davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

I am writing to file a complaint against Nelnet for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with Nelnet since [ year ]. During that time, Nelnet has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

Nelnet has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, Nelnet has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that Nelnet remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. Nelnet has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX XXXX to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my XXXX account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX XXXX. This information was provided on your 10-K filed with the U.S. Securities and Exchange Commission XXXX
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. STILL, I WAS TOLD BY LOSS LITIGATION AFTER 12 MONTHS BEFORE THEY FINALLY APPROVED MY TRIAL MODIFICATION THAT MY MORTGAGE WOULD GO FROM {$1300.00} TO {$1800.00} X 30 YEARS NOT {$2600.00} TRIAL DUES WHICH DOES NOT INCLUDE XXXX XXXX XXXX DUES OR SPECIAL ASSESSMENT FEES THAT MAY ARISE IN THE FUTURE. THE {$2600.00} TRIAL DUES IS PUTTING ME AND MY FAMILY IN HARMS WAY. 
I AM A XXXX XXXX VETERAN THAT RECENTLY RECOVERED FROM COVID 19 NATIONAL DISASTER. PLEASE, PROVIDE ME WITH A REASONABLE MORTGAGE DUES SINCE I HAVE AN EXCELLENT FIDUCIARY RELATIONSHIP WITH MR COOPER. 
Respectfully, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

Subject : Concerns Regarding Forged Signatures and Improper Vehicle Repossession. 
In Violation Of : 15 U.S. Code 6802, 15 U.S. Code 1692f, 15 U.S. Code 1605, 15 U.S. Code 6821 I hope this message finds you well. I am writing to address a serious matter involving my recent dealings with Wells Fargo and the dealership. I believe it is crucial to bring to your attention the issues I have encountered throughout this process. 

In XXXX, I made a formal request to Wells Fargo to provide me with all correspondence they received from the dealership. Subsequently, upon receiving the contract, I discovered that several of my signatures had been forged on various documents, including the Gap waiver form and the contract itself. This discovery was deeply troubling and raised serious concerns about the integrity of the transaction. 

Immediately after notifying Wells Fargo about the fraudulent signatures on the contract, I experienced a concerning response from their representatives. Instead of addressing the matter transparently and rectifying the situation, it appeared that they attempted to conceal the associated paperwork. Moreover, despite being informed of the forgery, Wells Fargo denied any involvement in any wrongdoing and has displayed a lack of initiative in resolving this issue. 

Furthermore, it is imperative to highlight that due to the forged signatures on the contract, Wells Fargo did not have a legitimate security interest in the vehicle in question. Despite this fact, the financial institution proceeded to illegally repossess my car, causing me considerable distress and inconvenience. 

Regrettably, I felt compelled to make payments under duress, as Wells Fargo remained unresponsive to my plea for resolution and continued to withhold any remedial action. This situation has left me feeling unfairly treated and burdened by the financial implications of their actions. 

As a valued customer, I had expected a higher standard of ethics and accountability from Wells Fargo. However, the manner in which this matter has been handled thus far has left me deeply disappointed and concerned about the bank 's commitment to addressing such issues responsibly. 

In light of the gravity of these circumstances, I kindly request a thorough investigation into the matter. I implore Wells Fargo to take immediate action to rectify the forged signatures, address the illegitimate vehicle repossession, and ensure that a proper resolution is reached in a timely and satisfactory manner. 

I appreciate your prompt attention to this matter and expect to receive a response from the appropriate department at Wells Fargo as soon as possible. If necessary, I am willing to provide any additional information or documentation to support the investigation. 

Thank you for your understanding and assistance in resolving this distressing situation. I look forward to a prompt resolution that upholds the principles of honesty and fairness that I believe Wells Fargo should embody. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-21
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. (FL)

XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, XXXX and Experian still continue to report this account on my credit report as accurate when in fact it should be removed. 

XXXX attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

I called the XXXX XXXX XXXX XXXX XXXX, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX, my original debt was for XXXX, and I offered XXXX, he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on Monday XX/XX/XXXX. Also during the conversation XXXX added on an extra cost of XXXX, saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as XXXX did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.
Consumer complaint received 2019-03-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law (NC)

Recently my Federal tax refund was offset by the US Department of Education. I have reason to believe that the contracted collection agency Bass & Associates and the US Department of Education did not send me proper notification. I never received any collection notices informing me of the days past due or the default procedures. On XX/XX/2018, I was mailed a Debt Statement with a Request for Review, and Notice of Proposed Treasury Offset. I am certain that this was the only notice that I received from the US Department of Education. Which in my opinion, did not give me enough information to verify the status of my account considering my Chapter XXXX Repayment Plan. 
I responded by mail on XX/XX/2018 with a Request for Review ( provided by the US Department of Education ) and detailed documentation that I was currently under a Chapter XXXX Repayment Plan. I never received any other correspondence or calls from the US Department of Education or the contracted collection agency Bass & Associates. Recently, I created an account on the US Department of Education website and it the wrong phone number was on file but my mailing address and email address were on file. 
After filing my 2018 taxes, I recently learned that the US Department of Education offset all of my much needed tax refund to repay the debt. I am currently faced with major financial hardship after not receiving my tax refund. I have received multiple utility cutoff notices and cancellations of my insurances. It is my hope that my complaint is forwarded and reviewed as a hardship.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft resulting from the XXXX XXXX XXXX and a survivor of XXXXman trafficking. The unauthorized use of my personal information and the creation of fraudulent accounts have caused severe damage.

Pursuant to Section 605B and Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of the fraudulent accounts, inquiries, addresses, and employer information listed below.

Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), credit reporting agencies ( CRAs ) must block the reporting of fraudulent information upon receiving an identity theft report and a request for blocking. No further documentation is required once the consumer submits this affidavit and the identity theft report.

\FCRA Section 611 ( a ) requires CRAs to conduct a reasonable investigation upon dispute and remove or correct inaccurate or unverifiable information. Under FCRA Section 605 ( c ) ( Debt Bondage Repair Act ), no adverse information related to XXXX XXXX may appear on my credit report.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX I missed 8 payments with my mortgage company due the financial crisis and job loss. In XX/XX/XXXX I settled with the mortgage company for {$15000.00} plus dollars for the debt, which was added to my loan and my loan was then sold. As of XX/XX/XXXX it was sold twice. The loan resided with XXXX XXXX when the original issues occurred in XX/XX/XXXX and now resides with XXXX XXXX ( Shellpoint Mtg Servicing ). I put the house under contract for sale in XX/XX/XXXX. I requested that Shellpoint/XXXX provide me with the loan modification so as to be assured of payoff amounts. I also requested a payoff statement - never produced. The loan modification was produced 2 days before the closing XX/XX/XXXX ( after numerous more attempts to get the documents in the intervening 30 days ). I have now twice requested an accounting to find out why my equity status in XX/XX/XXXX was obliterated by the loan modification so that my equity of {$6000.00} was completely gone. In addition to failing to provide the modification information to me ( which they did produce to the title company ) they collected twice on my taxes for XX/XX/XXXX and provided me with the incorrect tax statement. I have now proven that they did not pay my taxes twice and have received a refund of my escrow. However I've never received an accounting of the modification although requested on numerous occasions. The attached shows only a 4 year history insufficient to figure out why the modification was applied to my full original loan amount and not to my loan amount when the settlement occurred. My request continues to go unanswered. What happened to my equity and how does a modification jump from {$15000.00} for ( 8 missed payments ) to over {$22000.00}? The loan has also been paid in full and is still reporting on my credit report.
Consumer complaint received 2019-03-07
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: BARCLAYS BANK DELAWARE (NY)

I applied for a XXXX XXXX Card through Barclay 's because of the promotion stated below. 
" The XXXX XXXX Card will allow you to earn XXXX bonus points after spending {$1000.00} on purchases ( that are not later returned or rescinded ) with your XXXX XXXX Card within 90 days of opening your credit card account and paying the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. Your bonus points will be deposited into your XXXX account 4-6 weeks after your qualifying transactions have posted. '' I met the above stated requirements ( statement attached ) and the bonus points have not been transferred to my XXXX account with XXXX. I called Barclay 's twice, because a statement for the month of XXXX, 2019 has not been generated although a payment of {$1100.00} was made on XX/XX/2019. The first time I called XX/XX/2019 I was told that if there is no activity no statement is created. I called again on XX/XX/2019 and was given the same reason but when I mentioned that a payment was made I was then told that they were having problems.
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (CA)

I received a PRE-SELECTED loan offer, after Goldman Sachs accesses my credit and needed to provide a firm offer of credit. They declined my application because I have over {$500000.00} in a CD with them, and apparently their system is unable to handle two accounts to the same email. 

Im totally fine if you cant make me a loan, because of your incompetent systems inability to allow two products. BUT, do not illegally access my credit and send me a false preselected offer if you are unable to fulfill it.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX PARK XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union (NJ)

i applier for a c.c. with first tech fed. cred. union ; i submitted income of about XXXX or so a year ; they approved me for XXXX credit line, wioth 12 months no interest on balance transfers they requested proof of income ; i told them i included in the amount the rental income from my basement, which i could not provide proof ; but i submited a w2 for XXXX with income of {$99000.00} ; Then they denied my application ; i could understand if they reduce the credit line, but i don't think it was fair they denied the claim entirely ; see below email with aproval Date : XX/XX/XXXX Application : XXXX Credit Card Type : Choice Rewards World MasterCard Dear XXXX, Thank you for your credit card application with First Tech. Your application request has been approved for the following terms : Amount Approved : {$10000.00} Interest Rate : 12.240 % Additional Terms & Conditions** > Proof of income dated within the last 30 days > > > > **Please submit any items listed under additional terms and conditions to XXXX. Credit Card approvals are valid for 30 days from the date of this notice. 

Loan approvals are conditional and subject to verification of the information provided, First Tech Membership, and other terms and conditions listed above. 

Important Note : For added security, our cards are Chip and PIN enabled. Youll receive a PIN in the mail separate from your card. Your PIN is important and may be required for transactions. You can personalize your PIN at any First Tech ATM. 

Thank you for choosing First Tech for your financial needs. 

Sincerely, Consumer Lending www.firsttechfed.com XXXX Tel XXXX Fax
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Why is it that I still owe whatever I had owe when you guys process the XXXX XXXX. EXAMPLE : : ; ; ; when SANTANDER reposesed the XXXX XXXX XXXX and after that in 5 days they where going to auction It Off and if it's so for XXXX or XXXX then I'll owe the remains witch would be XXXX ... Santander still and won't take it off my credit report they have it as write off I've been very patient and very crab rave and then even give me my daughters place card back are my other belongings so I had to go to the DMV and get her another placement card cuz they said it was going to be moved somewhere else within those FI 've days it's unfair that they did this me and they also says that I owe {$15000.00} on that car still when I have the paper where it says XXXX but I'm going to find it and I will upload it so that's why I think it's fair for them just to take it off because to report faulty claims on my credit report
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (TX)

I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX    XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my  son and finally gave up saying he needs to be examined under XXXX. 
4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 
5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. 

In light of the above, the charges on this bill are fraudulent, and I should not owe them.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX