davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

In XX/XX/XXXX/XX/XX/XXXX I was contacted by a new student loan servicer to complete a re-verification for student loan repayment. Prior to this my loan was serviced by another company, I had never heard of Nelnet. I am on the Income Driven Repayment plan. After going over the information on the phone, they lady at NelNet said that my payment would continue to be {$0.00} ( this made sense because my wife has student loans through XXXX and her payment was also continuing to be {$0.00} and we both had to re-verify at the same time of year ) I was sent paperwork in the mail to sign and return, which I did. I did not receive any further communication from Nelnet. 

In XX/XX/XXXX I applied for an auto loan. The lender told me my credit score was XXXX ( it had been in the mid- high 600 's ) I was shocked. I asked how on earth that was possible. They said that Nelnet had reported 42 missed payments on my credit report. 

I pulled my credit report and verified that this was true. I contacted Nelnet. They stated that I do not have 1 loan ( which is how this had always been reported before ) but 14 smaller loans. These 14 loans had been reported as never being paid since XX/XX/XXXX but only once they had become 90 days or more past due. I had no idea I owed anything. Since my wife and my income are the same and we both filed the same paperwork, why would one servicer charge a payment and the other servicer not charge a payment? 
Nelnet refused to even consider that they had made a mistake. They admitted there was no correspondence but said they had tried to call - this is false - they did not ever try to call. 
My credit is ruined, it will take years to undo the damages caused by this company. We can clearly prove they are incorrect but it does not matter to them. We made the {$23.00} payment they wanted for the past 6 months today to try to repair as much as we can. We have filed to have all of our loans serviced by XXXX. Please help us.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

On XX/XX/2019, I wrote two letters to Equifax asking them to investigate several items on my consumer report. My letter specifically noted that I was not requesting a freeze or fraud alert at this time but reserved the right to place a freeze or alert upon the completion of the investigation. 

XX/XX/2019 Equifax responded via letter that they have not only placed a fraud alert on my account, but that they have forwarded a request to place a fraud alert to theXXXX and XXXX. This caused a fraud alert to be placed on my XXXX   report as well. 

I have written to Equifax explaining their error and requesting the alert be lifted immediately. The negligent action of placing an alert on my consumer file despite my explicit requests has caused me to be denied a line of credit I would have otherwise been entited to receive.
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (TX)

Our home was destroyed in a national disaster ( flood ) in which we received a total loss on our insurance policy from FEMA and we were forced by the county to tear the house down and rebuild. FEMA released the entire amount upfront ( {$140000.00} ). Because we have a mortgage the insurance check had to be endorsed. We received a letter from our mortgage company stating that we qualified for full release of funds and that if we sent the check in to them it would be endorsed and sent right back. We followed the appropriate steps but instead the company cashed the check and is now holding up a large portion of the proceeds preventing us from completing our new home. Our original insurance check was for {$140000.00} of which only {$100000.00} has been released. We scheduled a inspection of our new home in which the inspector ( hires by lender ) stated our new home was 80 % - 85 % complete ( contract price on new home is {$250000.00} ). We are making up the difference in new home cost in cash. However the mortgage company is refusing to release the proceeds until our new home is 100 % complete. The local banker, same company, offered a line of credit to help us complete the home essentially attempting to make more money off of us all while holding our money.
Consumer complaint received 2023-11-21
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. (GA)

XXXX XXXX XXXX credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On FridayXXXXXX/XX/2019 at XXXX XXXX my California XXXX XXXX XXXX XXXX XXXX XXXX Funds of {$4300.00} was supposed to be deposited in my account with Bank of America on my checking account with routing number # XXXX and account number # XXXX. 

California XXXX XXXX XXXX XXXX put the wrong account number for my Bank of America.California XXXX XXXX put this wrong account number # XXXX. 

Now as of XXXX XXXX I don't have my XXXX XXXX XXXX  in my Bank of America account. 
On XXXX XXXX I went on California XXXX XXXX website online and implemented my correct Bank of America routing number and correct account number as I made new direct deposit for Bank of America. 
I don't why California XXXX XXXX XXXX XXXX implemented my wrong account number with # XXXX for Bank of America? 
I am XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (PA)

I XXXX XXXX notice that Equifax and XXXX   continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX XXXX {$560.00} ) continues to report to Equifax and XXXX ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against EQUIFAX and XXXX. 

