davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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: Experian Information Solutions Inc. (CA)

I received an email from Experian saying thank you for changing my email with them and when I went online to reset my email it looks like it was changed to an email address I do not have by someone else. I immediately emailed Experian to tell them and included my information but they will not respond or help. I need this investigated immediately my information Is at risk. Thank you.
Consumer complaint received 2020-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

To whom it may concern : I have student loans with XXXX ( lender : XXXX XXXX XXXX XXXX NELNET ( Nelnet Education XXXX XXXX XXXX Guarantor is XXXX XXXX XXXX ) the loan number is XXXX. 
I have been paying on my loan since XXXX, I have the following problems : 1 ) My balance remains almost the same. I have been trying to speak with a manager at XX/XX/XXXX which is almost impossible to discuss my problem. My full amount owing {$20000.00} give or take. I have been making payments since XXXX and there records show me making the following ( Payment / Principal / Interest 2 ) My Payments are due the XXXX of every month ; however I usually make my payments as soon as my statements become available usually 5 days before month end. I had signed up for automatically payments but if I did that by the time it got processes the whole payment would be applied to the interest and almost nothing to zero to the principal since I work in in financial institution this makes no sense to me. I tried to contact and have an amortization table but I had no luck getting it. 
3 ) When I make a payment the principal and interest rate which is 4.75 % is applied different each month.

4 ) I am also unsure of when my loan will be paid off since the balance does not change and I am unable to speak with someone.

5 ) There site is not user friendly, I am unable to locate a main person XXXX to assist. Customer service is very limited. 
6 ) ACS website allow me to see the total payment and before it was transferred to Nelnet I had requested to see all the payments onXX/XX/2017 but they had denied. 

In conclusion, I have being paying my student loans since XXXX but my balance is about the same. Since, I am in finance I wanted to see an amorization table where I can see how my payments are being applied to the principal and how much interest I am being charged each month. I have to get rid of the automatic payments or almost my whole payment will be applied to the interest so I always pay as soon as the new statement is available so my payment at least half of it or so it's applied to the principal of my debt. 

I had asked for the detailed statements to XXXX and Nelnet and received very vague answers. 

I hope someone can help.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have had a Citibank account for a little over 2 years. No problems. No overdrafts. I even have my sales from my merchant account deposited daily to my savings. Well everything was going good until I accepted their offer to upgrade me to gold status. I accepted the invitation with over $ XXXX & counting in my accounts. I go to apply to buy a new car & my account is locked right after XXXX XXXX rubs my credit. I call them after they email me from fraud. Of course theyre closed. I wait until Sunday, XXXX XXXX and get the complete runaround. Im told my account is locked and set to close. This is a shock to me because they just upgraded me to gold status! How could this be?! Long story short, I call from Sunday -Tuesday and finally decide to go to the bank. Im told I cant remove any of my funds because of fraud. Fraud?! Ive had this account for over 2 years! What fraud?! They process my business sales! How could I be fraudulent?! This is my only account and I have no access to my money to run my business or my household. My bills are all on auto pay and now theyre are bouncing back! Citibank is trying to ruin me! Ive worked hard for my money! Im a single mother of two with a successful e-commerce business & happen to be XXXX. I feel I am being XXXX XXXX. I need my money. Please help
Consumer complaint received 2019-09-17
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. (CA)

