CFPB for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: LoanCare, LLC
State: TX

Complaint narrative:
I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM LOANCARE OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.

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 2024-01-16 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: CT

Complaint narrative:
I recently became aware that unauthorized accounts XXXX XXXX, XXXX XXXX XXXX was open on XX/XX/2023, the balance is {$340.00}, XXXX {$340.00}. Addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, NY XXXX, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Received a phone call I was being sued and there was a court summons they were trying to deliver. Was given the name of the law firm of XXXX XXXX XXXX with the phone number XXXX. Called the number and told them it was discharged in bankruptcy. They said it wasn't listed. I told them I could send them a copy of the discharge papers and he said, " I can take care of it. '' and hung up. I called back and asked for their address and was told XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, Texas. This address is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO BANK reported to merchant XX/XX/XXXX and bank and bank has not been communicating and claims reports hasnt been filed in system and have zero to little information and has not closed account or sent new card out. and continues to delay the 10 day period for status. They deliberatley have not communicated and will not transfer to correct fraud department and say they are busy and to call back. Bank is not protecting their costumers and leaving them to deal with fraudulent and unauthorized transactions to the customers and telling them its our fault. when clearly they have been negligent on their lack of investigations as they claim to do so. 

XX/XX/XXXXXXXX  MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXXXXXX CA XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$1500.00} total amount- {$2500.00} fraudulent account transfers

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 2024-01-16 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:
I am writing to bring to your attention a matter of significant concern arising from the Equifax data breach of XXXX, which has resulted in the illegal sale and purchase of my personal information. Despite Equifax acknowledging my victimization in this breach, no corrective measures have been taken by them to rectify the associated issues with my credit reports. Enclosed herewith is evidence substantiating Equifax 's admission of my status as a victim of the aforementioned data breach. In light of this, I am formally requesting the immediate deletion of the following illegal accounts from my credit reports : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect the Consumer Financial Protection Bureau to utilize its authority in this matter and ensure that Equifax takes immediate action to rectify the inaccuracies in my credit reports. This includes the complete removal of the aforementioned illegal accounts and the expeditious resolution of any related issues. Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will act decisively in upholding consumer rights and holding Equifax accountable for its negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I dispute this due to inaccuracies in reporting to credit bureaus. Please see attachment where according to my XXXX credit report it states this account was CLOSED. Whereas, it is still showing up on my XXXX on both XXXX and XXXX, causing Damages to my score negatively impacting it by false-inaccurate credit reporting. 

Please advise, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC. They did not provide me with original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX OPORTUN/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Opt-Out Request for Account Number : XXXX Dear OPORTUN/XXXX  I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974. 
Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report.

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My information was illegally obtained and sold in the XXXX breach. Ive tried to call and write Trans World Systems to dispute this debt but they refuse to respond.Trans world Systems is on my credit report and Consumer Credit report stating I owe them {$690.00} ( XXXX XXXX ) I am not aware of any money owed for this debt. I have no knowledge that this debt belongs to me. I am asking for this debt to be removed from my credit report and Consumer Credit Report immediately. This debt is causing my credit score to drop and Im having issues securing loans and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Madam/Sir, I hope this time you will be able to help me remove these 2 remaining inaccuracies on my credit report. I have reported these erroneous reporting for numerous times and nothing happens. They would declare that it were all verified but they have a very confusing and different narrative of information especially on the ( 1 ) date of last active, ( 2 ) account details or type, ( 3 ) date of payment, as well as on the ( 4 ) Two-year payment history.

Due to these inconsistencies and big disparity of details from you to another credit bureaus, I would like to assert my stance to have these inaccurate accounts be REMOVED on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
My escrow accounts keeps failing into the negatives. I havent missed any payment so Im not understanding why Im constantly having a negative escrow balance. I tried to call company but the phone system isnt allowing me to speak to anyone. I feel like my payments is being mishandled and Ive had similar problems before on this issue.

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 2024-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt was paid to XXXX and bank statements reflecting payment of the debt was provided to XXXX XXXX. Bills equaling amount owed lined up with dates and money was taken from my account by XXXX. This was part of the reason we left XXXX. Then The collection just keeps getting sold and Jefferson is now acting like it is a new debt. How long will XXXX 's mistake pursue us? Now the transaction was so long ago that I will have to have my bank pull the transaction history because it is no longer available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM XXXX  OR XXXX AND I XXXX XXXX XXXX ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.

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 2024-01-16 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: PA

Complaint narrative:
Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, Experian, and XXXX. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX ( {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports. 

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records. 

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove. 



Sincerely,

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