davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$790.00} Date opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX 2020
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Time Investment Corporation (NC)

time financing service and new southern loans are showing the incorrect balance and incorrect number of past due payments on my accounts through XXXX. I am sure I am caught up by now on both accounts but they show like XXXX or more payments past due when that is not true.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX I was reached by individuals, acting on the behalf of and/or through the Internet platform XXXX. The individuals contacted me have explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills of the latter, these persons persuaded myself that they are completely legitimate, which influenced me an also made my decision to invest substantial amounts on their platform. 

The website XXXX was designed to maintain and exploit my belief, especially in average consumers who lack specialized knowledge and are inexperienced in this type of trading. 

For example, it contains information that their employees have years of experience as financial brokers, that the team has the necessary qualifications, and that the proposed trading is in full compliance with the applicable law, including in the field of anti-money laundering measures. 

However, our research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their sites. 

Deceiving the Complainant and promising substantial and rapid return of investment, the unlicensed financial broker demanded that i should initiate series of payments within short period of time. 

While the Complainant was deceived that these payments are for funding Complainants segregated financial investment account, none part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their Complainants. Therefore, i assume that all payments were laundered by the Merchant and i was put in deceit that i can really place trades and participate on regulated financial markets. 

For a certain period of time after opening her imaginary investment account, the Complainant had access to my accounts with XXXX. After a while, my personal profile was closed without consent, and all my attempts to get funds back into my " investment '' accounts were unsuccessful.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I have been contacting Nelnet for about 4 months requesting information on my refund due to my student loans being discharged. I received a letter XXXX  years ago stating my loans would be paid off and all payments made on the loans would be refunded to me. I have spoken to many agents at Nelnet and get a different reply each time. I did have two ladies tell me I would be getting a refund for my payments because they seem it in the system and to call back in XXXX. I called back last week and was told they see nothing and to call the Dept of Treasury. My refund amount should be {$30000.00}, if not more.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/year> I went to My Wells Fargo account, ending in XXXX with my name XXXX XXXX XXXX, as the person depositing to my Registered Cashiers check from real estate proceeds transaction from XXXX XXXX XXXX in XXXX XXXX  into my bank account ending in XXXX. 
{$210000.00} Was deposited with correct Personal Photo ID, AND the Certified paperwork from XXXX XXXX XXXX who had the funding vetted and approved by XXXX different major banks .Over a combined 69 days prior to my actual deposit at Wells Fargo XXXX 
I deposited the check, then recieved a paper receipt stating my wait to access my funds would be 2 days to begin using the funds from this check. I waited 3 days went back to my bank and was flatly refused access or service by banking staff saying something was wrong with the cashiers check. 
I knew this was a direct lie. 
WELLS Fargo placed a Hold on my funds plus Social Security monthly payment. 
Total hold was for 17 days. 
I Could not honor my contract to vacate my land. Daily rent fee ordered by real estate contract to be paid to the buyer at {$100.00} a day. Duration of hold was 17 days making it impossible To get daily meals, gas, food and water for my XXXX dogs, and ability to pay my movers for the scheduled move out date. Of XX/XX/year>. 
The refused access from Wells Fargo Cost me an additional {$6700.00} in moving charges delayed my move till the Fall of XXXX  and Cost me trip charges at XXXX cents a mile fuel expense over a extra XXXX mile round trip to collect my household belongings. Paying 5 months of storage fees at {$210.00} a month at XXXX XXXX XXXX XXXX XXXX XXXX 
Wells Fargo will not accept my complaint for the delay of payment access. Blocking access at a crucial time that ended up ruining my abilities to have free access to my real estate proceeds. 
RUINED a vacate time line contract, setting into motion a seriously harmful of set of intentional damages I suffered from no access to my bank account or my Social Security monthly payment. 
I am a XXXX XXXX  Wells Fargo is negligent, and responsible for what happened to me... I will never put money in thier bank again. 
THEY CAN NOT BE TRUSTED.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

15 USC 1681 ( I ) and 15 USC 1611 according to the law they have violated my civil rights I have asked them to provide Original Documents with my signature that these accounts are mine. I asked them to correct Public Information and correct addresses. I never lived anywhere else
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

The companies below have gone into my personal information, and they have created hard inquiries in my credit report without a good reason. 

