davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

Original my student loans were all with XXXX, but they transferred over to NelNet when the XXXX contract cancelled. XX/XX/XXXX, I transferred all my student loans over to XXXX. I've been trying since at least XX/XX/XXXX to get my XXXX credit report to update the status of the NelNet accounts as Closed-transferred/never late. XXXX is the only credit bureau that shows that I have student loans with both NelNet and XXXX for the same student loan accounts. XXXX and XXXX indicate correct student loan information with XXXX only. I tried to both call and email NelNet directly with no response to correct the reporting error to my XXXX credit report. XXXX keeps telling me that NelNet will not update the records when I file a dispute so I'm unable to resolve with XXXX as well. The duplication of student loans between NelNet and XXXX is unacceptable and increases my utilization % on XXXX.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

My son attended XXXX University XXXX I was remarried to a man who was not helping me pay for my son 's college. But the financial aid department ignored my letter stating this fact and included his income in determining my son 's financial aid my son took some loans in his own name and I unfortunately took Parent Plus Loans. This being said my son went to XXXX school and took loans for that too so therefore he can not help me. When Navient had my loans at XXXX at a good interest rate of 2.5 % XXXX at the horrible rate of 8.5 % when I told them I could not afford the payments of over one thousand dollars a month for these loans they suggested forebearance and of course interest accrued on these loans. When I came off forebearance I consolidated the XXXX loans at 8.5 % the first year the put me in a pay as you earn payment plan to be revisited each year with that plan the loan were affordable. When it was year two I had to send my tax returns in and my payment went up drastically when I called for an explanation I was told they made a mistake the previous year that Parent Plus loans do not qualify for Pay as You Earn Repayment Plans only Income Based Repayment Plans. They said based on my Tax return I could afford the payment ... ..they do n't consider all my bills. I have already been in debt management after divorcing the man who ruined me financially. My first husband died at a very young age leaving me to raise my son and my XXXX daughter alone. That is why I went for the loans to give my son the best education I could, not realizing what those loans were actually going to do to me.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just checked my credit report and noticed that an item was illegally inserted from XXXX XXXX ( {$7300.00} ). I have never had a contract, spoken with anyone from the company nor received any time of written communication from them. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX my checking account at Bank Of America was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Bank of America XXXX times and received the same response each time " there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!!
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

Hi there! I'm restarting my student loan payment with Nelnet from great lakes. Last month in XXXX I created my account and saw the payment was not due until XXXX  XX/XX/2023. I went in XXXX  ( XX/XX/2023 ) to make my first payment and they locked me out of paying the loan until XXXX. They will not credit me until XXXX  XX/XX/2023. They said I'm late even though I'm days early. I don't get paid until XXXX they make it impossible to make a good faith repayment. Also they make it due on a day I can't pay. How is that fair? They apparently only process payments on business days but I made mine on XXXX  XX/XX/2023. Nelnet does not make it clear anywhere they only process payments on weekdays. I would have made arraignments to make a good faith payment before if I had known. Nelnet is purposely engaging in deceitful practices in order to get their customers to pay late fees. I'm worried this will hit my credit too. I tried to reach out but they make it impossible to do. I was never able to reach anyone.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/year> I received an alert USAA had obtained my credit report. I contacted USAA and stated to the representative I had not applied for credit with the organization. Representative stated I needed to send a letter disputing the inquiry. Letter was sent XX/XX/year>. Response received from USAA XX/XX/year> and stated I applied for credit or a credit limit increase and the inquiry will remain on my file for two years. Stated I would need to dispute with XXXX. I can not dispute with XXXX unless I send a letter and they will prolong removal.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

All I wanted for a resolution was to change the credit reporting to " Paid as agreed '' and please remove the " Charge Off '' from the three major credit reporting bureaus. This has impacted my FICO score and my credit worthiness. Please consider correcting this IAW Fair Debt Reporting Act. 
On XXXX XXXX, Resolution Specialist, Regulatory Complaints received my complaint filed to Consumer Financial Protection Bureau Case No. XXXX. Her research in her letter sent to me on XXXX was not accurate. The Recovery Team in XXXX stated they were not able to take any payment due on my accounts went to an outsource collection Agency were unable to identify the collection agency and recommended that I wait to hear from the collection agency. I never received any registered mail or there was no reporting of the collection agency on all three major credit reports. XXXX stated in her letter that in XXXX the accounts were placed with an outside collection agency XXXX. The accounts then were brought back internally to FIA Card Services in XXXX and the initial payment program from XXXX was reinstated. I have no documentation to verify this from Bank of America, FIA Card Services or the named XXXX. Further XXXX stated in her letter that my accounts never left Bank of America but the contradicting statement that the accounts were placed with XXXX so this validated my accounts were no longer with Bank of America or FIA Card Services! This explains why the recovery department was unable to take payment until the accounts returned full circle. I have been making monthly payments on both accounts. These accounts are being paid off and no balance owed has ever been " Charged Off '' or " Settled '' only " Paid As Agreed ''. So why am I the customer being penalized with the accounts reporting as a Charge Off which states uncollectable this is not a true statement! Please reverse the reporting to paying as agreed and this would satisfy my complaint. 

