davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I submitted my IDR on XX/XX/2022, and on XX/XX/2022, of my submission, I contacted NELNET XXXX XXXX servicer customer service around XXXX pm XXXX. As discussed in my inquiry as to why my IDR was denied, she explained that it was because I made " too much ''. I explained to her that I did not work and that I had lost my job and the income they had received was " COUPLE FILING JOINTLY FILE ''. She kept me on hold for a long time- going back in forth speaking with supervisors and finally, after XXXX hours, she tells me, " You need to write an E-MAIL explaining that you do have income and the income received was only your spouse. '' I asked if she was sure that if that was all I needed to do- and she said " yes ''. On that same night, I did what she told me- I emailed the letter to ( XXXX ) with my personal information and account details. ( Which I did twice ) As time went by, I NEVER received a notification or letter from NELNET acknowledging my e-mail. When I chatted back on XX/XX/2022, they stated that the e-mail they have received was not " acceptable '' because it had to be " hand written and signed '' After all of this misinformation given to me since XX/XX/2022, I got hit with a XXXX derogatory on my credit report.
Consumer complaint received 2021-06-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC (TN)

I have an accepted offer on my house in Alabama. I was supposed to close on the XXXX of XXXX. The mortgage company who has the mortgage says that by law they have 7 business days to give me a payoff of the mortgage. The company name is Village Capital and Investment. They sent me an e-mail telling me this after I had been run through the mill trying to get a payoff. It took me two days to get through to even talk to anyone about getting a payoff. The title company who is handling the closing could not get a response from them what so ever. Their website is not user friendly and does not offer to get a payoff anywhere on their website. I made the request on XX/XX/2021. So, now, I wont get the payoff until the XXXX of XXXX or longer if they mail it. The laws need to change. There is no reason why it should take 7 days to compute a payoff other than the banks are milking the consumer for more interest. The way this guy wrote his e-mail would suggest he is going to do everything he can to make my life miserable. Village Capital will not get any more of my business.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-12-22
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)

On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2020-11-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I received a solicitation from american express to upgrade my everyday card to a preferred one about a year ago. On XX/XX/20, the annual fee hit my account. I happened to applied for and have my platinum card now, and I was thinking the preferred one is no longer my focus to me. Since the annual fee hit my account, this gave me the understanding that I have kept my preferred card for a full year and seems a good time to downgrade my preferred card to an no annual fee one. 

However I noticed that my account got deducted XXXX points. I reached out online team and called the membership rewards team. They said, I didn't keep the upgraded preferred card for a full year so that deducted this. They said it was suspected there is a violation of the rules? 

I hereby make it clear that I never attempted to game the system. It just happened that I no longer need the preferred card since I already have the platinum card. However, amex still refused to add back my points.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (SC)

Credit bureau failed to correct account payment history, they were originally reporting 30 days late in XX/XX/2019, they changed that to OK but marked account to 60 days late in XX/XX/2019, the account can't be late more than 31 days in a month therefore they continue to furniture erroneous information
Consumer complaint received 2022-06-03
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. (PA)

Ive sent in 3 rounds of letters to dispute a few hard inquiries ( some duplicates ). I have never received any acknowledgment of my letters back from TransUnion. Anytime I call the customer service, they are extremely rude, very aggressive and refuse to investigate my issue. Ive been hung up on in the middle of conversations etc. These inquires are unauthorized and also unverified. I would like TransUnion to take me serious and fix this inaccurate information.
Consumer complaint received 2022-04-11
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: LEXISNEXIS (UT)

ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX LEXIS NEXIS CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND LEXIS NEXIS HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Consumer complaint received 2021-10-20
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-25
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: LEXISNEXIS (SC)

Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FEDChex Recovery, LLC (CA)

I received a debt collection notice from a collection service, on our around XX/XX/2022 The amount of the debt to be collected is {XXXX} In the notice I was informed that I needed to contact the collection agency by XX/XX/2022 to stop the disputed charges. 

I immediately contacted the collection agency to dispute the charge. I also asked for billing records from the creditor. After reviewing the billing records, it is my belief that I owe a balance of {XXXX} that I am happy to pay. 

I contacted the collection agency via email on XX/XX/XXXX and told them I believed I owed the amount of {XXXX} On XX/XX/2022 I sent a follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a second follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a third follow up email, stating I had been trying to resolve the dispute for over two weeks, and that I had not received any response to the information I had provided. At that time I inquired if I should consider the matter closed. 

I obviously wasn't going to receive any information from the collection agency. I then contacted the collection agency by phone. I told them that I had been attempting to resolve the issue for over two weeks. During this phone call, the collection agencies agent informed me that the creditor had up to thirty days to respond to my dispute. 

