davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

I have had my student loans through Nelnet. In the last XXXX  months I have had my student loans forgiven. I noticed there was a portion of {$13000.00} left. I went to check on that amount at Nelnet.XXXX and it said my balance was at {$0.00}. I checked a few times to see if I could find out further information, it just said loans were paid. 
At the end of XXXX I received a credit report saying that I went from excellent credit to fair, it dropped XXXX points. I investigated to find XXXX XXXX  had taken over my loan and I was XXXX  months delinquent. They say they tried to contact me, I never received an email or phone call, no piece of mail. I looked back in my phone records and emails and have found nothing. I filed a report with them, they said no change in credit report will be done. 
My problem is I never received information that my loan was transferred, I would never let it go into delinquency. I have been in an income driven plan.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

Applied for PSLF as a government official and as a veteran and it was approved as of XX/XX/year>. I have made 121 payments which qualified me for PSLF. A part of my student loan was forgiven but there is a balance of {$24000.00}. I have contacted XXXX XXXX XXXX and they have sent me a letter on XX/XX/year> stating that my loan server ( Mohela ) will forgive the balance of my loan in 30 business days, and that I did not need to take any further actions. 
I am still waiting and can not get anyone from Mohela to take my issue seriously and forgive the remaining balance of my loan. I have been making my payments because I do not want my loan to be in default or reported negatively to the credit bureaus.
Consumer complaint received 2024-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (GA)

I was told that I owed, but now They are telling me that I owe for graffiti on walls and I didnt have any graffiti on walls. The wall was painted and I was told I was able to do it. I have a paper from them saying that it was wave so that information is incorrect.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (NJ)

I submitted a complaint again XX/XX/2023. Some of the negative items got deleted but there are some who are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-09-23
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank Credit Cards. They readjust/cut your line of credit in half & Close your accounts when in great standing of never paying late, usually early, paying more than the monthly minimum. This is their practice to guarantee that a customer credit rating never improves and therefore keeps the customers only qualifying for Synchrony cards at high interest rates. And not being able to qualify for competitions cards. Example : Synchrony card approved for {$1000.00}. You use 20 % of it, within 3 months, with on time payments they Cut the card limit to {$500.00}. Now your credit rating drops automatically because your card usage increased to 80 %. ( I have 5 cards with them & they did it to each one ). Each time they do this, credit rating drops because of increase card usage, even though I have not bought anything new on any of them. So this week, they notified me they closed one of my accounts due to my credit rating dropping ( that they caused!! ) And therefore my credit rating drops again for the closed account rating ( which they caused! ) This is guarantee for them to keep a client base, because customers now don't qualify for competitors cards. They have done this to hundreds, if not thousands of customers. This needs to be addressed and changes made to their " Monopoly '' way of practice, that Harms the customer. In fact, I would like to see if it qualifies under any " RICO ACT '' Laws.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

One of the Bank of America cards was in my possession and my name in XXXX in XXXX. Their fraud dept. said that I was the only card holder. I recognized two purchases that I actually made. I was living in XXXX and my husband, at the time, was living in my home in XXXX. Therefore, all the other charges are fraudulent and likely all done on the internet through a 3rd party processing company likely XXXX, XXXX etc... 
I have contacted B of A MULTIPLE times and they have done nothing!! Every time I call the number they provide ( no answer but I leave a message ) and I send a followup email, they say they attempted to contact me but it is completely false. No phone calls or emails addressing the situation. This has been going on since XXXX For the one card in question, the charges are on average $ XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX I remitted money to XXXX through XXXX XXXX on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX also signed a consent order. The states will use the statement signed by XXXX XXXX to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been XXXX months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-25
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (FL)

Hello CFPB : My name is XXXX XXXX and I was attempting to procure a loan from SANTANDER BANK via XXXX. All of my documentation : -paystubs -drivers license -bank statements -social security car -selfie -insurance -phone bill was provided validating my employment, earnings and identity. 

