davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

First of all, I am being targeted, and my life is being destroy from the inside out by unethical institutions, fraudsters and/or AWS hackers. On XX/XX/XXXX, I was illegally evicted by XXXX XXXX XXXX. I became homeless. Next, I am economically oppressed by XXXX XXXX and XXXX barely making money, and also, they steal money that I earned from working for them. XXXX XXXX snatches money out of my bank account illegally. So, I could not pay my credit card which I am guilty of not paying. I filled out my annual income base application for a my student loans to renew payment plan in XXXX of XXXX on the XXXX website. My application income base repayment was approved with a $ XXXXdollar monthly payment. Recently, I checked my XXXX XXXX account I noticed that Nelnet and XXXX XXXX XXXX has me 120 days late. I call Nelnet, a representative tell me I have {$0.00} payment until XXXX of XXXX. I asked them why they are reporting on my credit report. I requested they fix my account. Next, I call XXXX XXXX XXXX they tell me that I owe them because my bank statements from my job was not sufficient proof of information from them. However, my application was approved with {$0.00} dollar payment. I sent them income documents and ask them to correct my credit report. The automative system said I was in forbearance or deference. I speak to the rep she tells me that my payment is {$0.00} until XXXX. Then she tells me I do not see where we have reported to the credit agency. Now there is two late accounts showing on my credit report from XXXX XXXX and a Credit Service XXXX all in a short period of time. Also, my credit report says that I worked for XXXX XXXX which are all lies. Can someone please help me is that I do not deserve this and the blatant lies. I am living in a shelter trying to obtain housing. Additionally, XXXX XXXX XXXXXXXX XXXX is lying I have never been more than 30 days late. The balance should be under {$3000.00} because I just made a payment. Additionally, my payment is {$380.00} due on the XXXX of the month. They say I owe a {$1000.00} dollars and 43 days behind on my payment which is an awful lie. However, I got a text from them saying your payment is due for {$380.00}. I told them I would pay by the first. They report you know that means double payment and your payment is 43 days behind. LIE! Actually, that car originally costed {$12000.00} and I put {$6500.00} cash down and ended owing {$18000.00} XXXX XXXX  and the dealership stole my money and the car has been paid off, including unnecessary interest. Also, there is fraudulent activity on my XXXX account whereby someone tried to make a purchase from XXXX from my debit card. 

Please help?
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had filed a complaint on XX/XX/year> with the Consumer Financial Protection Bureau against Transunion LLC. I have wrote this company four times with copies of my identification, Social Security card and court order showing my correct legal name. They continue to show a suffix of XXXX on my name, which is not correct. 

After filing the original complaint ( XXXX ) Transunion retaliated by locking my credit report and not allowing me access to it. I am unable to login to check my credit report or add or remove a credit freeze as required by law.
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan of XXXX States in XXXX, that I took out a secured personal loan with them and I have no knowledge of this until I checked my credit report and I disputed the claim and XXXX said that they verified it. I did not take out this loan. I have been a victim of identity theft.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

I have pressed charges against these people ( the business ) for blackmail. I have reported the XXXX XXXX  to law enforcement. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my family 's life was subsequently threatened when I tried to dispute the scam. Then AMEX sent pictures of the crimes to my home along with a bill. 

AMEX stonewalled me when I told them everything. They even had me tossed into a XXXX XXXX to keep me quiet, and I myself had to pay the medical bill after I left. They had their lawyer contact me and after I told her I was XXXX XXXX, they continued to send bills anyway. 

I want nothing to do with these people ever. They know they make money from this criminal activity and all they cared about was keeping me quiet and getting paid. I wouldn't accept a nickel from people like this and it's up to law enforcement now whether anything further happens or not. 

They knew everything. They knew it was a scam, they knew it was criminal, they knew I was XXXX and all they wanted was to keep it quiet and get their money because they're still making money off illegal activity today. 

I paid them off to get them out of my life. I'll either see them in criminal court or never again and I could care less which.
Consumer complaint received 2024-10-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

Ability Recovery Services bought my debt from XXXX XXXX XXXX. The original debt was {$150.00} which I paid to XXXX XXXX. Ability Recovery says I still owe them {$100.00} because their collection was for {$250.00}. I called the company to ask what the additional {$100.00} is for and was told that's the full debt amount I owe them. It seems like Ability Recovery is up-charging my debt to make more profit.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

My mortgage was sold to a new loan servicer. At my previous servicer, I would make 1-2 payments throughout the month when I got paid, and then at the end of the month, submitted a final payment for whatever was remaining. Not only was this easier for my finances, but it allowed me to get a bit ahead on the interest accrual for that month by making some earlier payments.

