davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

Nelnet has now systemically and consistently demonstrated negligent and fraudulent practices.

Nelnet misapplied a {$30000.00} payment which caused great financial stress and hardship.

Since that time, Nelnet managers and advisers have consistently provided false and misleading information when I have asked for all my options to assist with repayment. 

In the most recent incident occurring between XX/XX/18 - XX/XX/18, I called this shameful group to discuss options for repayment. I explained to this company that I have been filing applications for borrowers defense since I went to a " for profit '' university who I charge made misleading statements regarding my job prospects, income prospects, and so forth. The manager, XXXX, said that Nelnet receives applications from borrow defense " within 24 hours '', which turned out to be a viscous lie. Another manager confirmed that Nelnet receives the request whenever the DOE sends them.

I explained to yet another manager that due to all of this, I have been homeless for the last 5 years. I explained my situation and she advised me to consolidate all my loans so I could qualify for a low income apartment grant. I was absolutely shocked and sickened to find out I could do this directly with the DOE. Further, Nelnet has lied when it said that my only other option was to put all loans on " administrative forbearance ''. AT NO TIME did they tell me I could consolidate into an easier payment plans. Nelnet has consistently advised me that I am ONLY able to consolidate with PRIVATE lenders.

Nelnet did not at any time advise me that this was an option. Had I known this, I could have not been XXXX for the last 5 years, could have avoided massive interest assessment, and could have begun a reasonable repayment plan. Shame on Nelnet.

I have spoken with an attorney and, despite using what little money I have to stay warm and get food, I will use that money to take legal action against Nelnet if this issue is not resolved as soon as possible.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Debt was paid to portfolio recovery solutions and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Consumer complaint received 2018-09-17
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. (TN)

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the explorer immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TN)

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXXr immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to dispute overdraft charges applied to my account from XXXX to XXXX with overdraft charges.I believe these charges were applied in error, and I request that you investigate the matter and refund the incorrect charges.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (OH)

Ive been a loyal Navy Federal member for almost 4 years, and I recently faced a difficult situation where my account was overdrawn by {$500.00}. Due to a legal matter, I couldnt cover the amount in time, and my checking account was closed without further assistance. Given my long-standing relationship with Navy Federal
Consumer complaint received 2018-10-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (KY)

Bankruptcy discharged without refirmation. Then transferred to Fays Servicing, failed modification. Relocation check, then Redress check for {$150.00}. Now IRS bill for {$10000.00}.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Bought shirt online. Returned shirt. Never properly credited. Late fees on an amount I did not owe went up to {$280.00} from {$30.00}. I never owed them anything. Transunion refusing to remove from credit report.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX is a non for profit volunteer organization that has run youth baseball for around XXXX kids a year for many years. We had our treasurer who is now in jail deposit checks made out to our biggest vendor, XXXX Sports and deposited them in her personal bank account. Bank of America is the bank she used and they let her deposit a check completely made out to someone else and put in her personal account. I have the name and police report number so you can verify the above but you said don't put personal names on this complaint form. The checks were made out to XXXX Sports and signed by this person and deposited in her personal account. We feel this is complete fraudulent endorsement and Bank of America had lack of adequate banking controls to protect its customers. They are taking no responsibility in this and we are now out {$66000.00} in 76 fraudulent checks over a 12 month period. When we did our yearly audit we found the negligence on Bank of America and proceeded with prosecution of treasurer. She is now spending 3 years on guilty plea deal in prison. Our insurance company doesn't cover this type of loss and we our left with having our kids suffer for the pure unprofessional acts of Bank of America. How can a bank possibly think this is fair, they either had a employee in on the deal or had such a lack in banking skills that would allow someone to allow this to happen.
Consumer complaint received 2018-10-01
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: AMERICAN HONDA FINANCE CORP (FL)

