davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

To whom it may concern : Let me start by saying that I am in a uniquely advantageous position related to my student loans. I graduated from XXXX in XX/XX/XXXX and started to pay back my loans in XXXX. I was able to secure a job that provided me the ability to repay my loans at an extraordinary rate. Through the first couple of years I made minimal payments to Nelnet ( my loan servicer ). They processed these payments in a timely manner and I never had a complaint. However, once I started making much larger payments Nelnet was suddenly unable to process these payments and I kept receiving news that my payments did not go through even though they went through the month before with the exact same banking information. So, I would call and explain to their representatives that the banking information has not changed and they would politely inform me that I could retry the payment and all would be forgiven. 

Now, I can understand maybe I made a mistake with the banking information the first time and maybe even the second and third time but when the fourth time did not go through I grew very suspicious. The 1st, 2nd, and 3rd time I used their website and plugged in all the information myself. The 4th time I  contacted the representative office and gave them the information over the phone and had them repeat it back to me. Everything finally seemed as if it was going to work out. But then the following week I again received notice that the payment would not go through. 

This is when I started to do my research on Nelnet as company and found out that I am not the only one that seems to be having this issue. There are many people struggling to pay back their loans, and not because they don't have the money to pay but because Nelnet is just refusing to accept their payments. 

The most aggravating part about Nelnet is that they charge interest on the payments that they are refusing to receive. I am not a lawyer but that seems criminal to me. 

Lastly, I would like to reiterate that I am in the unique position and overall this issue has not affected me terribly. However, I think that the majority of people depend on their loan service to be consistent and ethical. Students take out tons of debt to try and better themselves and then are punished for doing so by these firms. Firms like Nelnet are taking advantage of students without consequence and they will continue to do so until they are held accountable for their actions.
Consumer complaint received 2019-05-23
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. (VA)

On XXXX and XXXX I was one of the impacted by the cyber breach of equifax and my data have been compromised. I have been complaining to equifax about an authorized hard inquirys in my report since XXXX but it hasnt been resolved. As of today XX/XX/XXXX I have signed up with a XXXX party credit montering and I would like equifax to remove all my previous credit inquiries from my report as I have not authorized them.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

id theft victim. the follow accounts reporting are not mine. 

XXXX XXXX XX/XX/2015 not mine XXXX XXXX XXXX {$11000.00} not mine
Consumer complaint received 2019-05-23
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. (TX)

In XXXX of 2016 two fraudulent accounts were opened at XXXX XXXX XXXX in my name. I recently discovered the accounts when I did a credit check from the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I immediately contacted the credit bureaus to dispute the accounts. I filed a police report for identity theft with the XXXX Police Department. I contacted XXXX Fraud department and disputed the accounts. XXXX mailed me a fraud packet to complete and return to them. I completed the packet and mailed XXXX the fraud packet, police report, a copy of my driver 's license, and utility bill to verify my address and identity. I have called XXXX fraud department several times to find out the status of the investigation. I can't get any answers from their representatives. About two weeks ago, I spoke to a XXXX representative named XXXX. XXXX stated that she had received the fraud packet and the accounts were being investigated. I was supposed to receive the results of the investigation via mail, but have not received any correspondence from XXXX. In the meantime, these two fraudulent accounts are ruining my credit and livelihood. I am being declined for credit opportunities and paying more money in financing.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

The property subject to the mortgage was demolished due to FEMA flood regulations. After the demo of the property Mr Cooper requested proof of flood insurance. 

Mr Cooper was provided with : A copy of the demolition permit A signed letter from the contractor stating the property was demolished Email chain from the insurance provider stating that flood coverage is not provided for vacant land Despite calling and providing written notice that no structure that is eligible for flood insurance is on the property Mr. Cooper purchased force placed coverage on the property. 

On XX/XX/2019 I contacted XXXX, the company providing the force placed coverage and inquired how they determined the value of the structure. ( {$170000.00} ) XXXX stated this value you was provided by Mr. cooper. Mr Cooper provided this information knowing that no structure is on the property that is eligible for flood coverage.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION (AZ)

On yesterday, XX/XX/XXXX, I received the results of a dispute I submitted with XXXX where I asked the repository to check with OneMain Financial regarding the accuracy of their reporting regarding an account I settled with the lender back in XX/XX/XXXX. The terms of the settlement which was procured by the attorney 's office representing the lender ( XXXX XXXX XXXX, XXXX ) stated upon receipt of the agreed-upon settlement amount, the account would be deemed paid in full. However, OneMain has not maintained the agreement and has continued reporting to the consumer credit reporting bureaus that I owe them {$1200.00} ( which is the amount they waived when agreeing to the settlement ). I am asking for this tradeline to be reported accurately ( either deleted or reported as a XXXX dollar balance owed ). I have upheld my side of the agreement and I am only asking for OneMain Financial to do the same. There is no outstanding balance and I have no further obligation with the lender.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Today ( XX/XX/XXXX ) I was unable to freeze my account with Experian. I gave them the correct information, same as always, tried it twice, they refused to freeze the account or give any explanation, and seem to think I should email them personal info and hope they then freeze it. So I did that in the past, and again, they never respond. 

