davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (OH)

I have fallen behind on my payments with upstart loans due to an illness in the family. Upstart began to work with a debt collection company called indebted and indented sent me emails to help with the payment and to catch up to current status. Indebted gave me a payment arrangement to catch up from a {$700.00} deficit with XXXX payments for {$350.00} for XXXX and XXXX to make the account current. I made a payment of XXXX that arrived on XX/XX/XXXX. However upstart did not credit the account and put my loan in collections. When I question upstart they told me to contact it and when I talked to ended up about the pain arrangement that didn't go through an hour later they canceled my payment arrangement. 

Cfpb was contacted along with the better Business bureau due to the unfair treatment of the arrangement that should have been honored. I received a notice from upstart that they did accept the money for the XXXX from indented but they did not continue the payment arrangement that was agreed with indented wish they should have done due to the fact that they use this debt collection company to help with paying arrangements to make accounts current. I received an email that told me I need to have XXXX in to make the account current which was not part of the payment arrangement that was originally agreed with indebted and up start. 

I find that it is not fair or right for upstart 's use a debt collation agency to honor a payment arrangement if the and to take the money on behalf of them if the arrangement that was agreed upon wasn't honored at all. It's unethical in a violation of a legal agreement.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (UT)

Credit Control Services isn't licensed in my state to collect this fraudulent debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt XXXX XXXX XXXX XXXX was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if XXXX was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. 
This collection agency attempts to collect a fraudulent debt. XXXX XXXX XXXX to remove this fraudulent account off my credit report without any investigation into the matter. Remove the follow accounts from all three Credit Agencies :
Consumer complaint received 2024-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (LA)

The debt originated in XXXX. I co-signed for my son to finish his degree at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were no payments made by me. In XX/XX/XXXX a collection agency named NelNet started sending me collection notices and even tried to garnish my wages without a court order and showed it was a delinquent debt on all my credit agencies. I contacted my attorney and he sent me a letter which I sent to the credit bureaus stating that by XXXX  law prescription had run out in XXXX years since there were no payments made during this period. Included on the letter were the XXXX laws pertaining to the debt. The credit reporting agencies wiped it off. Then about XXXX months ago they are started the collection process again and reported it again to the agencies. Even today the debt would have prescribed in XXXX years which would have be XXXX. I have disputed the debt with the XXXX agencies again and found the original letter was still in my file with them.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo bank notified me XX/XX/XXXX that there were checking and savings accounts open and closed without my consent settlement. Wells Fargo notified me. It was clearly stated anything after XX/XX/XXXX would be considered timely. Then today XX/XX/XXXX I received this email which stated something different. Also I notified Wells Fargo bank XX/XX/XXXX and XX/XX/XXXX provided a copies and accounts ending numbers in of this email. Wells Fargo bank never denied this claim. Today they want to denied this claim and write an entirely different version of the Claim. Attachments to the email will show proof of the emails. Also why is this even permitted. Why is this even a conversation. Wells Fargo Bank violated me and my credibility. There were Large sums of money missing as well. They violated me.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (NC)

I was issued two identical refunds in the amount of {$500.00} via XXXX XXXX on XX/XX/XXXX. To my visa Upgrade card account. Upgrade by XXXX bank completely hid the second refund. Told me it wasnt issued and to contact the issuer. Which I did and they provided me the proof. I also contacted XXXX XXXX to insure that they agreed both went through. At which time I contacted upgrade. They admitted to getting both refund 's. Yet never credited the second refund to my account. Yet claimed that they did credit it. All this time they are charging me interest on the unissued refund balance. On XX/XX/XXXX they told me they were going to issue the refund but couldnt remove the two weeks of interest they illegally charged me on the refund they tried to hide.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

Ed Financial is my federal loan servicer. Back when XXXX XXXX 's loan forgiveness program was announced in the Fall of XXXX I refunded {$8200.00} from Ed Financial and received a check 1 year later in the mail for this amount from the XXXX Treasury. 

After a year of waiting, this check flew out my window on a busy city freeway on my way to the bank, never to be seen again. 

Back in XXXX of XXXX I had them cancel the check and start the process for sending me a new check. The Check Number was XXXX. It is now XXXX of XXXX and I still don't have the money. 

