davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Under Title 12 CFR 1026.10 ( a ) ( 3 ), part of the Truth in Lending Act ( TILA ), creditors are mandated to promptly credit consumer accounts for payments or other transactions. If a creditor fails to credit a consumers account, it constitutes a significant billing error. This provision ensures that consumers are accurately charged and that payments are correctly applied to their accounts. 

When a creditor fails to credit a payment, it not only impacts the consumer 's financial standing but also may lead to wrongful late fees, damage to credit scores, and undue stress. Under this regulation, consumers have the right to dispute such errors and seek corrections. The creditor is obligated to investigate and resolve the issue, including crediting the account with the proper amount and rectifying any related adverse effects. This regulation protects consumer rights and ensures financial integrity in billing practices Under 12 CFR 1026.13, creditors must address billing errors promptly. Sections ( 1 ) through ( 7 ) outline the process : XXXX XXXX : Creditors must investigate disputes and resolve them within specific timeframes. 
XXXX XXXX : Consumers must receive written acknowledgment of their dispute within XXXX  days. 
Correction : Errors must be corrected, including adjustments to account balances and refunds if applicable. 
Notice of XXXX : Creditors must notify consumers of the resolution outcome. 
Error Explanation : If an error isnt found, a clear explanation must be provided. 
Interim Credit : XXXX credits XXXX be required while disputes are investigated. 
Continued Charges : Consumers should not be liable for disputed amounts while the investigation is ongoing. 
These regulations ensure fair treatment and accurate billing for consumers..
Consumer complaint received 2024-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

U.S. Department The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX gives parents certain rights with respect to their children 's education records. 
My credit report shows this is my account number DEPT OF ED / NELNET XXXX, however, on the Nelnet website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 

My Information should not be on any credit reports due to ( XXXX ). 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt-out notice to consumers ; opt out methods.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC (FL)

I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (MI)

This company National Recovery Agency, in direct violation of the FDCPA 15 USC 1692d, has harassed and oppressed me using fraud. By the use of criminal means, they have damaged my reputation as well as my ability to obtain consumer credit, further diminishing my faith in the banking system. They have stolen my identity using my social security number in violation of 42 USC 408. 42 USC Sec. 408 provides that : *Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. '' Theyve failed to remedy this fraud. In violation of 15 USC 1692b and 15 USC 1692c, Nation Recovery Agency has communicated with me at a place that is inconvenient. As Ive advised them, in writing, that I refuse to pay this fraudulent claim and that I wish no further communication continues between them and I, they are still reporting this claim to credit reporting agencies in direct violation of Federal law. I have no valid contract with this company, nor do I have a contract with the company they've claimed to assume the debt from. This company has failed to produce a valid contract for either company. I demand they cease all communications, as I am litigious, and they are liable for damages for openly violating the law.
Consumer complaint received 2024-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This company M & M Credit, in direct violation of the FDCPA 15 USC 1692d, has harassed and oppressed me using fraud. By the use of criminal means, they have damaged my reputation as well as my ability to obtain consumer credit, further diminishing my faith in the banking system. They have stolen my identity using my social security number in violation of 42 USC 408. 42 USC Sec. 408 provides that : *Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. '' Theyve failed to remedy this fraud. In violation of 15 USC 1692b and 15 USC 1692c, M & M Credit has communicated with me at a place that is inconvenient. As Ive advised them in writing, that I refuse to pay this fraudulent claim and that I wish no further communication continues between them and I, they are still reporting this claim to credit reporting agencies in direct violation to the law. I have no valid contract with this company, nor do I have a contract with the company they've claimed to assume the debt from. This company has failed to produce either.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received a {$1000.00} limit from XXXX XXXX XX/XX/XXXX XXXX interest for XXXX months, XXXX months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my credit score by more than XXXX points. According to the promotion I had XXXX years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on gerrymandering. I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Back in 2022, I had provided my sister a power of attorney form as I was XXXX  she had picked up a check from a fire department that I had worked for, my attorney brought it to me and I signed it, along with letters giving my sister authorization to cash the check for me. Her bank accepts it at first, then they close her account for fraud. For 2 years now, we have been fighting with Chase bank to give me my funds, they keep saying they needed to verify I am who I am, I was released and went to the said branch and provided my ID and social to verify I am the owner of the check, and they still continue to ask for more documents. However I provided them everything short of a DNA sample. One occasion we spoke with a super visor whom told us to go into the branch with my ID, and they will have the check deposited into my sisters account. Then when we get to the branch, the manager says they need more documents. However I am standing there with my ID, and theyre refusing to give me my $ XXXX funds.
Consumer complaint received 2023-07-07
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: Eastern Account Systems of Connecticut, Inc. (GA)

