davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

In XXXX of XXXX, I requested a student loan refund ( approximately {$8000.00} ) from my loan servicer Nelnet. The Department of US Treasury issued my check from XXXX XXXX Missouri to my permanent address on XX/XX/XXXX. After a few weeks of not having received my check, I reached out to Nelnet to inquire and they said to continue waiting. Nelnet eventually said that they would cancel the check and issue me a new one. However, after several months of waiting, in XXXX of XXXX I was informed that the check had already been fraudulently cashed. Nelnet advised me to file a police report to initiate the investigation so that they can proceed with issuing a new check for me. Nelnet sent me the image of the cashed check in XXXX of XXXX and I immediately filed the report in XXXX of XXXX. In XXXX of XXXX I received a call from Nelnet that they had processed all necessary documents to the Department of Treasury. On XX/XX/XXXX, I received a call from Nelnet alleging that because it had been more than a year since the check had been cashed, I am not entitled to a fraud package to receive my money back. I have been in contact with the Nelnet escalation team over the last month and today XX/XX/XXXX I was informed that they are not able to provide a solution for me and that my refund check will not be reissued. 

Nelnet never informed me about this deadline for submitting a fraud package and the speed at which every step of the process has been handled by Nelnet is inexcusably slow. Nelnet is liable for this negligent delay as I have had no way of expediting this process. During the past 1.5 years, I have called Nelnet many times and waited for many hours on hold trying to push my case forward to no avail. If Nelnet was aware of this deadline, I can not understand why the information would not have been processed with more urgency. I would like to escalate this matter and expect Nelnet to identify a solution for me to receive my money back.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc. (TX)

I've attached proof of FactorTrust inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue FactorTrust and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.CXXXX No. XXXX ).
Consumer complaint received 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

Cash app closed my account on XX/XX/year>, they refuse to tell me why. I was refunded {$14.00} from XXXX on XX/XX/year> and it was declined by cash app. Spoke to XXXX and the funds are sitting with cash app. Spoke to cash app and they basically closed my issue and said they wont give me my money and refuse to give me any additional information or discuss the matter further.
Consumer complaint received 2023-09-01
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

re : kohls credit card i never had one someone using my information We have called and written kohls and thought we had fixed and asked them erase any/all of my info then get a new credit card in the mail immediately cut in half and filed then we get billing saying i charged 3 times at XXXX texas store on XX/XX/XXXX  they may be same person who stole and is using my info ( like they did at XXXX  as outlined in my previous complaint ) I am billed by kohls for 3 purchases on XX/XX/XXXX  of {$13.00} and {$110.00} and {$25.00} total {$150.00} on account # XXXX do not have a kohls card did not make these purchases and kohls is not listening
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (NY)

I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

My phone was stolen. And XXXX  usd ( two transactions XXXX usd each ) were transfered to someone named XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/year>
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I DID NOT APPLY FOR CREDIT, LIVE AT or WORK AT THE PLACES LISTED BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/2023, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MONEY SOURCE, INC., THE (DE)

Requested multiple times for the company to cancel my private mortgage insurance, beginning on XX/XX/year>. No response. The loan is paid below 80 % XXXX, but the company did nothing to resolve this. Now theyre alleging that I didnt make a written request ( in response to CFPB XXXX # XXXX ), despite my documentation otherwise. And theyre hiding behind the fact that they transferred servicing of the loan to a new company. That doesnt excuse their lies or predatory behavior.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CORELOGIC INC (NV)

I am writing to express my extreme frustration and anger regarding the grossly inaccurate information that continues to plague my credit report. Despite numerous attempts to rectify these inaccuracies with XXXX, XXXX, and XXXX, I have been met with nothing but incompetence and indifference. This situation has persisted for far too long and is a blatant violation of my rights under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 

Section 605B clearly mandates that consumer reporting agencies must either correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my repeated disputes and the clear evidence I have provided, these credit reporting agencies have failed to comply with the law. Their inaction is not only illegal but also detrimental to my financial well-being and my ability to exercise my American right to access credit. 

The inaccuracies on my credit report have had a severe negative impact on my life, including but not limited to : Denied Credit Applications : I have been denied credit opportunities that I rightfully deserve, affecting my ability to secure loans, mortgages, and other financial products. 

Higher Interest Rates : The inaccuracies have led to higher interest rates on the limited credit I have been able to obtain, costing me hundreds, if not thousands, of dollars. 

XXXX XXXX : The ongoing struggle to correct these inaccuracies has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. 

I have reached out to XXXX, XXXX, and XXXX multiple times, providing detailed documentation and evidence to support my claims. Each time, I have been met with inadequate responses or outright neglect. Their failure to take appropriate action is unacceptable and in direct violation of federal law. 

I demand immediate intervention from the Consumer Financial Protection Bureau to hold these credit reporting agencies accountable for their illegal actions. Specifically, I request : An immediate and thorough investigation into the handling of my disputes by XXXX, XXXX, and XXXX. 

