davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

Trying to get through to change the loan repayment date with Nelnet 's customer service is comical. I have been on wait for over 3 hours, and this is not the first time I have attempted to get through. The last time I was on hold for so long I gave up. 

This should be an option on the website, as it was with Great Lakes ( who my loan was with before it was transferred ). I do not know why my payment due date was moved to the XXXX of the month. How does a payment on the XXXX of a month make even a little sense? All I want to do is move the payment to the beginning or end of the month and I do not see why this is a complicated change to make. As stated prior, this should be an option on the website. 

To add insult to injury, I have sent them multiple emails with no response.
Consumer complaint received 2023-10-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc. (TX)

On XX/XX/2023 i asked to not call my references, then on XX/XX/2023 my references were called again. On XX/XX/XXXX a associate named XXXX showed up to my place of employment, called her manager on a cell phone put him on speaker, and I advised again to both of them not call my references, to not come to my job or call my job, and to not show up to my home. On XXXX XXXX showed up to my work again around XXXX, she didn't speak to me she spoke to a customer at my work stayed for about 20-30 min, and left. That same day XXXX about a hour from when she left my job around XXXX XXXX  my cell phone is called ( I'm still at work ) assisting the customer she spoke to, and then right after the missed call to my cell, my work phone number was called at XXXX XXXX and the call was disconnected. On XXXX i sent a complaint via online On XXXX my references were called once again after i asked 3 times to not call, as well as the reference stating they wasn't supposed to call. XXXX ( same day my references were called my work is called also ) ( my is manager very upset that they called ) she had to verbally tell them to not call the business once again. On XXXX i had no choice to send via text ( the number they call and text from me from ) a Cease and Desist letter, and i will send a physical copy to the store location as well. I have all calls and visits with date and times if needed. The frequent calls to references, my work, and job visits is affecting my work productivity, position, and mental health.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2023 - I went to XXXX to apply for a " business only '' credit card with no personal guarantee. I specifically said multiple times to the clerk " I did not want this to have any inquiries on my personal credit report. If it did, I did not want the card and to cancel the application. '' She assured me that it did not and would not. Before submitting the report I asked the above statement one last time. She assured me once again then submitted the report. 
She obviously was incorrect and an unauthorized hard inquiry was put on my credit report with XXXX. When I asked the store manager what can I do he told me to contact their bank ( SYNCBLOWES ) and have them send a letter to XXXX for the unauthorized inquiry. Which I did, and was told they would. However, as of now they have not. So I am filing this report as well.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reading the XXXX XXXX XXXXXXXX article on XX/XX/2023 with the title TransUnion 's Botched Credit Report Freezes, I felt compelled to write to you. I have had to freeze and unfreeze my credit report a number of times in the past several years due to the purchase of two cars and other items. 
I had NO/ZERO problems with XXXX and XXXX. I did it on-line quickly and efficiently. 
TransUnion was a debacle. The on-line website DID NOT WORK. I would then have to go through lengthy phone calls with LONG call waiting to speak to someone at TransUnion, each time the person assuring me that the problem was fixed for future attempts ( they would do the freeze or unfreeze in real time during the phone call that I made ). I even spoke to supervisors with assurances all would be well. It was NOT well.When I read the XXXX, I felt validated that TransUnion was XXXX it up for everyone.They need new leadership immediately. 
Do you have any suggestions? 
Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I went to the Wells Fargo on XXXX XXXX just before noon to open an account, as there was an online ad for a {$520.00} bonus for opening an account and depositing funds. 

When I walked in, a XXXX XXXX woman who may have been from XXXX asked me if she could help me. I told her I wanted to open an account, as there was an online ad for a bonus and I had the coupon code. She looked irritated and had me sit down and asked me, did you read the conditions to get the bonus? I said yes. She said, so you're going to have direct deposit? I said no, I'll do the funds transfer. She said, so you'll bring in the amount? I said, no, I'll do an online transfer. She said, so you have the amount? I said yes. Then she told me to sit in another chair because she was busy with somebody else. I walked out. 

Four times she treated me like an XXXX : First, she asked if I had read the conditions ( of course ) ; second for saying, then you'll do the direct deposit? ( Obviously she didn't know there were other promotions going on that don't require direct deposit. ) Third she asked me if I'll bring the money in. ( Hasn't she heard of electronic transfers? ) XXXX, she asked me if I had the amount ( why does she think I don't? ). She was giving me the third degree after I had specifically told her that I had read the conditions and was prepared to transfer the amount. She made it clear that she didn't believe me. What a rude, condescending XXXX. 