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, EXPERIAN FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO EXPERIAN REPORTS A FRAUDULENT COLLECTION TOO.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Issues with TransUnion and XXXX 'XXXX XXXX on credit report XX/XX/XXXX, XXXX I submitted a dispute to TransUnion through XXXX   XXXX file # XXXX. I called TransUnion XX/XX/XXXX because the investigation was completed with no change to my credit report. I gave the file number and the rep saw the XXXX XXXX dispute. TransUnion advised to open another dispute, however ; I explained I've been having issues disputing the account on TransUnion 's website that is why I disputed it through XXXX XXXX. TransUnion has no dispute links on their website to dispute the account and I communicated that to the rep. She gave me the online dept to assist XXXX. She was very combative and stated I needed to open another dispute. She also stated XXXX XXXX XXXX refused to update the incorrect inaccurate account that's paid in full. I explained the documents I have as proof can't be uploaded because I can't create the dispute online because their website doesn't give me the links to dispute the account. XX/XX/XXXX I called the online dept at XXXX and spoke with a gentleman that stated TransUnion isn't affiliated with XXXX XXXX and he had no record of my dispute and he gave no assistance to why I can't create a dispute online. I explained on XX/XX/XXXX the rep saw my dispute with XXXX XXXX with the file # XXXX. I told him he was a liar or the previous rep was and I've been trying to file a dispute directly with TransUnion since XX/XX/XXXX, thus I had to dispute it through XXXX  XXXX. I further explained I needed to upload receipts of payment and letter from XXXX XXXX to show XXXX XXXX the account is paid in full and the amount of {$140.00} is not what was owed to XXXX. I let TransUnion know I could not upload these documents through XXXX XXXX on XX/XX/XXXX because XXXX just emailed them to me on XX/XX/XXXX which the letter from XXXX reflects the date of XX/XX/XXXX. XXXX had been trying to email me the receipts since I made payment on XX/XX/XXXX. 

I explained XX/XX/XXXX and XX/XX/XXXX to TransUnion that they left XXXX XXXX XXXX on my credit report without an effective investigation because if they had of contacted the original creditor which is XXXX managed by XXXX they would know this account was paid in full on XX/XX/XXXX in the amount of {$130.00}. I further explained in my dispute through XXXX XXXX to TransUnion that XXXX 's XXXX is consistently increasing the original amount of {$130.00} to {$140.00}. I communicated this XX/XX/XXXX to TransUnion during my call and the rep kept saying they didn't have an account with a {$130.00} balance. I explained that's the original amount and it states the original amount on my credit report. The rep was very combative.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I originally refinanced my home back in XXXX of XXXX, with an XXXX XXXX XXXX XXXX fixed/variable rate loan. This loan was to be eligible for an adjustable interest rate re-lock every five years, contingent on borrower ( me ) maintaining good credit and repayment record. When my loan was transferred to XXXX XXXX ( due to XXXX XXXX being purchased ), XXXX XXXX respected these terms and offered me a rate renewal lock at the end of my first 5-year period. 

Fast-forward another four years, and now XXXX XXXX has left the mortgage loan business and handed my loan over to Rushmore Loan Management Services. I am almost at the end of my second 5-year term of the loan, and I spoke with Rushmore on Tuesday, XX/XX/XXXX, to verify that I would in fact be offered a rate renewal at loan-term maturity. I was told " We don't do that '' and instead was directed to download their loan modification application from their website, a multi-page document requiring very detailed information regarding every aspect of my finances -- clearly a new loan application that would require going through an extensive underwriting process. 

Frankly, I don't care to apply for a new loan at this time, or go through a refinance loan, either. I am current on all of my payments, and have maintained a spotless repayment record throughout the entire term of my loan to date. My credit status has also maintained a very high rating. I have a perfectly good existing loan, and I see no reason why my loan 's original terms and benefits should not be honored and upheld. I am very disappointed that a mortgage service provider should arbitrarily decide to change a customer 's existing loan when they have no right to do so. 

Thank you for your attention to this matter.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX  XXXX, XXXX  XXXX  XXXX
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out multiple times to bureaus and debtor to resolve this issue. I have a 90 day late pay for an account that was on default until I became employed or until I was able to make payments. I no longer lived at address this company had on file never received any email of any kind telling me my default had ended nor was I explained the process of how long the default would be for. I reached out after receiving alert on credit report. I feel that this was my first time ever having to set up employment default that I should have been notified or at least given details in writing of how the default worked. I have also requested in writing multiple times for both bureaus and debtor to provide proof of how this debt has been verified but have yet to be provided method.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (IL)

I was in the hospital late last year due to a rare XXXX. All of the $ XXXX I was billed went to my health insurance and was paid, subject to co-pays. No issues there. In XXXX of this year, I attempted to refinance my mortgage and discovered 4 collection items on my account. This did not allow me to refinance my mortgage at the time of the low rates and cost me about {$70000.00} long-term. 

I was able to contact the collections company with info obtained by my mortgage broker. They advised these were bills from when I was in the hospital. They advised that these had already been submitted to my insurance company. I advised that was impossible, as I wasn't even aware of these bills. They later agreed. 

