davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

The capitalization process with Nelnet is unconscionable and unfair. I have a balance of over {$140000.00} in student loans with Dept of Ed serviced by Nelnet. I have been trying to pay them off one loan at a time. I was on an income-based repayment plan. Recently, I received a letter that I need to recertify otherwise my payment will go up. At the time, I was on maternity leave and out of the country, and my tax documents were not with me. So, I submitted my loan application on XXXX XXXX a couple of weeks late. I expected that I might pay a small fine or a higher payment for a month. My payment is going up on XXXX XXXX, XXXX from {$320.00} to {$1400.00}. However, on XXXX XXXX, XXXX, all my interest on all the loans was capitalized. 

I never received a warning or letter that they will capitalize the interest if I do not certify. I have not been late with my payments. Because of the amount of my loans that means that I will pay extra thousands of dollars for the duration of the loan. When I contacted Nelnet, I requested that my capitalization is reversed as I have already recertified. They said that they can not reverse it. Even the team leader XXXX admitted that their education efforts are not sufficient. This is the third time XXXX has capitalized my interest : first time, at the end of my grace period, the second time at the end of my forbearance period couple of years ago and third time now. How is the Department of Education expecting us to pay these student loans when they are forcing us to pay interest over interest over interest over interest at 6.55 % and 7.65 %? 

Furthermore, Nelnet warns you only about the immediate increase of payment. They do not explain how the income-based plan works in a long-term ; basically, these are negative amortization loans : the interest per period is not fully paid, and the outstanding balance increases over time. So, the debt only gets bigger and bigger. 

At last, there is no information or warning that Nelnet is capitalizing your interest and why. I have attached one of the form letters that I received regarding the recertification. Nothing has been mentioned about capitalization of my interest if I am late with the recertification. Of course, that will mean that my loan gets bigger, my time for repayment is longer and Nelnet service contract is longer and more lucrative.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to " lock '' my credit info with TransUnion, a service that they offer. I created an account with them on XXXX/XXXX/XXXX and tried to lock my info. Website reported it was unable to complete request and to try again later. I tried at least two more times on XXXX and twice today XXXX and got the same response. They provide no info on when their system will be able to lock credit info. I am concerned because of the XXXX breach. The other credit reporting companies ( XXXX, XXXX, even XXXX! ) were fairly easy to contact online to freeze credit info. BUT NOT TRANSUNION!
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. 

This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. 

This is an inaccurate and illegal reporting and I want this account removed from my credit files.
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch Sturm LLP (OK)

Company, XXXX, XXXX, and XXXX, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment. ( XXXX XXXX ) and placed a lien on my property. They did not notify me in any manner. I did not find out until about it until I applied for a property loan in XXXX of XXXX. XXXX, XXXX, and XXXX is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that these three companies stall and waste time by blaming the other. All three are involved ; I 'm naming the XXXX ... because your question asks who notified me of this debt. 
I got a lawyer in XXXX of XXXX, who won for me ( XXXX XXXX XXXX XXXX XXXX for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to pursue collection. 
Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgment because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) XXXX, XXXX, and XXXX filed a lien for {$7100.00}. I was never notified. 
Love, XXXX, and XXXX ( or XXXX XXXX XXXX ) owes me {$1900.00} as awarded by XXXX County judge,  XXXX XXXX. 
I have suffered other financial damage because of being denied a loan from my bank. 
I have suffered other damage because of the time and stress in trying to deal with this series of events. 

I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

XXXX sold my loan to XXXX who sold to XXXX. BK was filed w/ XXXX so should never have sold. Experian is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

XXXX sold my loan to XXXX who sold to Rushmore. BK was filed w/ XXXX so should never have sold. XXXX is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MI)

Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have 0 customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXXTrueAccord.com they just bounce me around and provide no help, just want me to pay for a product that was never delivered
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Gemini Direct LLC, dba Credit Innovation Group (PA)

XX/XX/21 I signed up for credit innovation services after XXXX searching federal loans for first time homebuyers.they misled me to make me thing they were connected with the givermant for FHA loan I paid them hundreds of dollars then 15 a month since once they took the big down payments I was hearing from them every week and all soon as I finished paying and just paid the 15 a month dont hear from them no credit letters going out nothing They didnt even help me get the loan follow up TO get the loan nothing .I was to buy my house I live in now
Consumer complaint received 2023-02-25
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)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (KS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OK)

On XX/XX/2018 I opened a new Citi checking account stating I would receive a {$400.00} bonus if terms were met. I met required terms and on XX/XX/2018 I received an Email stating congratulations you have earned a {$400.00} bonus. After multiple calls and chats being told I got it but just needed to keep waiting it still has not been credited.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For the Second time ( 2016 ) I was contacted through mail from bank of america that I owe money to their firm. I have enclosed my judgement proof of XXXX ( XXXX XXXX XXXX ) as well as XXXX XXXX XXXX  check stubs to provide proof of my claim
Consumer complaint received 2021-11-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I have contacted Rocket mortgage via phone on XXXX/XXXX/21 and XXXX/XXXX/21. I emailed them on XX/XX/XXXX21 and XXXX/XXXX/21. I also mailed a letter to them sometime last week requesting that they remove my PMI because I am at 78 percent LTV and it has been at least 2 years that I have had the loan. The Home Owners Protection Act of XXXX as well as section B of my closing statement says I have the right to cancel my PMI. As of today my LTV is at 75 percent.
Consumer complaint received 2021-11-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (PA)

US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.
Consumer complaint received 2019-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I was struggling to make payments with Navient, and getting bombarded with phone calls saying that a payment wasn't made. I would say a payment was made on this day and they would say sorry give a 24-48 hours to show up for us, this would happen a couple times a week. I would go online and see fees and have no idea where they came from, my account would show not current while payments were being made. While I would get these calls telling them a payment was in fact made, I would say this is really hard, I need my payments lowered. I was told by a representative that they didn't want to insult me on how to make my payments. I couldn't take the phone calls, or the struggle, or just the rudeness of the employees anymore so I missed a couple payments. In XXXX, I was told that no one worked hard enough to lower my payments and infect my interest rate could have been lowered. I was distraught because this has been a struggle, I had a baby 10 months ago so I had this added expense as well. I was asking for a contract saying that this is what my payments would be if in fact my interest rate could be lowered and was told they can only do this verbally and also if my debit card was on file. After everything I did not want to have an automatic payment from this company. I have been trying to get an attorney to help me deal with them and I can not find one that is willing to take me on, one in my budget that is or deal with this company. Two attorneys said that they do not deal with Navient. I just want to pay back my loans without being insulted or depriving my daughter of things that she needs and being able to pay my other bills.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NC)

I've asked American Express Personal Savings to close my account and mail a check for what's in my account of {$500.00}. I need the account closed and a check mailed to me as soon as possible for what's in my account and there holding the money.
Consumer complaint received 2017-10-02
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. (NY)

Transunion just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but transunion is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as congress collections. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed immediately.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX : XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

XXXX  XXXX  calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, XXXX XXXX