Making partial payments in advance is " simply not allowed '' at XXXX / LoanCare. 
How is this legal? I am forced to barrow money to own a home, and when I would like to pay a portion of it back, I'm barred from doing so - just so the lender can maximize the interest they collect? 

I signed a contract with XXXX XXXX, whom allowed partial/early payments. I did not consent to be transferred to LoanCare ( I know this is common practice in the mortgage industry, but still ) however the new servicer DOES NOT offer all the same services that I desired when I entered into contract with Rocket.

How is this not deceptive to the consumer?
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo overdrafted my account on XX/XX/XXXX for one charge bringing me into the negative. 2 days later the organization allowed another charge of {$27.00} to process on XX/XX/XXXX and stated I had one more extra grace day period to cover this charge by XX/XX/XXXX XXXXXXXX XXXX EST, I deposited funds to cover the charge of {$27.00} before the date/time provided. However, Wells Fargo still applied a charge because the account remained negative even though I deposited funds within their time frame to cover the specific transaction per their instructions : which is predatory and unjustly charging my account multiple times ; even though I followed their guidelines. I contacted Wells Fargo and they could not clarify their legal jargon in correspondence and have been uncooperative in assisting me with this matter
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Hello, Chase Freedom Credit Card charged me a late fee on XX/XX/year>XXXX  of {$29.00} and then on XX/XX/year>XXXX  of {$40.00} for being late with my payments. Both payments were fulfilled within less than 20 days in their correct months. I was bombarded with phone calls and text messages. I did speak with a Chase Representative and explained my situation. I was out of the country and could not make these payments on time however, I still made the payments before the 30-day window. The amount of phone calls and text messages for being less than 30 days late was outrageous. I have never experienced this with Chase in the past. The phone calls made me feel like I was doing something wrong when it was out of my control and not only did I take care of the payment but I paid the next month 's payment to show my commitment to paying my bills. I want Chase to refund me for the {$29.00} late fee on XX/XX/year>XXXX  and the {$40.00} late fee on XX/XX/year>.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (CA)

Ive never had an XXXX XXXX XXXX account someone open account with my information. I received a bill contacted XXXX XXXX XXXX they removed item from XXXX XXXX XXXX two years ago.so 2 months ago it reappeared on my credit from different agencies Sunrise credit.please help me this is causing heartship .another incident mortgage company sells my loan to XXXX XXXX.so they run my credit without my consent.telling me that I qualify for refinance.I was Already looking at different co.But did not run my credit without.my consent.please help me out. Thanks again.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (KS)

I purchased a money order and I sent it off and it never got cash so it never arrived at XXXX or the destination didnt cash it so I filed a missing money order form and I gave them all the information that they needed and its been over a week and I still havent heard anything back from them or been told I could come pick up the money the refund so I would like to get the money back
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NV)

I paid off my Aspire card in 2022 it was current they just reported the account was closed 2 years later and my score dropped XXXX XXXX. They also charged me service fees after card was closed
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (VA)

Discover appplication number XXXX I was notified by Discover that I qualified for the balance transfer special through their Discover IT card. I submitted an application and the application was denied. I asked the representative why the application was denied when I was notified I was pre approved and the representative stated " I am not sure ma'am you will receive a letter in the mail regarding the reason your application was denied. I waited for the letter to come in the mail and letter cites the following reasons : High balance on all revolving accounts, number of open revolving accounts with hig utilization and high balance on newest installment loans. 
I would like to highlight that I currently hold a credit card with Discover. Therefore, Discover is aware of my utilization rates, credit accounts, and my credit score. I assume that is the reason I was screened " pre-qualified ''. However, being denied for a card I was told I was pre-qualified for, is misleading. 
Please keep in mind that I have not missed a payment on any of my credit accounts and I have received a pay increase with my employer. I applied for the card because I was told I " prequalified ''. Also, with a balance transfer, I am not creating any new debt. A balance transfer would allow me to consolidate existing debt and place me, in better financial standing. 