My account should be frozen online like before, so I am not victimized again by these companies. I called their numbers and they refuse to answer the phone at all, let alone help me, the voice tree just hangs up on you, no matter which numbers you choose. This is ridiculous. I placed a freeze with them before, so I know they are capable of doing it, they are deciding not to follow the law intermittently, because they are so incredibly corrupt they might as well be the mafia - except the mafia if it had REAL power like these agencies do. Wonder when our enlightened senators are going to oppose them? Never, I can see that. But I will voice my opinion and these days anyone can go viral with a complaint, especially if it is ignored by the conventional channels.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I put a credit freeze in place a year or so ago with Equifax. At the time I was issued a PIN that I was told would enable me to unfreeze the credit information. Today, XX/XX/2019, I went online to unfreeze my credit report and found that I can not unfreeze it without creating an account, which requires the submission of various forms of identification ( e.g. drivers license, pay stub, social security card, etc. ) I find it unacceptable to have to provide this information in order to unfreeze my credit when it was previously frozen based on being told I could unfreeze using the PIN I was issued. Furthermore, I was never notified that Equifax was changing their rules about unfreezing ( requiring the creation of " an account '' and providing various forms of " identification '' ). It is my expectation that Equifax unfreeze my credit based on the PIN they issued to me when it was frozen. 
When I tried to seek assistance in unfreezing the report, I was connected with an agent, named XXXX, in the Security-Fraud department of Equifax. XXXX was unable to unfreeze my credit ( he never asked for my PIN ) and refused to provide me with the name or number of someone who would be able to do so, or even someone to whom my issue could be escalated. 
I find it unacceptable that I am unable to unfreeze my credit using the information I was provided at the time it was frozen.
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased auto gap insurance when I purchased my vehicle. In XX/XX/2019 I was in a car accident and my vehicle was total loss. My auto loan servicer, Capital One Auto Finance filed an auto gap insurance claim but the claim was denied because the dealership never paid the gap premium. But the dealership financed the gap premium in my auto loan when I purchased the vehicle.
Consumer complaint received 2019-05-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENTERSTATE BANK CORPORATION (FL)

I was in the process of buying a home last year XX/XX/2018. I was required to take a Home buying class to get a certificate. I attended this class and one of the bankers there her name is XXXX from XXXX XXXX stated there was a program for a grant for XXXX available for the closing cost of purchasing a home. I tried to contact XXXX for 2 weeks, I even called from other peoples phone numbers. She never once returned my calls. I called her supervisor she said XXXX is the one I would have to talk to about this program. The program for down payment money. She stated in the class florida residents 1st time home buyers would be able to use this. XXXX finally reached out to me and said we would not be able to use this program because my father still owed taxes on another mortgage this was not true because at this point I was dealing with another lender.Which was able to get my father a VA loan. He had to borrow money from friends and family for the down money. My fathers first home was purchase by his father and handed over to my father. My father needed to purchase another home because his home he was living in was effected by hurricane Irma and needed to purchase another home. I tried finding out about all the programs that could help him. He is a XXXX veteran and on a fixed income. I was told that there was no funding available. I also had to talk to a HUD approved credit counselor to help advise me on what steps to take. The only thing he did was ask me if I was single and seemed more interested in my dating status then helping me purchase a home. I really felt alone in this whole process. I was able to help my father purchase a home in XX/XX/2018 with another lender. At this point I am very discouraged I do not have faith in any of our programs able to assist low income/veterans.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I had a dispute due to fraud that happed to PayPal was to issue a payment back to my bank but in fact, they took money from my bank instead of giving my money back. Transaction numbers are XXXX XXXX charges are for XXXX. My bank and I both told them they in fact never posted the money they took it. said there is an error on Pay Pal end. I sent proof and PayPal has refused me of all ways to have them fix this error. On their end, I have been trying to fix this but they refuse. They keep giving me the runaround and are claiming they never got a letter from me. Paypal on the phone stated they were in contact with my bank and that my bank told them that I was paid twice. In fact, my bank stated they never told PayPal that I was paid twice. my bank informed me that PayPal needs to remove anything negative due to them not giving me my money back. Also, Paypal has transferred me to disputes, collections and customer service and every time I call I get we paid you and stated my bank is lying. My bank is XXXX and knows the bank and they told me PayPal should no they never gave me those funds back. They did a reversal that took my money now they are refusing to take this from collections and are trying to collect a debt that is not owed to them. Their collection, customer support team stated that XXXX is a lier and is not doing their job. Paypal is trying to collect a debt over a balance that is clearlyt not owed.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I made a mistake on putting my son middled name .and he wasent able to get his money i called moneygram at XXXX and at XXXX. An they told me to cancel the transaction because they cant change the name. An that i had to wait 3 to 10 days to get my money back im XXXX  i get ssi an my son is XXXX an he dosent under stand good an he had a fit. I asked money gram i had him in my record of money alreay to please change the name an they said no. I asked to speak to a supervisor i was told the didnt have one.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TN)