I filed in with XXXX and XXXX  to have eastern account system remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (IL)

I was contacted by ARstrat, XXXX XXXX TX regarding a medical bill from XXXX XXXX XXXX XXXX. 

I received care in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, MO. My insurance provided an EOB and issued payment. Upon receipt of the medical bill in XX/XX/XXXX, I began making payments and established a payment plan for what I owed. Unfortunately, in XX/XX/XXXX, someone at XXXX XXXX adjusted the insurance payment and instead of applying the insurance payment as a credit, they applied it as a debit, thereby DOUBLING the invoicing amount rather than reducing it. They also cancelled my auto debit/payment plan at that time. 

Upon receiving my XXXX statement, I contacted XXXX XXXX via XXXX and phone asking for them to look into the matter. I received no response. Every month that followed, I did the same. Each time, no one would be able to assist me. In XXXX, I contacted my insurance to see if they could help. They were unable to get anyone to assist. In XXXX, I was sent to collections for this obvious billing error. 

A quick look at the XXXX portal can see that the insurance payment was misapplied. I am asking for the joint commission to please get involved and simply ask someone at XXXX to rescind the account from collections and make the correction. I will gladly pay any residual amount owed. 

I made the following calls to the SSM Billing line : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent all of the above correspondence to ARstrat on XX/XX/XXXX ; however, they will not adjust the bill because the billing issue is within XXXX 's system. They simply provided me with a copy of the latest bill from XXXX which is incorrect. 

XXXX XXXX will not correct the account because they've sent it to collections. ARStrat will not look into the account because they don't have access to the billing system that incorrectly applied the payment. I am caught in the middle.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have used my accounts regularly and adequately since I opened my checking account with bank of america. Somehow they closed my accounts without any further information regarding why they have closed my account. XXXX has also removed my account saying that they detect suspicious activity from my account, and in fact, I had only received money through XXXX  from my mom for XXXX XXXX. This is very unreasonable because I haven't done any suspicious illegal activity with my account. I think there are inaccurate information of me that make them think I'm a fraud. This is really frustrating.
Consumer complaint received 2024-08-29
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. (IL)

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} THESE COLLECTION ACCOUNTS IS NOT MINE.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS 15 USC 1681b. 


CHARGE OFFS XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXXXXXX {$0.00} THESE COMPANIES HASBEEN RAN AS A CHARGE OFF AND THE COMPANIES HAS REFUSED TO SEND ME THE CANCELLATION OF DEBT FORM 1099C.BECAUSE OF THAT THESE ACCOUNTARE INACCURATE AND NEEDS TO BE REMOVED 15 USC 1681b.
Consumer complaint received 2024-08-23
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: AMERICAN EXPRESS COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I placed an order with XXXX XXXX XXXX XXXX through Affirm Inc. on XX/XX/year> and never received the merchandise the loan was approved for. The initial payment for {$78.00} was refunded by my bank after an investigation on their end that proved the charge was fraudulent. Affirm Inc. has since gone to extensive measures to collect full payment for this purchase though merchandise was never received or sent. I contacted XXXX XXXX XXXX on XX/XX/year> via email about shipping and never received a reply or shipment tracking number or merchandise.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NJ)

About XXXX months without my knowledge or consent, XXXX XXXX transferred my mortgage to a shady organization called Mr. Cooper. I had automatic payments set with XXXX XXXX and never had a problem paying. I set up automatic payments with Mr Cooper and they went thru without issue. For some reason, Mr Cooper stopped the auto payments 2 months ago. I have tried to contact them regarding this issue, but can not get thru the voice mail system to speak to a person. I have the money to pay and want to pay, but Mr Cooper is nonresponsive.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/year>. 
According to the Experian credit file, XXXX XXXX shows my current balance is {$3500.00} from the {$7400.00}. XXXX finds out that the bank does not have any of my records since I do not have an account with XXXX.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I visited Wells Fargo branch # XXXX to withdraw {$1000.00} as small denominations. I was assisted by a teller named XXXX and received bills that were in poor and unusable condition. Multiple vendors refused to accept the bills, claiming it was counterfeit. I brought the bills claimed as counterfeit back to the branch and exchanged them for legitimate bills. 