I was finally fed up enough to file a complaint through this service earlier this year. Only then was my claim for a new check put under " emergency status '' on XX/XX/XXXX. After about a week in emergency status it finally changed from pending to " under review '' but hasn't updated in over a month now. I call Ed Financial every other week now and I get a different answer each time. 

Multiple times they have told me they are finished with it and have sent the info off for the XXXX Treasury to re-approve. But when I then call the XXXX Treasury, they confirm that Ed Financial has NOT re-authorized for them to re-issue the check and still has not reviewed my claim. I called again this morning and the Ed Financial XXXX said they have NOT re-authorized it, just like the XXXX Treasury told me. 

Every number I call tells me they can't help and I've been missing {$8200.00} for nearly 2 years now... I really need this money, and instead I'm being charged interest on money they never refunded me. So I'm filing another complaint in hopes that something changes. I don't know what else to do. 

Who else can I contact about this? This can't be legal. Every time I call they say nothing can be done and I just have to wait, but also say there is no turnaround time they can predict.
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Clarity Debt Resolution, Inc (FL)

XXXX XXXX XXXX XXXX. 

# of Debts Enrolled : 7 Total Debt Enrolled : {$10000.00} Program Commitments : Monthly Draft Amount : {$250.00} First Draft Date : XX/XX/year> Estimated # of Payments : XXXX Email : support@usclarity.com usclarity.com
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has randomly closed my XXXX Accounts ( XXXX different accounts ), for XXXX months now every week they change my closure dates. If, it is subject to close on the XXXX for example I call on the XXXX they say closure date has changed. Bank of America has been playing this game well over XXXX  months now. There is substantial amount of money they are holding " using '' for their advantage by not closing out my account and sending my rightful funds. They, have blocked any and every access to all accounts and can not provide me statements, letter or reason for change of dates or why things are still in review. They have caused grave damage to my business and personal health. Bank America still has not closed the accounts and is still moving dates on me.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (IL)

Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Actions Hard Inquiry 15 U.SC 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.

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 the 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 2024-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION (TN)

NFCU has taken over 90 days to close on a simple XXXX XXXX loan. Still not closed because they can not seem to get the closing documents accurate. 

I was instructed to lie about my income, XXXX  status, and identification. When I made the request to have these documents corrected, I was told it " didn't matter. '' Well, it matters to me, and it matters to me that a banking institution would practice business this way. 

I have been a loyal customer, no more, and I don't recommend you take the risk either. Your information, money, and, more importantly, your credibility are in jeopardy if you engage in business with this company.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX  XXXX 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 in to be removed. 

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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (CA)

I asked them to close my account which I already requested over a month and a half ago, but they came in a 2nd time, I was dinged twice {$25.00} a pop a total of {$50.00} dollars and then it made another payment bounce, dinged another {$25.00} dollars & the payment the money was intended for was not paid. I've paid over a {$100.00} in NSF Fees and none of the payments were paid. I didn't want them to be paid because they were NOT authorized. The bank said that it is a " Courtesy, '' to give me back my {$25.00} dollar fee WHEN I CANCELLED WITH THIS COMPANY AND BECAUSE OF ALL THIS WORLD AND GOVERNMENT COLLAPSE, EVERYTHING FROM THESE COMPANIES IS A " FREE FOR ALL, '' When no one holds them accountable just like in the XXXX  Banking, Financial and Housing Collapse. No one was " Criminally, '' held accountable if the Government doesn't enforce the laws or the " Military Industrial Complex with the XXXX XXXX XXXX XXXX XXXX '' absolutely wants this. My point is that this money should be given back to me so that I can pay my bill with " XXXX, '' so that I can go about my business. The world 's finances are so bad now that I can not afford this. I literally do not have any " Disposable Money. '' This is the difference between me eating, me feeding my animal and putting gas in my car. All my money goes towards my bills. I am homeless and living a shelter right now.