I called the collection agency today. It has been five weeks since I filed the dispute. 
The collection agency told me that the matter was " on hold ''. I stated that I was given a certain time to respond to the initial collection notice, which I did, and that the creditor had a specified time in which he needed to reply, which he failed to do. 

It is my belief, that since the creditor failed to respond in the specified time, that the matter should be dismissed. I feel that the collection agency, FCR is acting unfairly by allowing the creditor more than the thirty day response time. 

I would like to mention that the creditor went out of business without any notification. I had never received a bill or late notice for the amount in question. I also have approximately 15 emails that document the billing problems I had with the creditor in a two year period
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-22
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VA)

I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that?
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 I used my edd debit card through BofA on XXXX to get a room. {$130.00}. XXXX The hotel was closed so XXXX  cancelled the transaction and it went into a pending mode until it processed back in my account. Here I am XXXX/XXXX/20 and I have yet to receive the money even though XXXX  confirms they did their part. After a total of 7 hrs on the phone with claims I got no answers and no money even tough they claim to have it in their system. BOfA is stole my money and I demand answers. I'm broke nobody is doing anything to stop them. XXXX XXXX is my name and account is XXXX XXXX XXXX XXXX. XXXX does nothing to help and the people should rebel against this XXXX. We need answers.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've requested an address to mail a notice of lawsuit against Wells Fargo numerous times, no address provided. The lawsuit concerns damages caused as result of inability to open deposits accounts due to information previously reported by Wells Fargo for accounts opened which I did not want or need. Damages include lost interest on monies unable to deposit as I was unable to open accounts due to information reported to consumer reporting agencies such as XXXX XXXX XXXX. Prior remedy amounts were offered, however, do not cover damages described above. I've requested a reasonable settlement offer, however, Wells Fargo will not provide one, unwilling to discuss it via phone. Further, the mediation amount offered, {$500.00}, is not sufficient and I require either a reasonable settlement offer or an address to mail a notice of lawsuit, which was requested and not provided. Failing to provide either above, additional complaints will be filed.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I paid my shortage, but they did not update my payment. 
COVID Deferral completed in XX/XX/XXXX - final approval reflected a shortage in escrow of XXXX with the next payment due date of XX/XX/XXXX XXXX  XXXX - out of term escrow analysis completed XX/XX/XXXX reflected a shortage of XXXX, the new payment reflected XXXX XXXX XX/XX/XXXX. The shortage portion of the payment is XXXX. While this stmt was still in the mail .... 

- I paid the shortage, as indicated on the Deferral agreement XXXX  XXXX on XX/XX/XXXX They applied the payment to my escrow account but there is no way on the website to see if the payment was corrected ( shortage collection removed ) until the payment rolls to the due date of XX/XX/XXXX. 

- XXXX payment paid XXXX  XXXX. 
>> new analysis completed XX/XX/XXXX, according to state-schedule - reflects a payment of XXXX and an overage of XXXX - XXXX payment paid XXXX XXXX - XXXX payment reflects due XXXX - they did not remove the collection of the XXXX shortage from the payment after I made that shortage payment XX/XX/XXXX. The analysis completed XX/XX/XXXX is reflecting the deposit to escrow but the effective date is XX/XX/XXXX, therefore an incorrect payment amount and overage. 
I am required to pay the higher amount of XXXX for one month XXXX because of this neglect. 
I called USBank on XX/XX/XXXX, spoke to XXXX at XXXXXXXX XXXX and she told me they can not correct this. I called again and spoke to XXXX at XXXXXXXX XXXX and she also told me they can not correct this. 
Fortunately ( or unfortunately ) I have worked in mortgage servicing and was able to explain to them exactly what happened, why it happened and could have even provided them what screen to go to in in their system to correct this error.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My wife and I refinanced our mortgage through XXXX XXXX. Shortly after ( before the first mortgage payment was due ), the servicing of the loan was transferred to PHH Mortgage Services. 

The first payment was due on XX/XX/2020. Upon attempting to make the payment, I noticed that PHH had the incorrect payment amount due. Their system is reflecting a payment of {$2000.00}. However all of our loan documents reflect the correct payment should be {$1400.00}. It is the principal and interest portion of the payment that reflects incorrectly. 

The loan is a conventional XXXX year fixed loan with a balance of {$250000.00} with a term of XXXX years and a rate of 2.75 %. 

I contacted them via phone on XX/XX/2020 and was told to send my loan documents and support to their customer care team via email. I did so on XX/XX/2020. As of today, XX/XX/2020 the information is still not correct and I am showing as delinquent on my mortgage. 

Since XX/XX/2020 I have since called them on XXXX separate occasions and each time am told that they have the documents I have sent and it is with their research team. I am then told to call back in a few days. I have received no answer, no estimated resolution time ( except for a XXXX business day response time which has long since passed ).