davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX,2017 Syncb/Walmart and Syncb on XXXX 2017 this bank pulled my credit without me authorizing them to do so.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.
Consumer complaint received 2017-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, XXXX and transunion reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.
Consumer complaint received 2017-08-05
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: EQUIFAX, INC. (NC)

Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Whom It XXXX Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX XXXX XXXX Account is closed please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX  This account is closed please delete from my credit report XXXX XXXX XXXX XXXXt : XXXX This account is in collection with a past due amount of {$570.00} according to the XXXX XXXX XXXX MUST be deleted. 

XXXX XXXX Account : XXXX This account is closed please delete from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is in collection with a past due amount of {$100.00} according to the XXXX XXXX XXXX MUST be By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED XXXX XXXX XXXX Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (IL)

This company called my elderly father - has not ever called or left a message for me. They said they were collecting a very old debt that I was ignoring and they threatened that I needed to contact an attorney because they were going to sue me for this " very old debt. '' They identified themselves as " Agent XXXX '' like they were from some government agency. When I called them back they asked for my SSN and would not speak to me unless I gave it to them. I did not.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As I, XXXX XXXX notified Transunion, I am a victim of identity theft, I am not a credit fix it person or a agency as Transunion accused me of.
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in  XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing the outcome from XXXX about a complaint issue with XXXX XXXX # XXXX****, XXXX*** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing. XXXX has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. XXXX XXXX days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

Fraud transactions happened in my remitly account between dates of XX/XX/XXXX to XXXX XX/XX/2022, total of 12 transactions. I contacted remitly customer service, they did not provide me refund or any sastifactory reponse and they locked my account without any reason. Then i contacted my bank and i filled a complaint, investigation happened one month and they told me to contact remitly, as they cant do anything. i am suffering from this from last 4-5 months. Please pay attention to my complaint.
Consumer complaint received 2020-11-20
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: WELLS FARGO & COMPANY (GA)

A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.
Consumer complaint received 2017-08-05
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: Experian Information Solutions Inc. (OH)

I was reviewing the outcome from EXPERIAN about a complaint issue with   XXXX   XXXX   #  XXXX ****,  XXXX *** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing.   XXXX   has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed.   XXXX   XXXX   days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Graystone Funding Company, LLC (WA)

I was in a loan program that had an interest rate of 5.375 %. On XXXX XXXX, XXXX, XXXX XXXX ( a mortgage originator for XXXX XXXX ) told us that he can switch our loan program to a different program with 4.875 % interest rate. I did n't like the sound of 4.875 %, but I was willing to go for it because I was convinced that he would work hard to get me the best rate. I gave XXXX all of the necessary documents to switch to the loan program of the 4.875 % interest rate and it seemed like he 'll handle the job well. Then, suddenly, on XXXX XXXX, 2017, XXXX had to get XXXX XXXX the next day so XXXX XXXX ( a loan originator for XXXX XXXX ) took over to close the deal. At that time on XX/XX/XXXX, there were only 2 days left for closing. On XX/XX/XXXX, XXXX contacted me that the rate was locked at 5.375 % and the closing date has to be extended to XX/XX/XXXX for the second time. I do n't know why the closing date has to be extended again to XX/XX/XXXX. Between the timeline of XX/XX/XXXX and XX/XX/XXXX, everything seemed fine with the loan process. I was approved for the loan, gave them necessary items that they asked me, and came up with 30 % down payment. I pretty much did whatever I could on my part. What happened between XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX 's part of the loan progress? Why did I get notified of the increased interest rate at the last minute?!?!
Consumer complaint received 2017-08-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.