So I went to another Wells Fargo at XXXX XXXX XXXX and told a woman I wanted to open an account ; that I had seen the online bonus advertised. She got the same " you're bothering me '' look on her face, spent more time than necessary to see if she had any appointments scheduled, and finally told me to sit down, and she put on a fake smile and said that her name was XXXX. Then she demanded to know what my long-term goals were! I wasn't about to answer any personal questions and told her so. If she wants to check my credit score ( XXXX ), fine. Or my employment. Or my criminal record. But I wasn't going to make small talk with her. She insisted that I answer her questions so I walked out. 

I follow the banking bonuses and have opened many accounts at different banks. But I've never been treated like this. 

It looks like Wells Fargo advertises the bonuses to draw attention, then does everything possible to treat customers XXXX XXXX  XXXX  so they won't actually try to get the bonus. Maybe the bonus comes off the local banks ' bottom lines- is that why they obviously don't want me to open an account? 

I've had three mortgages through Wells Fargo. Won't make that mistake again.
Consumer complaint received 2017-12-04
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: American Credit Acceptance, LLC (AZ)

I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MA)

I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. 
I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay card
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from The XXXX at XXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received XXXX letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 

*Note there are XXXX certified mail receipts pictured. XXXX was for mine and XXXX was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Nelnet has violated Federal laws concerning the use of private information. Nelnet is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Nelnet to provide documentation used to determine that all disputed loan accounts were verified, consumer is not asking for a statement. If Nelnet isn't able to provide said items, loan accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules.

I will be filing form 211 treasury omb forms to audit consumer accounts.

Consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language NELNET is securitizing consumer data yet refusing to provide an updated presentment of debt verification and how they are a party to the debt and how is it owed to them also an updated presentment is not written in legalese as this is fictional language.

Nelnet you are interfering with commerce and that is a Federal Crime Nelnet COMMISSION FILE NUMBER XXXX IRS XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Account Fraud Report Reference XXXX XXXXXXXX Incident Date : XX/XX/2022 Checking Account : Bank of America I opened an account with Bank of America for my XXXX XXXX XXXX daughter and instructed the personal banker to disable the option for over drafts on this account. If she doesn't have the funds in her account to complete a purchase transaction, then the transaction should be declined. 

My daughter lost her debit card for this account ; yet did not have any funds in the account. When I viewed her account status, there were several transactions of substantial amounts ( i.e. XXXX XXXXXXXX to {$4000.00} ) deposits and withdrawals in this account. My daughter does not have any means or access to this amount of money. I called the bank to close the account, yet was informed that I would have to transfer my funds into this account to clear the negative balance associated with these fraudulent transactions. Since the account had been compromised, I did not agree to my personal funds be used due to the unauthorized activity on a minor 's bank account.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately. 

The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Since XX/XX/, I have not been able to deposit checks from XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo checking account. The XXXX  checks are drawn on a XXXX bank account. I have been successfully depositing checks from XXXX  for years. Previously, they used XXXX, which became XXXX. Same account number. 

On XX/XX/2023, I deposited a check using the ATM. I immediately received an email from Wells Fargo stating that there was a problem with the check and it could not be deposited. The check and the XXXX account from which it was drawn are both active and viable. I checked with XXXX, as well. 

And again, yesterday, XX/XX/2023, I deposited two checks from XXXX, totaling {$400.00}, into my Wells Fargo checking account. And immediately, received an email that the checks could not be deposited. 

Wells Fargo has not been able to resolve this issue. I suspect that there was a malfunction with the ATM in XXXX. 

I do not have access to the funds and I'm beyond frustrated that once again, I need to spend time on this.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$12000.00} XX/XX/2022 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

XXXX has not provided validation requested several times trough the credit bureaus an directly. I don't know who is XXXX and why are they traying to collect and what and why.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from XXXX XXXX XXXX XXXXXXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received two letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 
*Note there are two certified mail receipts pictured. One was for mine and one was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.
Consumer complaint received 2023-10-31
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. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX since XX/XX/2019, but the 3 credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management. 

On XX/XX/2023, I sent a cease and desist contact letter. I receive calls every day from this company. There are no delinquent account on any of my credit reports. The company does not leave messages, nor do they send anything in writing. Its been over two months and they continue to call me almost daily despite the written cease and desist letter mailed on XX/XX/2023. 

I have blocked no less than a dozen numbers all registered to Midland Credit Management. I have no idea how many different phone numbers they have, but every time I block one, they call from a different one.