davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments on my student loan account managed by Nelnet. I believe that the reporting of these late payments is incorrect and does not reflect my actual payment history. Furthermore, I have concerns that the reporting practices may not be in compliance with relevant laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Details : Name : XXXX  XXXX XXXX Account Number : XXXX Servicer : Nelnet 2. Background and Concerns : I have noticed that my credit report contains several entries indicating late payments for my student loan with Nelnet. However, I have consistently made payments on time according to the agreed-upon schedule. The inaccurate late payment entries have had a significant negative impact on my credit score.

3. Relevant Legal Provisions : A. FERPA ( 20 U.S. Code 1232g ) : Under FERPA, the disclosure of students ' educational records without consent is permissible to certain entities, including " appropriate parties in connection with financial aid to a student. '' In my case, Nelnet, as the servicer of my student loan, is an entity involved in the management of my financial aid. My concern is that any disclosure or reporting by Nelnet that inaccurately reflects late payments could be in violation of FERPA provisions if such information is improperly shared or reported.

B. FCRA ( 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) ) : The Fair Credit Reporting Act excludes from the scope of credit reports information solely regarding transactions or experiences between the consumer and the party making the report, if such information is not accurately reflected. I believe that Nelnet 's reports of late payments do not accurately reflect my payment history and may therefore fall within the exclusions specified under FCRA.

4. Requested Resolution : I kindly request that the CFPB investigate this matter and take the necessary steps to rectify the incorrect late payment entries on my credit report. Specifically, I request : Correction of Credit Report : Immediate correction of any erroneous late payment entries reported by Nelnet to credit bureaus.

Verification of Compliance : Verification that Nelnet 's reporting practices are in compliance with both FERPA and FCRA regulations.

Confirmation : Confirmation that Nelnet has updated their records to reflect accurate payment history and has notified credit bureaus of these corrections.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (WA)

I filed a dispute for ATM transaction on Cash app. ATM did not dispense the funds it gave Error message. I filed a dispute on XX/XX/year> I did not get provisional credit from cash app. On XX/XX/year> I get a email stated that dispute was resolved in my favor and they deposit {$2.00} in my cash app account, they did not refund my my transaction of {$360.00}. As of today I did not get my funds, I feel like cash app is treated me unfairly and is holding my funds. I can include all emails as a proof and I will also file appeal with my attorney and go to small courts over this.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

The following charges were unauthorized by me. I lost my phone, which was logged into XXXX XXXX XXXX, which was linked to my backup debit account on CashApp. I attempted to dispute these charges, but they were denied by Cash App, for reasons never explained to me other than " suspected fraud ''. Previously, 19 charges of a similar nature were discovered and refunded as a dispute was resolved IN MY FAVOR ( see attachment ). XX/XX/scrub>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 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 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 {$100.00}. 

I took it to the XXXX  and they still ignored my case.
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/year> I received a call from American Express on the recorded line attempting to collect a debt to which I am in a quandary about this account.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my right. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (LA)

XX/XX/year> {$10000.00} Also I would like to have the late fees about my credit cards, student loans, old inquiries and anything else that are affecting my credit removed immediately.
Consumer complaint received 2023-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

This complaint concerns a medical debt that was placed on my credit report as a collection debt. XXXX XXXX placed a debt in the amount of {$3500.00} with XXXX. XXXX collection agency in error. The debt was for services received by XXXX  ( XXXX ) that was at the time covered by my first and secondary insurances. Advocate admits that they only billed and was paid by my primary insurance ( XXXX ), and failed to bill my secondary insurance ( XXXX ) for any remaining balance. The debt was incurred in XXXX. Advocate and my insurance carrier verifies that I had both primary and secondary insurance since XXXX. Advocate agreed that it was a clerical error on their part, however, the collection agency refuses to remove the debt from my credit. 

I am asking that this medical debt be removed from my credit for reason described above, and or laws regulating medical debt reported to consumer credit.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Acra Intermediate Holdings, LLC (IL)

On XX/XX/2024, I requested copies of appraisal and all supporting documentation to include XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX and as of XX/XX/XXXX, there has been no compliance with this request and no response to multiple emails and voicemails left for the mortgage processor. XXXX XXXX at Acra lending. The time limit to obtain this information is Wednesday, XX/XX/XXXX at XXXX  or I lose my XXXX money of {$12000.00}.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

On XX/XX/XXXX I had woke up to see that my account had been withdrawn from without my consent. I woke up looked at my phone it had showed a withdrawal for {$80.00} at XXXX. I immediately call Chime to inform them of the withdraw so they took my statement and in XXXX  days I got a response that said that they found no wrong doin. I submitted a claim XXXX more times back to back and each claim there was a quick response of we found no wrong down
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true
Consumer complaint received 2019-07-29
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. (IL)