( XXXX XXXX XXXX XXXX {$560.00} ) EQUIFAX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : Equifax, XXXX XXXX and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been with Capital One for over 7 years. Never have they treated me so poorly or cared so less about my problems. I was scammed before I could verify an account to pay my credit card, so my account was put on hold. I was informed I have to provide the information to that account that was to be used to pay my CC but being scammed there is no paperwork.. no information to give Capital One. Capital One informed me that I will have to keep paying on my credit card untill I provide the non-existent information, which I CAN NOT because I was scammed. Capital One does not help people who are scammed therefore my credit will never be fixed and this credit card will be on hold my whole life is what I was told today by supervisor XXXX. There is no help just limbo. I have called multiple times, talked to multiple people including other supervisors and they literally say the same thing. " We can not help you unless you provide the information that is needed. '' I WAS SCAMMED! I always pay my bill, infact I love my Capital One card but this information that is " needed '' doesn't exist. I have XXXX kids that depend on me and one bad issue that a well renowned company won't help me with. I need this fixed so I can go on with my life.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A debt collection agency known as XXXX XXXX XXXX, also known as XXXX claims that I owe debt. The debt includes {$510.00} on XX/XX/XXXX, {$490.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, {$510.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX. The creditor that originated the debt is known as XXXX XXXX of Florida. I tried to contact the creditor however, had trouble locating this business. I called XXXX on several occasions in regards to the debt. I explained that I am unfamiliar with the business that submitted me to collections and have never had services rendered from the creditor that is claiming the various amounts according to the specified dates. Furthermore, the debt collection letter indicates my first name correctly, however, the last name does not match with my actual last name. I contacted XXXX, to inquire about the debt and explained my concern. XXXX requested me to provide my social security number. I provided them with this information and then they explained that my social security number does not match with their records. Thus, they advised me to contact TransUnion. I contacted TransUnion to file a complaint against XXXX, explaining that the debt collection that is on my credit report does not match up with me, the individual. The debt collection letter has a totally different last name, not misspelled. Also, the social security number that XXXX, the debt collection agency, has on file does not match up with mine. Thus, my last name does not match up nor does my social security number. TransUnion 's investigation concluded that the information from XXXX is accurate. How can this be? The last name and social security number does not match my identity. In addition, I have never had services from the claiming creditor. In conclusion, the charges against me are fraud and TransUnion has done nothing to help me after I fully explained the same information as I indicated in this summary.
Consumer complaint received 2019-04-30
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. (CA)

I filed bankruptcy XX/XX/2012. The bankruptcy is still showing up on my TransUnion credit file past the 7-year deadline. I have on numerous occasions and most recently in XXXX disputed this error and informed TransUnion. They are reporting passed the Federal Credit Reporting deadline. Since this is affecting my ability to purchase a house I would like to take every legal action available against TransUnion. 
Thank you
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/2019 I found out that I have a negative report on my credit history from a collection agency called XXXX XXXX for unpaid bill from XXXX XXXX XXXX. I contacted debt collector service, and told that I am still waiting to receive the final bill from XXXX. The representative told me that she is not with XXXX, she is a debt collector and the call is recorded for the purpose of collecting a debt on behalf of XXXX. I asked for the amount, she told me XXXX $ and I responded with : I dont know anything about the this bill, and why they reported that to my credit history without sending me any debt collection letters. I did not even had the chance to verify the debt. I was told that I can call XXXX and find out about the bill but right now, if I want my credit history cleared I should pay the balance in full. I asked if they will remove their negative report of my credit history. She replied Yes and promised '' We will update your credit history within 10 business days '' I paid off the balance immediately and now the debt collector refuses to remove their negative report. My complain is based on the fact that the debt collector used false and deceptive language which made me to falsely accept the debt in exchange for repairing my credit history. I called them several times, I spoke with their manager and still no resolution was achieved. I am asking for your assistance with this case, especially when we are ready to finally purchased our first house. This has a destructive effect on my credit history. Thank You. XXXX XXXX XXXX. P.O. Box XXXX XXXX, NC XXXX
Consumer complaint received 2019-04-30
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: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, Mr. Cooper called my partner and I about us qualifying for a lower mortgage payment and asked if he had our consent to run our credit for it. My partner told him that he did not and we would discuss it first. I noticed later that day that he did in fact pull our credit and it was a hard inquiry. We called him back and he stated he mistakenly pulled it. The hard inquiry was done without our consent and would like to have it removed.
Consumer complaint received 2021-03-08
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. (TN)

XXXX XXXX XXXX XXXX, XXXX at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (WV)

XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AZ)

Phoenix Financial Services has failed to provide legally required validation of an alleged debt within 30 days. The request of validation was received by Phoenix Financial Services on XX/XX/XXXX. This request was sent to them as a written request through USPS with delivery tracking and confirmation. Phoenix Financial Services has failed to respond in any way. In addition, they are incorrectly reporting dates on this alleged debt. They state this account opened in XX/XX/XXXX and are reporting this to the credit bureaus XXXX and XXXX. No such accounts could have come from me anytime in the last 5 or 6 years. I was denied credit due to this erroneous reporting due to this recent delinquent account. If this alleged debt is legitimate, they are required to report the original date of delinquency.
Consumer complaint received 2019-03-28
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. (CA)

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX CO, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX  OPENED XX/XX/XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Navient Solutions, LLC. (FL)

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVIENT were no successful resolution. NAVIENT was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX