davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I received a letter back on XX/XX/XXXX from tsi. ( Transworld Systems Inc. ) stating that they are a debt collector and that I needed to pay for {$150.00}. On XX/XX/XXXX ( at XXXX XXXX ) I called the # to tsi and spoke with a XXXX XXXX XXXX who explained to me that XXXX XXXX had sent this to them, based on a transaction back on XX/XX/XXXX. I disputed the transaction and she then mentioned that she'd put a hold on the debt collection. ( with a tsi account/reference # of XXXX ) I didn't have any other contact from tsi until XX/XX/XXXX, when I received a new debt letter that now stated that I owe {$1600.00}. ( with a tsi account/reference # XXXX ) ( all along, my wife and I have thought of this as a scam ) I called tsi on XX/XX/XXXX and spoke with a representative and again filed a dispute. They again listed XXXX XXXX as the company enlisting tsi to collect money from me. She said that she took note, but ended up hanging up on me, when I started to ask questions. I have also sent a letter back to tsi to dispute the debt. 
I have never used XXXX XXXX ever in my life.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the creditor ( XXXX ) about false reporting late payment on XX/XX/2023. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account [ XXXX XXXX XXXX XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2024 I called Transunion twice regarding XXXX accounts from XXXX on my credit report but was placed on hold for an extended period of time and eventually the call dropped.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (NC)

On or about XX/XX/XXXX  I received a check from Wells Fargo Bank for {$200.00} from the CFPB settlement fund. See attached document. I decided to contact Wells Fargo the get answers for the small amount. After spending almost half the day being transferred from department to department being told each time " wrong department '' I was told by the WF Remediation to call the number on the check and they hung up before I could ask further questions. The number on the check is a recording. 

Also, we paid almost {$5600.00} to WF trying to avoid losing our home. But were denied. Also attached are Court cases from the Commonwealth of Massachusetts and US District Court XXXX concerning the original mortgage. 

Please note that I no longer have legal counsel.
Consumer complaint received 2024-01-10
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: BARCLAYS BANK DELAWARE (WA)

I have received an email promotion from XXXX about a credit card that can give few benefits with XXXX XXXX, this card is issued by Barlays bank. more details XXXX XXXX XXXX. Considering the benefits I have decided to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and same was approved. I have paid my annual fees of XXXXusd for the same Post the card approval and received i did booked the tickets using the card for international travel one one the travel was on XX/XX/XXXX from XXXX XXXX XXXX and return on XX/XX/XXXX. 

One of the key point ( first main point ) that made me to apply for this card was " - As a primary XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX holder, you will enjoy XXXX  tier status for 12 months from the card account open date. '' considering the above statement, i should be getting XXXX  tier benefits starting XX/XX/XXXX However later, I realized that for my travel on XX/XX/XXXX i am not able to get those benefits even though the card is open 6-7 weeks earlier. when i reached the bank and XXXX  both points me to another point in that page listed way below " The XXXX tier status can take up to 8 weeks from the card account opening date to be reflected. '' I made clear to both that status reflecting is deferent from enjoying the benefits. if this is same your first statement of Opening date is misleading and kid of cheating customers to apply and pay card fees with out giving them benefits for 12 months. Its been almost 2 week no one want to take ownership of this issue leading my frustration. 

Later on XX/XX/XXXX XXXX XXXX in a email said below *To clarify the miles are credited by the bank, and the status is also updated by them. I do see some of miles credited to your family group, we have no access to your card spend so we rely on the bank to add the miles. 