XXXX. XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX / XXXX date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX date : XX/XX/XXXX Thank you!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXXXXXX XXXX XXXX. 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (IL)

I had my tax refund deposited into my Wisely checking account on XX/XX/XXXX for amount of XXXX wisely allegedly rejected the deposit saying they don't accept deposits of more than XXXX which was not there policy at all upon the time I picked this bank for my refund to go to they lied and said there was no deposit limit..I was not even notified via text or email that it came and was rejected ... I want to report that Wisely stole my deposit it's been 4weeks and IRS still has not received this deposit back and wisely was the last entity to have my funds ... .the XXXX is gone never given to me or returned to the original depositor irs the claim no responsibility and my funds are gone..I closed the account today XX/XX/XXXX for fear of future funds being stolen as well i want my funds recovered from this bank irs XXXX send a replacement check until XXXX gives them my funds back...
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (TX)

I back in XXXX applied for FASFA to get money to go to XXXX school, the school was XXXX. I believe the loan amount was like XXXX. I had to file a second FASFA which I believe was another XXXX. When I graduated or left XXXX, I had no clue how to pay back but started to receive paperwork from Navient. I for a year was paying the minimum amount back and when my husband and I filed takes XXXX our money was taken for the debt like XXXX. The following year they did it again and my husband had to file a grievance, and he got his portion back. Since then, I haven't received anything from Navient or any other collector. I have no clue who controls the debt, but it's been years. I wanted to file for forgiveness but have no account number or details.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (MI)

My husband and I are trying to purchase a house. There was an error on our credit reports showing a mortgage with a delinquent balance long after the debt was discharged in bankruptcy. I contacted 21st Mortgage and provided them an additional copy of the bankruptcy documents and demanded an immediate correction. We then provided XXXX with a letter from the mortgage account stating that they had made corrections and the debt was discharged in bankruptcy in XX/XX/year>. XXXX told our new mortgage company that they would not accept the letter from XXXX mortgage and the delinquency remained on our reports. XXXX then corrected our report on the consumer side - the report that WE can access - but has not rescored our account on the report that the mortgage company pulls for loan qualification. We tried contacting XXXX ( as did our mortgage company ) for the correction and were told that it was already corrected. As of today the report the mortgage pulls has NOT been corrected or re-scored. This is preventing us from purchasing a home. My husband and I feel like both companies have been in clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This collection account I am referring to is coming from a living situation where the apartment units I was living in were purchased by the state and the entire community was forced to move out. Unfortunately, myself and a few others were charged as if we broke our lease. 

A year later I found that I was being rejected by other apartments and noticed my credit low. After finding out I had a collections account I paid for XXXX " credit repairers '' to file a dispute with the creditor to provide proof of ownership of the debt. They did not respond either time. The company has tried to call and email that I owe them. I have not signed and payment plan or made any payment, but they have yet to respond and it's been over 6 months. 

I moved out of the stated apartments in XX/XX/year> On my XXXX credit reports, each bureau has a different collection company name and amount owed ; so all of it is inaccurate. 

The XXXX amounts they claim I am responsible for are {$8200.00} and {$8100.00}.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (MO)

I consolidated my XXXX loans with Navient in XXXX upon completion of my graduate school education. I enrolled in a plan that through graduated payments over a period of 20 years would pay off the almost {$60000.00} principal balance. Over the course of the next 20 years I made almost {$60000.00} in payments however due to shoddy loan management practiced, the misapplication of payments, and the misrepresentation of how interest and penalties accrued during and after deferment and forbearance periods the balance outstanding remained right at the {$60000.00} balance due. This caused a large amount of strain and stress on me financially and mentally. Knowing that I had acted in good faith by never going into default over 20 years and faithfully making payments yet I had gotten no where on the balance owed and had nowhere to turn for help in disputing this treatment from this student loan servicing behemoth.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (IL)

The credit report from XXXX XXXX and Discover bank shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score Discover : 30 days late payment in XX/XX/XXXX XXXX XXXX 30 days late payment in XX/XX/XXXX. 