On XX/XX/XXXX, I visited the same Wells Fargo branch to withdraw {$1000.00} as smaller denominations and was also assisted by XXXX. I expected to be asked how I wanted the change to be divided. However, XXXX handed me 10 {$100.00} bills without inquiring about my preference for the denominations. I requested smaller denominations and the request was fulfilled dismissively. The bills were unwillingly accepted by a vendor the same day because corners of the bills were ripped off. 

The experience of receiving dirty or damaged money, and unpleasant customer service has been consistent. Despite raising these issues with the branch multiple times, no changes have been made.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX reported a collection of {$290.00} on my EQUIFAX credit report. 

The collection is invalid but XXXX XXXX doesnt want to remove it even though I submitted all the proof ( photos and screenshots ) that I dont owe any money. 

Heres what happened : I have been a tenant at XXXX XXXX apartments in XXXX, Kansas for only 2.5 months and I paid rent for 2.5 months plus a {$250.00} security deposit. I moved out on XX/XX/2021 after my multiple requests for repairs in the apartment were ignored. 

Requests for repairs : * Extreme noise at night ( apartment situated right next to the laundry room, with a thin drywall with a hole between the laundry room and my apartment ). Tenants did laundry all night. I asked the leasing office to insulate the wall or allow doing laundry only during the day hours which was denied. I was unable to sleep at night. 
* Not working stove ( I couldn't cook at all ) - see pictures * MOLD around the water heater - see picture * Water in the bath tub not draining - see picture * MOLD in the bathroom around the shower - see picture * Water coming through flooring - see picture * Bugs coming through the windows due to not having correct size of window screens - see picture I left the apartment on XX/XX/2021 and gave the apartment keys and letter of moving out to the leasing office on XX/XX/2021 ( XX/XX/2021 was Sunday and the office was closed, no mailbox or anything I could leave the keys ). The manager didn't show up for a walk through on XX/XX/2021. I expected getting my security deposit of {$250.00} back which has not happened and it's due to me. 

Every state has specific health and safety codes that provide minimum standards for rental units, and Kansas is no different. If those standards are not met and proper notice is given by the tenant and the repairs/fixes are still not made within the allowable time period, a tenant would be considered constructively evicted. As a result, the obligations of the tenant under the lease are no longer required, given that the landlord has not met their own responsibilities under Kansas landlord-tenant law. According to XXXX  state law XXXX, landlord duties to provide habitable premises include the following : * Compliance. Comply with applicable building and housing codes materially affecting health and safety. 
* Repairs. Make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition. 


The collection report should be removed from my credit report at Equifax XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am Filling this Complaint Against credit report agencies XXXX, XXXX and experian As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which Experian, XXXX and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Traded Genesis G70 financed through Genesis Finance on a RIVIAN R1T. Refund due of {$770.00} for an overpayment on payoff. Despite multiple phone calls and a different story each time I call, no check ever received. Last excuse was the check was sent to XXXX XXXX XXXX. I contacted XXXX ; they have not received any check.. I can provide ALL dates, names, and notes pertinent to this issue if needed. It's been almost 3 months since loan was paid off.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am currently XXXX XXXX and requested SCRA benefits through Navy FCU and have not received them. I've had my Navy FCU credit card since XX/XX/XXXX and I received my 2nd call to XXXX XXXX in XX/XX/XXXX. I faxed Navy FCU the Request for SCRA Benefits on XX/XX/XXXX. When I called a month later to check on the status they said they had a six month long backlog. During the past few years, as a healthcare provider, I have been working on the frontlines of the COVID pandemic. During this time, instead of Navy FCU decreasing my interest rate to the maximum of 6 %, my rate increased from 10.99 % to 15.74 %. This practice is not compliant with the SCRA law and so I am submitting this complaint.