The collections company agreed to submit to my health insurance. Two weeks later, they have still not done so. The collection company would not give me information for this company that supposedly billed me and sent me to collections, so I had to dig online. 

After a couple weeks, I found this company " XXXX XXXX ''. I called them earlier this week and they advised that they had sent me one letter ( while I was still in hospital ) and texted my phone ( not even sure what phone I had when I was in hospital ). During the call, I gave them my health insurance info, and they advised they would send to my insurance company and notify the collections company to remove the accounts. Today, I called back to ensure this was happening, and, unsurprisingly, it was not. They had not yet contacted my health insurance company or the collections company, and instead had false notes regarding my interactions with them. They said I left a voicemail, but they tried to call me back and couldn't reach me. All of that is untrue. I had voice-to-voice contact with them just two days earlier! 

My issue with them is still not resolved, and at this point, I literally can not get either the collections company or this company to get this properly submitted to my insurance and remove my collection accounts. I work in the insurance arena, though not health insurance. Frankly, it boggles my mind that these types of companies are allowed to operate. Had I not had several friends as lawyers and financial advisers, I never would have even been able to find this company. They didn't bill me, sent me to collections, hid, and cost me {$70000.00} of potential savings on my mortgage. It's almost surreal.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (GA)

I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (WY)

I checked my credit and noticed an account for Wells Fargo in the amount of {$330.00}. I am requesting to pay the {$300.00}, which was the card 's limit to have the account settled and deleted. I fell behind on payments after I lost my job due to an extended amount of time out of work. I was diagnosed with long term XXXX XXXX, and had to undergo procedures to help make me more comfortable and to prepare me for weekly XXXX.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX XXXX ; XXXXXXXX XXXX ;
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I have tried to dispute this matter several times but have had no luck with Wells Fargo. I have already spoken to several representatives through this complaint system at Wells Fargo and they have not helped me. 

I found a letter dated XX/XX/2017 stating that Wells Fargo communicated that the foreclosure would not occur if payment was received and it was. They extended my reinstatement for the mortgage due to issues with my payment online system. They let me do so and I submitted the payment in full. Per the letter, it states the situation and the representative was helping me recover the home and not foreclosure. However, they made a mistake on their end and miscommunicated to me the date of the foreclosure. Thus, the foreclosure occurred. So, they promised to not have any negative information reported. Please advise. I do not want to talk to another Wells Fargo representative, I just want this situation rectified per the letter that states Wells Fargo was in the wrong. The only thing I ask is for it to be removed from my credit report.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage is in violation of federal RESPA regulations. All information is being tracked for possible litigation. 

At issue is a conversation with Carrington Mortgage on XX/XX/XXXX whereby Carrington stated they had up to 30 days to process documents. This is a blatant violation of RESPA which only allows for 5 days. These documents are being submitted today if and everything is not processed within the required time frame a NOE letter will follow for litigation, fines, penalties and attorney 's fees to be paid by Carrington. Maximum fees will be collected. 
Docs included through CFPB Authorization form Carrington application for modification profit and loss statement XX/XX/XXXX tax returns hardship letter statement of information XXXX form
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.
Consumer complaint received 2019-08-23
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: Credence Resource Management, LLC (UT)

CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX  without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. 

They can retrieve the police report directly from the XXXX XXXX police department.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DE)

I applied for an Amex XXXX card last year around XX/XX/2018 under a promotional term to earn XXXX points after account opening and spending {$3000.00} in the first 90 days. I spent more than {$3000.00} during the first 90 days and confirm my promo eligiibility and spent thresholds with an Amex customer service rep via chat. The rep confirm my eligibility and meeting the spent requirements and I was assured to earn the bonus. I never received my bonus. I contacted Amex again on month 5 and a phone rep promised to perform the research and get back to me. I have never received a call, email or secured message from Amex. Eight months into my account, I open a secured chat line again to inquire about the prior two case submitted. A rep performed the review and said I am ineligible because I did not report my case on a timely basis and confirm that based on his review, I did spent over $ XXXX within the first 90 days but there is nothing he can do.. I am upset at the bait and switch tactic at American Express. I paid a {$95.00} annual fee for the benefits and bonus opportunity but was never able to realized it due to deceptive and misleading advertising by Amex.