I am filing this complaint to get the payment missing reversed so that my credit score be improved
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Since XXXX, I have credit card debt via a Bank of America XXXX that I took out while investing in a business and needing a couple XXXX to get it running. 

For years I paid the minimum or the interest charge, since it's all I could afford at the time. 

Finally just recently on XX/XX/XXXX, I had saved enough to pay off the entire {$3600.00} balance. Over those 5 years while the account was open, I ( XXXX ) paid {$7000.00} in interest and fees on a few XXXX dollar loan so I was extremely relieved to finally close this account out. Every month, I had automatic monthly payment via my Bank of America checking account, and for years I paid {$150.00}. Every single moth. 

To my utmost shock and surprise, I was then again charged on XX/XX/XXXX ANOTHER interest payment despite closing out my account and be reassured that I was done. 

When I called, I was given the run around. At first I was angry, considering this is XXXX and I'm disappointed their systems don't talk to each other. If a customer closes a credit card via the bank, it should shut it completely down? Why did I have to discover this on my own? What if I hadn't caught this and it slipped by for more months, and even years? Why did I have to spend an hour on hold and the phone trying to figure this out? And why did they try to send me a paper check to " correct '' this problem. When I pushed back, they said it would take two billing cycles to appear back in the account? It takes that long, as a bank, to wire money from one division to another? I have a lot of questions. I'm disappointed, I feel taken advantage of and it feels like theft. If I close the account, i am done with all payments- including interest and fees- why do they continue to charge? And then drag their feet when approached about it. 

The economy is hard enough. Doesn't feel good to have hard earned dollars taken from you.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Pro Collect is continues to violate my privacy and continues harassment with threats and consistent phone calls.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Hi I recently check my credit report and notice multiple inaccuracies. These inaccuracies includes late payments and inquires. The late payments are inaccurate and need to be updated to reflect my on time payment status. Below I will attach dates that I've paid. I am requesting you investigate the following accounts thoroughly and that they are to be brought to the most accurate dates ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these cards have late payments that need to be removed and updated to on time status. The following inquires are fraudulent and I did not authorize. XXXX  XXXX XXXX needs to deleted also being that I never authorized a card with them. XXXX XXXX as well please do your investigation to bring my credit profile up to date.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I am writing to formally file a complaint regarding a violation of the **Equal Credit Opportunity Act ( ECOA ) **, codified at **15 U.S.C. 1691 XXXX XXXX. ** As a customer of CITIBANK, I have encountered discriminatory practices that adversely affect my ability to access online banking services. 

**1. Disparate Treatment in Online Banking Services : ** I have been denied the same online banking options that are available to other customers, including a family member. This constitutes a violation of the ECOA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, XXXX, marital status, age, or because all or part of the applicant 's income derives from any public assistance program. 

**2. Inadequate Customer Service : ** Each time I contact customer service, I am connected to representatives who are not located within the United States and are unable to address my account concerns effectively. This lack of adequate support violates the standards of service expected from financial institutions and further exacerbates the discriminatory treatment I have experienced.

**3. Inefficient Resolution Process : ** Every interaction with customer service results in prolonged chat sessions, often exceeding one hour, without any resolution to my issues. This inefficiency not only wastes my time but also fails to provide the necessary assistance required
under the ECOA.

**Legal Basis : ** The ECOA, enforced by the **Consumer Financial Protection Bureau ( CFPB ) **, mandates that all customers must be treated fairly and equitably. The discriminatory practices I have encountered are in direct violation of the ECOA 's provisions.

**Request for Resolution : ** I request that [ Insert Financial Institution Name ] take imme
diate corrective action to ensure compliance with the ECOA . This includes providing me with the same online banking options as other customers, improving the quality of customer service, and ensuring timely and effective resolution of my concerns. 

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address these issues. 

**Sincerely, **