In addition to the balance transfer application being denied, I logged into my Discover account and received an advertisement stating I have been " pre approved '' for a consolidation loan. I am notifying the regulatory agency because the company has failed to rectify the matter and continue deceptive practices. As a consumer, I find Discover 's practices to be distasteful because of the heavy penalty I now have to pay. As a result, my credit score has decreased.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (NE)

Issues is with XXXX XXXX XXXX who said they are working on behalf of US Bank. They report that I owe a debt of XXXX. I don't know of this debt. They threaten to send me a summons but I called the local law clerk and they where not able to find a case. They point to a website that has only been created a few months ago but said they been in business for 3 decades. Also the website - https : //www.baylorandpartners.com/ - shows copyright 2022, but again the WHOIS shows the website was created XX/XX/XXXX " XXXX search results Domain Name : BAYLORANDPARTNERS.COM Registry Domain ID : XXXX Registrar XXXX Server : XXXX Registrar URL : XXXX XXXX XXXX Updated Date : XXXX Creation Date : XXXX XXXX Expiry Date : XXXX Registrar : XXXX XXXX 
XXXX XXXX ID : XXXX Registrar Abuse Contact Email : XXXX Registrar Abuse Contact Phone : XXXX Domain Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clientUpdateProhibited Name Server : XXXX Name Server : XXXX XXXX  : unsigned '' I was contacted today at XX/XX/XXXX regarding this. XXXX post has detailed this could be a scam industry trying to scare people into paying a debt that doesn't exist or is past Statute of Limitations.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

I am writing to formally file a complaint against Experian regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ) guidelines. On XX/XX/XXXX, I contacted Experian to address the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The account with the following details was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inaccurate Information : Please correct this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Inaccurate Information : Please remove it from my credit report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I got an email from Experian saying i had made changes to my account, which I had not. I then proceeded to get a text that I was now enrolled into their smart money account which I did not do either. I tried contacting them through phone and could not get in touch with a live representative no matter which buttons I clicked. I then proceeded to try to get in touch with them over email. I was told I needed to either fax or email a copy of my social security card, license, and a bank statement that had my address on it. Since this is the second time in a month someone has tried to open an account in my name I obviously do not feel comfortable sending these personal documents through the mail or through fax. I have no way now of changing the email back to what it was before and they also refuse to shut down my account without sending these private documents.
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

On Saturday XX/XX/XXXX I logged into NELNET to validate receipt of my payment from XX/XX/XXXX. I discovered that the previous 22 payments I made totaling {$12000.00} between XX/XX/XXXX and XX/XX/XXXX were no longer viewable under payment history. Additionally, my payoff amount, which was {$35000.00} on XX/XX/XXXX ( the previous Saturday ), increased to {$47000.00} in just 7 days. 

I called Nelnet on XX/XX/XXXX and requested my payment history and told them I have all records proving my payments as well as statements from them showing my payments. They said they did not have access to those records and referred me to the Federal Student Aid Site. They also told me to discontinue payments even though I would continue to accrue interest. 

I logged into the Federal Student Aid site on XX/XX/XXXX and it showed the correct pay off balance of {$35000.00} as well as a correct payment history. On XX/XX/XXXX I logged into Federal Student Aid again and it now matches Nelnet balance of more than {$47000.00} and all payments before XX/XX/XXXX are no longer visible. 

Below is the list of payments I made between XX/XX/XXXX and XX/XX/XXXX with the confirmation number I received from NELNET via email after each payment. 



Payment Effective Amount Confirmation Number XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX Total {$12000.00} NENET referred me to department of education and department of education referred me back to Nelnet. I have both a confirmation from NELNET of every payment made as well as bank records for each payment. Additionally, since my loan balance jumped from roughly {$35000.00} to {$47000.00} in 1 week it has adversely affect my credit score by XXXX points.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

THIS IS FRAUD : SEND COMMUNICATION HERE : XXXX XXXX XXXX Zelle Logo BD You only have 3 days left. 
Enroll to receive {$9100.00} from XXXX Bankruptcy Distribution " Your XXXX  Bankruptcy distribution payment was sent via Zelle. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/scrub>XX/XX/2024 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : XXXX Zelle Logo Contact Privacy Legal Contact Zelle Support at XXXX , 7 days a week, XXXX Eastern. 
XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA 2024 Early Warning Services , LLC. Zelle and the Zelle related marks and logos are property of Early Warning Services , LLC. 
Unsubscribe here to stop getting emails from Zelle.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (IN)

Monterey Collection XXXX XXXX XXXX inaccurate info regarding loan for all XXXX credit bureaus. XXXX {$6000.00}, XXXX - n/a, and XXXX n/a I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (UT)

I had XXXX loans from XXXX XXXX XXXX Nelnet that were transferred to XXXX. When they were transferred they were both marked as paid and outstanding balance of XXXX. 

XXXX loan was for {$51000.00}, paid in full on XX/XX/year>. 
Second loan was for {$6200.00}, paid in full on XX/XX/year>. 

Both accounts should have been reported to all credit bureaus as paid in full as reflected in the correspondence to me from XXXX XXXX XXXX XXXX