I am getting really very frustrated by these companies including the backs that " XXXX XXXX XXXX, '' like they are part of the game. I don't know if they realize that they want to close down all the banks and have " XXXX, '' run it. That means they will lose their jobs. XXXX XXXX of the XXXX XXXX XXXX, a " XXXX XXXX, '' publicly says it, " We ( The People ), will Own Nothing and Be Happy. '' Kinda like the " XXXX XXXX. '' There needs to be other ways of solving my problem without having to do a whole new bank account.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I've spoken to Aidvantage over the last several months advising I want to take advantage of the Parent Plus double dip option and given instructions on what to do. Feeling uneasy, I called several times and was told to do nothing and the DOE would give me instructions after XXXX. Still feeling uneasy I called a few more time and spoke with a rep who also engaged with a supervisor and advised I was " given incorrect information and she was glad the calls are recorded '' She told me I had to submit a paper consolidation and told me how to do it. She also said she had to put in a work order to have the Parent Plus loans separated. Thereafter the consolidation would put them ( Direct and Parent Plus ) back together and I would benefit from the double dip. This was last week. I called again Friday and was assured all was well. I called again today and they said my consolidation has been cancelled with error code 0. My question was what is the status of the work order to have the parent plus and Direct loan separated and she was not certain. I am now waiting for a supervisor to return my call within 48 hours. Time is not on my side and I am dealing with a company where the answer depends on who you speak with. They answer questions you never ask and frankly are not fully aware of how this Department of Education adjustment will work. Fortunately I am persistent however I feel for those that are not. Who is overseeing this? Their ignorance and incorrect guidance will be the reason I do not get my adjustment and that is not fair. Why are the allowed to service student loans if they are employing people that fully understand the process? Please I need some help before my time runs out.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION (FL)

The present bank, Regions Bank, who currently charge me the mortgage payments on the house. It is charging me an unreasonable amount that does not correspond me to pay. 
Regions is not respecting my rights as a consumer and it is acting in bad faith and taking an unfair attitude with me as a customer and consumer. 
The bank is taking advantage of his power charging amounts that it shouldnt do. Since XX/XX/year> I have been requesting ( by phone calls and written messages through my account ) to remove me and being effective the cancellation of The Private Mortgage Insurance ( PMI ) from my house since I meet all the criteria ( and I can prove it by sending all the documents that support my request ) but they denied stating different excuses that make no sense and logic. 
They are not respecting and complying a law that is The Homeowners Protection. This bank is causing me frustration and I ask you for your help to stop and intercede with this banks action who is acting with a deceptive practices and behaving abusively towards the consumers rights. 
Extra Info : On XX/XX/year> they were requesting to pay them {$200.00} to make the appraisal which I made effective.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a VERY OLD XXXX  charge from a hospital in XXXX XXXX, Ohio. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on XXXX and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished classes, having taken no break. This is XXXX. XXXX XXXX XXXX  XXXX placed them on my report. I have a letter from XXXX saying ALL my student loans are paid for by XXXX, because of my XXXX. I keep attaching the XXXX letter to Experian, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an XXXX on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc. (FL)

XX/XX/XXXX this complaint is against GOOGLE.COM My name is XXXX XXXX. I am the only XXXX XXXX in the XXXX. Sometime ago I created a gmail account in my name ... XXXX and a business XXXX account ... XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX and my real phone number is ( XXXX ) XXXX. 


Unfortunately I had both of these accounts stolen ( hacked ) and a phony google voice telephone number ( XXXX ) XXXX opened in my name. 

Because the business email is the recovery email for my personal XXXX  account and because the confirmation phone number was changed in my personal account all my attempts to recover the account have been in vain. Recovery confirmations are sent to the recovery email, which is hacked ... or to the fake google phone number in my name using the hacked XXXX account. 

The results of this identity theft began with the theft of {$100000.00} XXXX XXXXXXXX XXXX and a {$15000.00} hack at XXXX in the year XXXX and has continued relentlessly until today. 

Nothing I can do will get Google to fix this, making then co-conspirators in these and may more thefts! Most recently a {$5400.00} theft at XXXX XXXX  XXXX and a hack of my XXXX account resulting in items purchased by a hacker and charged to my account and the resetting of my current email to the hacked ... XXXX. 

But all that is just the beginning... Unaware by me until very recently when i tried to open a new bank account ... since XXXX, some 30 new bank account openings have been recorded at XXXXXXXX XXXX in my name using the phony credentials. And XXXX XXXX has not been able to reverse many of these entries since the banks have not disavowed the account opening attempts. I do not know if these accounts were opened and my stolen identity was used for some money laundering acts or whatever. 

Can you please help me?