davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
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. (TX)

In XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, XXXX  and Experian is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my substance use disorder, I have been in recovery from all drugs and alcohol for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, XXXX and Experian, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Consumer complaint received 2024-11-13
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. (SC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-01-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Meridian ARG Inc. (NH)

I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. 
The number the calls are coming from is XXXX
Consumer complaint received 2017-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have loans serviced by Navient and have had repeated issues with repayment processing and unjust penalties being assesssd because of such. I was offered a repayment plan to schedule payments out for 15 consecutive months to bring my account current after a financial hardship. I scheduled 15 payments based off of my expected pay schedule. These payments were scheduled later in the month but my expected payments were due at the beginning of the month. My account was constantly considered past due and was repeatedly assessed a late charge because of that. Aside from the late charges, after 11 payments, my payments ceased to be debited from my account. This caused my account to be past due. When I called to discuss this j was told that my payment schedule had expired even though I had the confirmation numbers to confirm it should have been processed for several more months. I was forced to sign up for 15 more consecutive payments with an " administrative forbearance '' being granted to process the past due amounts and the principal and interest were therefore capitalized and increased my payments by nearly 15 %. After 12 months of the next repayment schedule the payments ceased being debited again and I am now dealing with the repetitive calls. Even more so, every time I have attempted to discuss alternate repayment options, such as consolidation or income based repayment, I was told I had no other options. There is no willingness to work with customers.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MO)

I received a real, ready-to-activate XXXX in the mail from a company called " netSpend Corporation '' with a mailing address of XXXX. XXXX XXXX XXXX, TX XXXX Even though I have never interacted with this company before, nor even heard of them. My understanding was that companies were no longer allowed to mail out real, unable credit or debit cards ubless individuals had specifically applied and requested them. Therefore, I 'm alarmed. The card is listed as a Debit card. Perhaps that makes the legal difference. But, again, I have never had any interactions with this company. On top of that, the services advertised is that this card could help me get my direct deposit payroll payments " up to 2 days faster! '' And yet the numerous *fees* listed on the back of this netSpend card/account in fine print are significant and highly predatory. This netSpend debit card has all the makings of a scam. Sounds " legal, '' but predatory.
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I took out a private loan whilst I was a graduate student at the XXXX XXXXXXXX XXXX. I have had periods of deferment/forbearance/difficulty paying. The loan balance now, in XX/XX/XXXX is actually higher than when I graduated in XX/XX/XXXX. I am totally frustrated. I make payments every month and NOTHING changes.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (SD)

I have a loan with XXXX and I believe the Consumer Financial Protection Bureau needs to also look at Nelnet. I have XXXX and my loan was discharged under XXXX Guidelines also known as XXXX. I had spent many years trying to get the loans discharged with Nelnet. Nelnet could never seem to find the paperwork that I submitted to have the loans discharged. I repeatedly called, faxed, and mailed information to Nelnet. My loans were wrote off and charged back because of my income. I will continue to fight on these loans and have come to accept the fact that Nelnet is a big company and they will probably get there way. A letter wrote by XXXX XXXX of Nelnet to the Attorney General of XXXX on XX/XX/XXXX stated that Nelnet had told me that the calls I made on on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that they did not have an Ombudsman. That part was true than XXXX XXXX Of Nelnet continued to say in her letter to the Attorney General and to me that Nelnet recommended me to contact the Ombudsman group with the Department of Education that was a lie. " Half a Truth is often a great Lie '', XXXX XXXX. How many of these half truths does Nelnet tell the people it services. I asked for transcripts shortly after each of these calls I had made and I have received nothing. I do n't really care what Nelnet does to me and my credit rating. I want people to know that Nelnet is being deceptive at great lengths. How can Nelnet Have a good code of conduct if they are lying about the little issues. " Nelnet 's Code of Conduct applies to and serves as the guide for all of our associates as we strive to do business with the highest degree of honesty and integrity. ", this is off of Nelnets Code of Conduct website. XXXX XXXX CEO. They are just as bad as XXXX is.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax received my official letter via certified mail tracking number XXXX delivered XX/XX/XXXX at XXXX XXXX. Specifically, it was a request to remove the " extended fraud alert '' and also remove " file blocked for promotional purposes ''. I also included the front/back of my drivers license and front/back of social security card. I do not want my information to " get lost in the shuffle '', especially, with new credit reporting laws that took place in XX/XX/XXXX,  meaning the credit reporting repositories are inundated with updates.
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (CO)

I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CA)

For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (CA)

XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.
Consumer complaint received 2017-06-27
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: Experian Information Solutions Inc. (GA)

My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IN)

I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, XXXX XXXX.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WA)

Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.
Consumer complaint received 2017-07-19
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: Rocket Mortgage, LLC (MN)

I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

According to 15 U.S.C. 1692C you have violated my rights by unlawful communications please remove these collections off of my credit report, please and thank you.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Company switched me to paperless billing. I did not want this, nor did I receive any bill thru e-mail. X/XX/2017 Received notice via mail that account is XXXX payments past due. Called the phone number on letter and paid amount in full via electronic check. Company refuses to admit their mistake / credit me for the late fees & interest associated with this issue.