I visited XXXX from XX/XX/XXXX to XX/XX/XXXX between that time I rented a car From XXXX XXXX XXXX  company the computer placed a XXXX dollar hold on my credit card for incidentals. There was damage to the car when I returned it and they told me how much I would be charged for it which was XXXX dollars. I was told that the hold would fall off and that I would only be charged XXXX. The entire XXXX settled on my account and then I was told I would be refunded the difference of XXXX. I waited and didnt not see the credit they kept tell me to wait for so I filed a dispute with Citi card and sent the appropriate documents in. Each time I would call Citi card to check on the status of the dispute I would be told its still processing and I would just have to wait another 7 to 10 business days because they are waiting on a response from the merchants bank which is the XXXX XXXX XXXX XXXX XXXX. Being frustrated with Citi for taking forever I called XXXX and was told they have no records of communication with Citi for the amounts stated. I need this to be expedited because The records I received from XXXX XXXX XXXX show that a authorization and refund was issued through XXXX on XX/XX/XXXX and today is XX/XX/XXXX and between Citi card and XXXX  I am still out by XXXX dollars.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have a XXXX XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (PA)

I began getting calls regarding debt owed to an apartment complex that I moved out of. The debt collector, Hunter Warfield stated that since I did not do a final walk through at move out, I owe an amount of {$560.00}. I never received anything in writing from them regarding this debt. When I called to try to settle the debt, I asked for an agreement in writing. They refused to put anything in writing and stated that once I pay, I will receive an email with a code to retrieve confirmation of my payment within 24 to 48 hours. Hunter Warfield continues to report the debt to the credit bureaus continuously. They mentioned on the phone that they do not own the debt but are trying to collect on behalf of their client, the apartment complex. I am more than willing to settle this if they can prove that they are legally authorized to collect this debt.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to XXXX, Experian and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX with updates to my credit reports but, I never received XXXX letter from either XXXX or Experian. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, Experian and XXXX have FAILED to respond 3 TIMES! This is unacceptable!
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Contacted by " IQ DATA INTERNATIONAL '' on XXXX via phone. Chatted with Customer Service on XXXX IQ Website via chat window. 

Unable to verify amount of debt, threatening to harm my credit. Never received any notifications from Leasing Office. IQ DATA is demanding payment immediately. 

No letter from " IQ DATA INTL '' regarding debt. Customer Service Chat refuses to disclose email address to contact IQ DATA. 

Agent at XXXXxXXXX will not disclose age of debt, amount, line items. Agent states letter was sent yesterday ( XX/XX/2019 ). 

Have several emails from LEASING OFFICE stating that I was not liable for clean out costs, yet agent says I am still responsible for them. 

Thank you, please reach out with any questions.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Im a XXXX  in the XXXX XXXX and served XXXX tours form XX/XX/XXXX through XX/XX/XXXX, I sent a copy of my military orders to Equifax to place a military freeze on my report while I was XXXX. After serving my due time, I came home to find that there were literally 100 additional accounts on my profile that did not belong to me. I notified Equifax immediately and was informed there was a compurter " glitch '' that caused my misfortune. Unaware of any information in regards to hacking episodes, I never recieved an offical apology -- but instead was mocked for my military service and my near death experience while serving my country. This single " glitch '' or misplacement of my personal information has caused me unquenchable heartache. Because of this unequivocal amount of inaccuracies to my account, I have had XXXX XXXX remove, military terminology for XXXX, plus now Im looking at XXXX XXXX. I have been given in access of XXXX to resolve this issue, however, to my dismay, very little progress has been made. My phone calls consists of arguements and disbandments, of which has I have endured tumultuous amount of criticism in regards to my service for my country.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

on XX/XX/XXXX applied for a discovered card and approved. XXXX requested a deposit for the approval. XXXX ACH the funds on the XXXX of XXXX, an alert was sent from the bank. I immediately made contact with the DIscover bank. SPoken with XXXX regarding the issue. She stated as long as the funds were available, the approval still stands. Called a couple of days later regarding the withdraw of funds, I was later told i was denied. Spoken with a supervisor XXXX. Extremely nice and pleasant and went above and beyond to hear concerns. XXXX stated he will listen to the call placed between myself and the customer service rep. XXXX returned the call and stated he understands my concerns. Unfortunately, XXXX couldn't resolve my issue. The company failed to comply with the guidelines stated by XXXX XXXX. Requesting to resend offer. Today went through a pre-approval process and was pre-approved for a discover it cashback card. Applied due to conversation which taken placed prior, company immediately denied me. The company blackballed me for approvals due to the incident.