PS. Thanks for looking into this matter! I have been penalized long enough one would agree!! Not even certain if the balances owed is accurate and it has been nine very long years trying to get through this process! If I did nothing these accounts would of matured and fell off my credit report two years ago or we would of went to court but I was going about this with total honesty!
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We tried to make a withdrawal at an atm ( We are in XXXX ) I have a receipt that the transaction was rejected. My Bank of America side said the transaction went through and they deducted the money along with the fees. I called them and they said I had to wait until the next day when it would be removed. The charge is still on my acct. I told them to credit my acct until they figured it out like XXXX and XXXX would do. They said they do n't do that. These banks get away withXXXX. They have XXXX in assets and if I needed to buy food I would still be waiting to eat. They should not be allowed to do this. Also, they have a telephone system that does not work. I hadto push buttons randomly until a live person responded. I spent 33 minutes on the phone with a company that charges me {$16.00} per month to take my money.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MS)

PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed immediately.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: Conn's, Inc. (TX)

The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

XXXX changed to Navient and I had automatic payments and was not notified that the payments were not going to be transferred. Because of the the loan went unpaid and this caused negative marks on my credit, I have called Navient to correct these negative marks to bring my credit score back up and they will not comply even though I corrected the issue as soon as it was discovered and have been making my automatic payments through my bank. Such practices can ruin the credit of a former student making finding housing and purchases impossible.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

Bank of America XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (CA)

To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

I had a citibank credit card for years while I was married. I was divorced at the end of XXXX, the divorce decree gave all of the marriage debt to be. I called citbank on numerous occasions to work out some payment plan but they refused. I contacted XXXX and they worked out a payment plan with Citibank that I am paying. Citibank however continues to report me as chargeoff and delinquent even though I am paying as agreed a reduced payment / settlement. In addition they also continue to report an in accurate home address for me. I ask only that they report my correct address and that they report me as paying a settlement as agreed. They say they will not change a thing until my debt is paid in full in XXXX, so they are continuing to damage my credit even though we have reached a settlement and I am paying as agreed.
Consumer complaint received 2015-12-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: LOAN TO LEARN (FL)

Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (OH)

The week of XXXX XXXX, 2016 I made a call to CitiCard Customer Service to proactively call and let them know my credit card payment was going to be late for the month of XXXX because I had transitioned into a new job and was waiting for my first paycheck. I requested for the customer service rep. to provide assistance with a forbearance, due date change, or forgiveness due to my situation. The customer service rep. assured me that I would have nothing to worry about, thanked me for my due diligence of calling in to let them know my payment was going to be late and that if I were to receive a late charge I should call back in to request for the XXXX late charge to be removed. This evening, XXXX XXXX, I called to request for my XXXX late charge to be removed, explained my hardship again and explained I will not be late going forward and I was told that my payment was late due to my own error and not a bank related error they would not be able to assist me. I find this unbelievable that a company would treat their customer in this way. I could have just avoided them for a couple of weeks until the payment was withdrawn from my account, but I did n't. I gave them notice that I was having a small and temporary hardship and I feel like they took advantage of me. They basically assured me that my account would be okay and mislead me to get me off the phone and on to the next customer call. Due to this, knowing the risk involved I closed my account immediately further damaging my credit, all because this bank wanted to take advantage of my situation. The sad thing is I know I am probably not the only person who tried to do the right thing and be proactive, but for what?
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: American Mortgage Investment Partners Fund I Trust (FL)

I 'm a single mom with XXXX young children and I 've paid over {$60000.00} for the place I 've been renting for the last XXXX years and it 's now in foreclosure. The compressor on my air conditioner blew on XXXX XXXX and when I contacted American Mortgage Investment Partners, the company handling the house for XXXX Bank, they said they do n't take ownership until XX/XX/XXXX so they wo n't do anything until then. The managing partner, XXXX XXXX, told me to pay for it myself or go buy a fan and wait it out. I will not buy an air conditioner for a bank! Please repost!