I am writing to let you know that on XX/XX/XXXX /, I bought in XXXX XXXX XXXX, this vehicle is identified with the VIN : XXXX. I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Unfortunately, I have been having problems with the account due to the treatment given to the payments made and the way in which my account is managed by financial department. 
I asked to them to proceed to eliminate the notifications of late payments of my credit report for the months of XXXX, XXXX and XX/XX/XXXX because I have kept making weekly payments and I have never stopped making them and they reported to credit boreau without consider my explanation and notification to the company. 
You can see in the attached monthly report the status of my account. These notifications to the credit companies have negatively affected my credit scort in a significant way. 
I want to express to you that I have never refused to make payments or answer the received calls and I have explained the notification in my account that in these months my mother in XXXX has been under medical treatment and this has affected my personal budget. 
Attached copy of my account statement that checks the status of my account for today 's date. Additionally, I ask to them to extend the payment for the months of XXXX and XXXX and they refused to approve both month and I need to adjust my income to continue to cover my commitment of payments.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. 

Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. 

I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have tried sending them multiple goodwill letters explaining why I had 1 late payment in XXXX of 2017. Due to a financial hardship I had when my son was sick and I had to pay a medical bill I was unable to make my payment on time. I have been a customer for over a year and a half and have not had a late payment since then. They are not willing to help me remove this late payment.
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
Consumer complaint received 2018-09-17
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: EQUIFAX, INC. (UT)

XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus Equifax and XXXX and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Sent letter ( attached ) XX/XX/2018 No response or back up from debt reporting on my credit report XX/XX/2018 - Made a complaint to CFPB - CCS claims that they have no information and did not address - the debt which is reporting. Claims they are not handling. 

They reported CCS same company that claims they are not handling on my credit report once again - XX/XX/18 I have attached a picture of the line item on my credit report and the Derogatory contact info from my credit report. This is where the letter was sent, in XXXX the same information sent in XX/XX/2018 etc .... 

If CCS can not provide back up on the debt they are reporting it needs to be removed from all credit reports immediately. I feel I have done everything I can do to verify the debt. When you call all that is stated is balance due and I should know what the debt is for. it is my debt. Which is odd.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Winter of 2017, a drunk driver hit me and he didn't have insurance. My car was totaled and had to be taken to the city pound. I filed a claim with my insurance company and they eventually paid the car off, but during the time the car was being deemed totaled, the pound called Capital One directly and told them to come and pick the car up. Capital one told me anytime they have to pick a car up from anywhere, they consider it a repo. However, my insurance company wrote them and told them it was an error on their end that had nothing to do with me and that's why there was a delay with them getting the car. The car is completely paid off and they have their letter from XXXX, but Capital One is refusing to take it off. They told me to call the credit bureaus directly, so I called XXXX XXXX and they said they can't make any changes, they can only update what the direct source ( capital One ) gives them. I tired call the president 's office at Capital One, but they said he doesn't take call. 

Please Help. 


XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

My complaint below is with XXXX XXXX NOT Walmart - Just checked my Walmart accountI mailed a payment in XXXX. It was cashed by your bank on XX/XX/XXXX. I faxed a copy of the cashed check, front and back on XX/XX/XXXX. The funds have still not been applied to my Walmart account. I expect the funds to be correctly applied to MY account, all late fees and interest assessed to my account be credited and this to be done immediately. I work for a bank. With a copy of the front and back of a cashed check we credit funds to our customers within 1-2 business days. The time-frame given to me when I called about this was 30 days. That is utterly unacceptable when you have my money. There was no research you had to do. I did all the work in finding when the check was cashed and getting a copy of it before contacting you.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARMEL FINANCIAL CORPORATION, INC. (UT)

I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX   report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Devon Financial Services, Inc. (IL)

I've contacted the store regarding a wrong payment schedule. I was told the issue would be resolved. Two payments later the issue still wasn't fixed. These wrongful payments caused fees to my account.

On top of the wrongful payments, I was also made aware that my privacy had been violated. Staff members were discussing my account information in front of a customer that happened to be someone close to me. When speaking with the District manager and also the President, I was told the situation is being handled ; although I'm not very convinced. 
This company needs to better train their staff on how to uphold customers privacy and also professionalism.