As for the Tier upgrade, we have not received a request from the bank, we will not be able to assist unless the bank contacts us. I do understand it may show on your statement but for us, it is the bank who should make this request. * When talked to bank they are saying they cant do any thing it is with XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I WAS A VICTIM OF THE XXXX DATA BREACH AND HAVE MULTIPLE ACCOUNTS THAT WERE FRAUDELANTLY OPENED IN MY NAME. THESE CREDIT CARD ACCOUNTS EVENTUALLY WENT INTO COLLECTIONS WITH MIDLAND CREDIT AND ARE AFFECTING MY CREDIT REPORT. I ALSO HAD RECENT INQUIRIES TO DIFFERENT MORTGAGE COMPANIES AS WELL ALL DUE TO THE XXXX DATA BREACH. I HAVE WRITTEN SEVERAL LETTERS TO THE THREE CREDIT BUREAUS ASKING THAT THEY REMOVE SAID ACCOUNTS AND INQUIRIES WITH NO RESPONSE.
Consumer complaint received 2024-01-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Peer Advisors, LLC (ID)

HUDs third-party contractors employee that I was assigned as my loss mitigation specialist, Gave me false information, went out of his job description, approved the request for payoff when it should never have been approved which I didnt know until that guy from the fraud department at Hud told me . he gave me false information and he was negligent on reporting fraud. I reported it to him in XXXX and it was months later before I actually talked to somebody else and was able to get it reported his negligence going out of his job description cost me {$160000.00}. Compulink or XXXX needs to be accountable for the actions employed by their employee. The fraud department specialist from Hud specifically told me that this employee had went way out of the job description and giving me all these faults information of what to do to sell the home with a realtor I mean just all sorts of things that wouldve resulted in foreclosure, and me being sued again, and resulted in all this loss of money that somebody needs to be responsible for. I trusted that who I was assigned to as my mitigation specialist information had been given was correct and true.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, 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. (WI)

I've reviewed my credit report and I noticed some inquiries that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my deep concern regarding the inaccurate information present on my consumer credit report, which has adversely affected my ability to access credit and has caused significant disruptions in various aspects of my life. This letter serves as a formal dispute of the inaccuracies, a request for compensation due to the hardships I have endured, and an opt-out of the current agreement under the arbitration clause. The inaccuracies on my credit report have led to the denial of credit, impeding my capacity to secure vital resources such as reliable transportation for employment and stable residence. As a result, my family has been forced to move from place to place, causing substantial stress and instability in our lives. The denial of credit has had profound impact on my financial stability, limiting my employment opportunities and hindering my ability to provide for my family. 

The most current was with XXXX XXXX XXXX XXXX store credit under XXXX XXXX XXXX of denial do to this reporting of credit. 
In addition to the dispute and compensation request, I am formally opting out of the current agreement under the arbitration clause. I prefer to pursue other terms per applicable law in renegotiating terms to best of my benefit seeking compensation.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (LA)

On XXXXXXXX XXXX  I requested a copy of my Early Warning services report. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX  or unlawfully selling and disclosing my Nonpublic Personal Information. My social security number account, account number, transaction history, and private banking account history are all being sold and disclosed with non affiliated third parties without my consent. According to 15 u.s code 6801 each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic Personal Information. It also states in 15 u.s code 6802 part ( B ) A financial institution may not disclose Nonpublic Personal Information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously disclose to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under 15 u.s code 6804 that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an expectation of how the consumer can exercise that nondisclosure option. 15 u.s code 6803 Disclosure of institution privacy policy. A financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or electronic form. According to 15 u.s code 6805 it is the duty of the consumer financial protection bureau to enforce the above stated codes.It is a violation of the Privacy Act Of 1974 which is punishable up to XXXX per each violation. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absents the written consent of individual.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (MD)

I was notified by   XXXX   that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX  and 60 days late in  XX/XX/XXXX . My full mortgage payment was made in  XX/XX/XXXX , then a partial payment of {$1000.00} in  XX/XX/XXXX , then the full amount owed in  XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX   {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00}  XX/XX/XXXX  {$6000.00}  XX/XX/XXXX  {$2600.00}  XX/XX/XXXX  {$2300.00}  XX/XX/XXXX   {$2300.00} I understand th at they may report that I was 30 days late in  XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below  : XX/XX/XXXX  - Called   NationStar - A co mplaint was filed with the  Research Dept by NationStar, loan payment history received from   XXXX   XXXX   ( Customer Service Admin   Support ) at  Nationstar  XX/XX/XXXX  - F ollowup email to  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar w ith my payment history from the bank - No response   XX/XX/XXXX  - F ollowup email sent to  Research Dept a nd  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd  XXXX   XXXX   ( Customer Service Admin Support ) at Nationstar requesting status update - No response
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

My Nelnet student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting Nelnet In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted Nelnet I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX Bankruptcy XXXX, XXXX XXXX XXXX California does not report information to any credit reporting agency
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I'm having several issues with Nelnet. My loans were transferred in XXXX to their company from Great Lakes. I had no issues with Great Lakes, in fact, my experience was excellent. 