Prompt correction or removal of the inaccurate information from my credit report as required by Section 605B of the FCRA. 

Appropriate penalties and sanctions against these agencies for their failure to comply with federal regulations. 

Assurance that these violations will not continue to affect other consumers who rely on the accuracy of their credit reports. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this matter and protect the rights of consumers like myself. I eagerly await your response and the resolution of this ongoing issue.
Consumer complaint received 2018-09-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC. (CA)

On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX   XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year.  Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA all information should be 100 % accurate. 

please see attached. 

Also, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX Time Payment Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year> I was refused to cash my settlement checks that were issued by XXXX XXXX XXXX with Truist as the financial institution on the checks. I am not a member of Truist but I learned through the website that you can still cash a Truist check if you pay {$8.00} per check and provide two forms of identification. I arrived at the bank spoke to a personal banker beforehand to confirm the policy then waited in line for service. I gave the checks and two forms of ID to the teller as requested by the teller. The included my drivers license and bank card from my financial institution. She waited a few minutes then made up a lie that she could not verify the checks. I could initially tell from her demeanor and interaction that she was going to give me a hard time. I watched her treat the XXXX  lady ahead of me with the utmost kindness and respect. Then me a XXXX women approached the desk and I get the complete opposite. She continued to refuse and provide the same lie. In request a manager. She claims theres no manager around and no one can help me. No one should be made to feel like I did and discriminated against based off XXXX. There is no reason in should have been turned away after previously double verifying that I could cash my two settlement checks. If I was white the checks would have been cashed no problem.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, EQUIFAX AND XXXX are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts 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 HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

I have an online Marcus savings account with Goldman Sachs for little over a year. On XX/XX/XXXX, I have initiated a transfer of XXXX out of the account to an investment account, Goldman has rejected this transfer claimed this was swift transaction and money needs to sit for a certain period of time to be able to access funds. Ive reached out to customer care in XX/XX/XXXX and sought clarification and I was told I can try at a later time without any further explanation. Ive tried a second time to access my funds with a transfer request XX/XX/year> to move XXXX out of my Marcus online savings account to another account I have and this too was rejected without any explanation. I have since called Marcus customer care atleast 3 more times seeking clarification and access to my funds on XX/XX/XXXX and was again offered no clarification on why my transfer request was rejected or why access to my funds was being blocked. From the Internet forums this seems to be a widely held practice by Marcus to block their savings customer to their funds and theres numerous report about it.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX I leased a new XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. The lease was financed through Honda Financial Services. At the time of leasing the vehicle the finance person representing HFS, offered me two warranties that were added to the contract totaling an extra {$2800.00}. On XX/XX/XXXX I called the warranty companies and canceled both warranties. I was told by the warranty companies the refund would go to HFS and could not be released to me. After receiving the full refunds on XX/XX/XXXX HFS then applied both refunds to a security deposit and refused to apply the refund to the balance of what was owed on the lease or return it to me. After being put on hold for an average of 45- an hour each call and after over 6 attempts to get HFS to apply this refund as it stipulated in the contract, I sent them a certified demand letter on XX/XX/XXXX. This month I was sent a message on the HFS website stating my account was paid till XX/XX/XXXX. They have begun applying some of the refund as the monthly payment but still refuse to apply the full amount to the account. I am requesting the full amount be applied to the balance of the lease now or be refunded to me.
Consumer complaint received 2024-07-11
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: AMERICAN EXPRESS COMPANY (NC)

XX/XX/XXXX : I received an email from American Express ( AMEX ) with an offer to upgrade my credit account ( XXXX XXXX XXXX XXXX ) and a Welcome Bonus of XXXX reward points. The offer was shown to expire on XX/XX/XXXX. 
XX/XX/XXXX : I used the hyperlink in the emailed offer to initiate an application for a XXXX XXXX. After negotiating the AMEX website, I was able to apply and quickly get approval for a XXXX XXXX. 
XX/XX/XXXX : I received the physical XXXX XXXX in the mail with associated paper documents. 
XX/XX/XXXX : Since none of the paper documents referenced the Welcome Bonus, I contacted AMEX via an online chat. I was told that MY Welcome Bonus was only eligible for XXXX reward points and that obtaining the bonus required more spending than was represented in the original email offer. The AMEX representative took my 'RSVP ' number from the email and informed me that an investigation/action would be initiated. 
XX/XX/XXXX ( today ) : I received an email updating my progress towards XXXX reward points, indicating the investigation was incomplete or had come to an undesirable outcome. I called AMEX and got to speak with a representative who informed me that the investigation had been completed and that the sole bonus offer associated with my account was for a potential XXXX reward points. I expressed that this appeared to be a " bait-and-switch '' offer. The representative 's response was clear : The XXXX reward point offer was the only one associated with my card account and that I would need to take my business elsewhere if I was dissatisfied.