SANTANDER BANK uses an identity verification system that accesses XXXX XXXX. This system was not able to verify me. I contacted XXXX XXXX case # XXXX ( XXXX was the name of the representative I spoke with XX/XX/year>. I had previously spoken to them also case # XXXX last week regarding this ) They mentioned that due to an identity theft issue I incurred in the past ( FTC # XXXX ) that I was 'opted out '' of the public database that SANTANDER BANK uses. They requested I provide identity verification documents. I uploaded the following -passport -SSN They verified me manually and suggested I tell XXXX to do that. While working with XXXX I was working with a gentleman named XXXX ( didn't get his last name but I do have his phone number if needed ). He contacted SANTANDER BANK explaining the above. 

SANTANDER mentioned despite all that I provided and what XXXX XXXX mentioned. They can't proceed. I don't think this is a good business practice as someone that works in information technology, I'm well aware of manual overrides to things that happen where the system is wrong.

I was advised during my identity theft issue to opt out as an apartment along with a rental car that was never returned was done using my identity. While that was 4 or 5 years ago I'm still suffering because of this based strictly on my identity not being verified in a system their bank is interfacing with. XXXX XXXX ( the identity system ) states I exist ( obviously ) but somehow SANTANDER does not or is not accepting the override that XXXX XXXX did after verifying me which makes no sense. 

Thank you for your assistance in this matter
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (PA)

Today Monday XX/XX/2023 I sent 2 wire transfers from my connected brokerage account ending XXXX to XXXX XXXX XXXXXXXX ( see attachments ) A few hours later I went to log into my Schwab account and noticed it was locked. It said to call customer service. I called and they said I must wait up to 24 hours for it to be unlocked after I answered all verification questions.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

XX/XX/XXXX Purchases {$150.00} Credit issues for returns XXXX Balance due {$100.00} {$100.00} was due on XX/XX/XXXX. I mailed check on XX/XX/XXXX. 

XX/XX/XXXX {$30.00} late fee was applied to my bill. Paypal had switched to paperless billing so I did not receive a statement at this time. I went online to see why I hadn't received a statement and saw a balance due of {$130.00}. I called them and was told payment was not received. I told them I had mailed it XX/XX/XXXX. I would check with my bank and if not cashed would mail a check today. It hadn't so I sent check on XX/XX/XXXX. 

NOTE : I was receiving emails from a Sychrony Bank. Since I had no idea who that was and had not contact with them, I figured them for spam and never opened them. I found through conversation that this was actually PAYPAL. In the future I started to receive some emails that said they were from PAYPAL which I opened. 

XX/XX/XXXX Statement showed payment XXXX received but showing XXXX balance for late fee. I called again and asked why it hadn't been taken off. Thought when I talked to customer service before they said it would be removed. She said we can't remove late fees. You need to pay the balance. I said I was not going to do that as I was told it would be removed. 

XX/XX/XXXX Statement received showing balance of {$60.00}. They charged me a late fee on a late fee. I called again and was again told I had to pay the balance. 

XX/XX/XXXX I sent a letter to them explaining what had happened. What I was told about the late fee being removed. That I had been a customer since XXXX, always paid my balance in full early. ALWAYS. I got no response to my letter. 

XXXX/XXXX/XXXX Statement Balance {$100.00}. Added late free of {$41.00} and Interest of {$2.00} to previous late fees charged. I called again and said you said you were removing the late fee. Now you are charging me late fees on late fee plus interest. She said they would remove the {$30.00} late fee. 

XX/XX/XXXX Statement balance XXXX. Removed the {$30.00} late fee but left the rest of them on the bill. I called again. I said you removed the {$30.00} late fee why didn't you remove all of them. She said oh that wasn't the first late fee that was removed so you owe the balance of {$71.00}. Isaid NO I am not paying that. This is the first late fee that you said was back that you would remove. It that had been done right away there would not have been any other fees. She said she couldn't do that. I had to pay. 

XX/XX/XXXX Statement shows balance of {$120.00}. Charged XXXX late fee again on late fees. I have not called again.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

UDAP Violation Captial One claims to protect their customers against fraud but when presented with a fraudulent transaction, Capital One denied the claim and failed to follow through. Capital one uses deceptive marketing practices to gain customers and then fails to provide the service. They are discriminating against the financially challenged and don't care about their customers. This fraud incident impacted my wife and wife 's bank as well but Capital One is only one that denied the fraud claim of {$300.00}. The merchent never provided a product. We discovered it within 24 hours of the transaction and quickly filed a dispute with Captial One. 9 days later, Capital One denied this fraud claim.