On XX/XX/XXXX I received an email stating that I had an incomplete IBR Application that was recently submitted. I've not submitted any new IBR applications since XXXX XXXX and I had the concern that this was false information. I attempted to call NelNet, and was given a 90 minute wait time. Unfortunately, with work, I do not have the ability to wait on hold for 1.5 hours during the day. I went back through, and StudentAid.Gov confirmed in XXXX XXXX  that my IBR was received and approved for 12 months. I'm not sure why Nelnet is sending me information as such. 

The second issue I'm having, is Nelnet is showing my loan as " past due '' or " late '' when it's in fact been paid each month. I'm on an IBR SAVE plan, and I pay the amount due each month. Nelnet confirms they've received my payment, but then marks my loans as past due, and shows warnings that I need to make a payment after I've already paid and it's been processed. This didn't seem like a big deal until yesterday, XXXX when I received a formal email from StudentAid.Gov stating that Nelnet reached out to them saying I missed a payment. I immediately logged into the website, and sure enough, my payment was received for XX/XX/XXXX, processed, and the website shows my next due date isn't until XXXX XXXX XXXX. I'm really hoping this incorrect information does not make it to my credit report. 

I've attempted to contact Nelnet via email, which they're stating " Sorry, we're experiencing a delay in our replies '', as well as via the phone. Each time I call on the phone, there's a minimum of 90 minute hold times, and once was quoted 30 minutes, only to sit on hold for 75 minutes before having to hang up. 

The third issue I'm having is with their website. It seems to be down a lot, and when attempting to login, I'm given an authorization code, which never works. Copied direct from the text or email, it seems to fail at least every other time I login. As such, I'm frequently locked out of my account, and have to reset the password, even though my password and authentication code were correct. 

I'm not sure what else to do. I'm paying my loans as I should, and I'm being threatened with action for " missed payments '' that were already processed weeks ago.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX. On XX/XX/XXXX, I had a balance of {$510.00} in my account. 
XXXX. On XX/XX/XXXX, I had {$500.00} in my account. 
XXXX. The rule for this account is if I have {$500.00} or more in my account throughout the month, the maintenance fee would be waived. I met this requirement for the month of XXXX. However, the maintenance fee was not waived. Bank of America did not hold up its own policy.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

Between XXXX XXXX XXXX there were XXXX  unauthorized charges on my husband and I account, equaling over XXXX. I contacted on XX/XX/XXXX and was told I could not dispute the charges yet as they hadn't cleared. On XX/XX/XXXX spoke with XXXX who still could not dispute all claims but opened XXXX we were advised to call back the following day. We called again told we can not dispute yet as charges were pending. By XX/XX/XXXX, again spoke with XXXX, who said he was ADDING the additional XXXX charges to the original dispute ( all XXXX charges of various amount ) and proceeded to make sure I was aware it COULD take up to XXXX business from initial dispute for provisional credits. Last XXXX XX/XX/XXXX, I called and was informed the person handling the case would try and have the case complete by that evening at the latest XXXX XXXXXX/XX/XXXX. On Tuesday after the disputes had not been completed I became vey frustrated, and spoke with a manager by the name of XXXX XXXX ( XXXX ) and WAS PROMISED the XXXX disputes would be returned no later than XXXX XXXX on XX/XX/XXXX. I still have not received the funds. I have since left XXXX voice mails with the manager and have not had any response. This is over XXXX  stolen, and what's sad is XXXX transactions and they didn't flag it as fraud its unsafe and irresponsible.