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY EQUIFAX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I received an email from Chase and Marriott for the Marriott XXXX XXXX credit card with a link to a promotional offer of 3 free nights, value up to XXXX bonus points, after spending {$3000.00} in the first 3 months. I clicked on that promotional link to open the card. When I received the card in the mail it came with a different promotion, or a {$350.00} e-gift card and only XXXX bonus points after spending {$3000.00} in the first 3 months. I immediately called Chase and Marriott ( and did so continuously over the next weeks that followed ) and informed them of the incorrect offer. Every person I spoke to from both Chase and Marriott told me " no problem, we can see the offer on our end, wait until you hit the spend threshold, wait until it posts, then give us a call and we'll adjust the offer. '' I said great, no problem. At no point in time have I spent the {$350.00} gift card. In the meantime, I hit the spend threshold, waited until it posted, and again called Chase and Marriott. I again was told no problem, just upload into the message center online for Chase a picture of the email promotion and we'll get it changed. I uploaded the picture and then received a message back saying they can not do the offer anymore. I inquired multiple times saying how can this be when every single person told me it was no problem. I inquired again. As of this morning, I was told by Chase that they will not respond to me unless I have new or additional information. I explained to them that I clicked that specific offer for a reason - and as they know, customers wait for different offers and choose the one they want. I still have no explanation as to why I can't get the offer I was promised. I would like this fixed and that I be provided some type of compensation for the lack of transparency, lack of receiving the offer I specifically clicked, and deceitfulness.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC. (CA)

XX/XX/XXXX, XXXX had went to the dentist to get an implant applied for a loan through this website, answered three or four questions submitted that they were all true and then it came back with my loan amount, and the annual interest rate with how much it was asking for a down payment, and How long the term was on my monthly payments. I sent in a deposit of XXXX and it sent me an email back of the contract and terms by a whole different company, a whole different contract and put in my information in that contract that were not relevant to the questions that I asked, or signing off on the contract under me when I consented that the information I gave about myself is true, and then they dont want to oblige by the terms and conditions at all going completely get the contract on the late fees, the return fees and then stating that my grace period time doesnt exist anymore they dont do that, and even if the contract says that then the saying that I was charged a whole different amount on top of what the contract says that amount would be for a return fee, but I never returned anything Im updating my card and Im still on my grace period time. Im waiting for my new card. They havent even attempted to make payment and it says that it would be charge the next month for any late payments or return fees when they try to process payment this month and theyre changing everything and whoevers on the phone is saying that it doesnt matter what my contract says so I dont know and then it needs a receipt number on there. They never gave me one with the receipt number on there so I guess its not even valid. And the forms that they sent me after the fact theyre not even signed. And the ones that they printed me out in the office two are not even signed.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (IL)

On XX/XX/XXXX using Sendwave I attempted to send money for family support to my sister. I have been doing this for about a year without a problem. It usually arrives in a matter of minutes. 

This time she never received it. We reached out to Sendwave on at least three separate occasions to solve the problem. Although I do not have dates I do have the names of people that I spoke to XXXX, XXXX and XXXX. The reference number is # XXXX. The confirmation number of the transaction is XXXX. 

I requested a reversal of the transaction and an investigation. I provided them with a statement of activity from my sister 's account proving that she did not receive the money on XX/XX/XXXX or anytime after that. Two of the customer service reps promised me that the issue would be resolved with either my sister receiving her money or the money returned to me. Neither happened. 

Today XX/XX/year> Sendwave sent me a " text '' stating they can not do anything further to get my money back. I am appalled that they are taking {$50.00} that was going to provide food for my sister who is a widow and has no means of support and keeping it!. I trusted them for over a year to send money to my family in need and this is how I am being treated. I am appalled. Surely they should not be able to get away with this.
Consumer complaint received 2024-07-06
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: EQUIFAX, INC. (AR)

Hello, I'm writing to let you know that I don't recognize any of the hard inquiries from an auto loan on my credit. I just bought a car back in May, so applying for another auto loan makes little sense. I don't recognize any of these, and I don't recall granting them permission to perform a rigorous check into my credit history. I would like them all deleted right now. 
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year>XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> Equifax : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which is categorised under XXXX  as per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-30
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: EQUIFAX, INC. (CA)

Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I previously disputed this account with XXXX and Equifax for Account Name : XXXX XXXX XXXX Account Number : XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX in regards to the following charged off account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$680.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This is in follow-up to complaint XXXX, which was already closed ahead of the XXXX XX/XX/2023 window because of my preliminary reply : I am pleased to report that I was finally able to recover the residual funds of the closed joint checking account of my wife and myself, thanks to the BoA staff at XXXX XXXX XXXX, where I eventually was permitted to cash my check in person on Thu, XXXX XX/XX/2023. 

However, the process to achieve this was anything but straightforward, and clearly dystopian : Effectively, BoA forced me, and my wife, former customers of 40 years of BoA or associated companies, to - physically travel to the XXXX ( a XXXX flight from XXXX XXXX XXXX XXXX - Absorb the costs of air transportation, lodging, and sustenance to recover funds. 
- Forgo use of money compensation ( eg, interest ) for the period between XX/XX/2023 and XXXX XX/XX/2023. 
- Accept the retuned funds as CASH (! ) ( rather than remitting funds to XXXX of my XXXX accounts )., as once again, BoA declined any options that would include remittances/wire transfer of the funds recovered to a USA-based account XXXX mine. 

The experience I went through revealed a string of corporate incompetence and doublespeak, in particular from the staff of the XXXX XXXX Department. 

BoA purports to operate in the name of safety, but firmly projects its corporate power disregarding health and safety aspects of its clients, e.g., by declining any forms of non-cash transfers to named XXXX accounts, and thus forcing me to spend days with a substantial amount of cash in the XXXX XXXX XXXX, without any option to dispose of this cash before being able to return to XXXX XXXX. 

My suggestion is that regulatory pressure is exerted to have BoA amend its policies to open suitable exceptions to prevent situations my wife and I were exposed to. 
Thank you, CFPB!