davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CT)

Good Day I XXXX XXXX XXXX old Single XXXX XXXX on a VERY LOW FIXED income XXXX. Please see attachment of my XXXX XXXX. 

I XXXX XXXX am Single XXXX XXXXXXXX XXXX  very low fixed income XXXX monthly am writing this via email in reference to my Dispute on Card XXXX for {$500.00} with XXXX XXXX XXXX. My Card Stolen from me and compromised. 
I was paid cash back XXXX time so I cancelled dispute. Happened again same person. I dispute charge wrote a letter. 

My Concern : WHY did ADP Associate PREMATURELY post XXXX to my Account in XXXX 2023 without COMPLETING the Investigation? I'm NOT liable!!! 

That's an ADP ERROR and Inconvenience to your XXXX Customer whom really like my XXXX services. 

I should not be Unfairly held Liable for XXXX which should NOT have been posted to my Account until Investigation was COMPLETED. 

I noticed the XXXX posted in my Account that meant to me the Decision was APPROVED AND COMPLETED. 

Now I'm put in a position by ADP Associate that Claim Denied 60 DAYS LATER. That's Unethical, Unacceptable and Unfair to the Customer. 

Now I'm in a FINANCIAL HARDSHIP!! 

ADP Associate POSTED PREMATURELY before completing said Investigation. Now Customer is being held Liable for ADP ERROR OF ACTIONS. Someone fix this please!!! 

When I Disputed XXXX XXXX ADP did NOT Prematurely post the {$1300.00} to my account BEFORE COMPLETING Investigation. 

Matter of fact ADP DENIED that claim. 

But! If view my Account XXXX XXXX themselves REFUNDED {$1300.00} although ADP DENIED ..... 
I HAD TO CONTACT XXXX, XXXX  AND XXXX I'm Rebutting last email promise to pay XXXX monthly and Disputing AGAIN XXXX Fraudulent action on my card which as been Compromised. 

I wrote a letter requesting ADP to Re-Investigate this Dispute incident. 

Im requesting ADP to make this situation right. 

XXXX should NOT have posted PREMATURELY until Investigation COMPLETED. 

If view my Account all this night mare started for me XX/XX/2023. Moving company 's FRAUDULENT over charging, they held and tried to steal my furniture which i did get back along with XXXX XXXX. 

Next thing my card stolen and compromised again unauthorize use for XXXX again XXXX XXXX. 

I'm Homeless due to this whole situation I endured with the moving company and card compromising. Lost my affordable housing fighting them 2 months to get my things per the XXXX XXXX. 

SEE ATTACHMENT : IM UNABLE TO PAY ADP 'S Associate Unethical Premature ERROR of this post of XXXX to my Account. I thought Dispute was Approved. 

Please help make this right!!! 

Humble Regards
Consumer complaint received 2023-11-20
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. (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 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the XXXX XXXX was sold to XXXX XXXX and Company for servicing a servicer can not collect payments. I was suppose to receive a Cash Advance at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Consumer complaint received 2023-11-20
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: WELLS FARGO & COMPANY (NY)

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the Prom Note was sold to XXXX XXXX XXXX XXXX for servicing a servicer can not collect payments. I was suppose to receive a Cash Advance at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX  and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Consumer complaint received 2018-05-17
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: WELLS FARGO & COMPANY (FL)

I have already contacted Wells Fargo and XXXX XXXX a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX  XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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: Spring Oaks Capital, LLC (NY)

XXXX XXXX XXXX, XXXX XXXX XXXX and Spring Oaks Capital LLC has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
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. (FL)

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2023-11-20
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: Penn Credit Corporation (NY)

XXXX XXXX XXXX, Penn Credit Corporation and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
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. (FL)

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (CA)

I filed a previous claim # XXXX reference numerous repeated charges, large additions to balance owing after signed modification, confusing nature of Selene 's payment history documentation, needed explanation for double charging of loan amount monthly and failure to report to credit bureaus since initiating account with Selene. 

Selene 's response ignored any of these concerns, included only a forwarded copy of my modification document ; which didn't address any of the above noted items, and they promised to stop asking for my dead father with each call. 

Well, Selene still asks for my dead father on each call... 

Their documentation is the same ; without reason or clarification of repetitive and double fees, and they continue to ignore my requests to reduce my loan to a fair amount, to restore their fraudulently applied check and NSF fees, or to explain {$37000.00} in " Corporate Advance Adjustment fees '' that increased my balance after signing. 

My prior complaint included a 17 page log with minimal, detailed compilation of all correspondence/transactions with XXXX. I organized it in the closest semblance of intelligence that I could create from their chaotic and inconsistent documentation. 

My {$150000.00} balance, that I signed as {$130000.00}, should have a XXXX XXXX monthly payment, plus escrow. Selene mandates an {$1800.00} monthly payment, to prevent Foreclosure. 
This is equivalent to a {$250000.00} mortgage, not the {$130000.00} I signed documentation for. 

This company refuses to be transparent, consistent or apply honest business practices.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Several months ago I sent a dispute to XXXX about a collection on my credit report. I asked for various things to prove this belongs to me and they havent investigated within 30 days. I put a complaint in with the XXXX also. This account does not belong to me.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (FL)

They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (MO)

I have been having problems with Card Services- Dispute Resolutions XXXX XXXX XXXX, XXXX GA XXXX starting XXXX of this year with incorrect information not updating personal information restricting my access to my accounts via debit card unable to provide any resolution also identity theft unauthorized transactions including no security measures in place also replacement of debit cards that were not received sent to different addresses including unable to forward mail labeled undeliverable I would like a thorough investigation into these card service and woul like to file an extensive complaint. Also including rerouting of mail including mail fraud
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NJ)

My Bank XXXX mistakenly send XXXX to XXXX XXXX , on XXXX.XXXX no longer services my student loans and should immediately refund the amount. I have written to XXXX, I have received no response. Their toll free phone number no longer works.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Basically, my account has been transferred to PHH Mortgage & the payment options they say are available aren't really available. I was just hung up on by one up their reps as she tried to explain to me that it is too early to make my XXXX payment. I work on commissions and like to make my payments ahead of time to keep from stressing over bills. I have had to fight with company from the beginning to make payments & this should not be the case. I have filed complaint with the XXXX  where I found 933 complaints last week regarding their lack of customer service and unethical practices. We need an AG to address these issues and call these things out. Each time I try to make a payment I get the following same message : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

My last payment was made on XX/XX/XXXX and has cleared my bank. I would like to be able to make my XXXX payment this week and XXXX payment next week. I don't like using the us mail because things get lost and move too slow. Also, I don't want to give my banking account info to someone I don't know over the phone.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

An application for a Chase credit card was submitted without my knowledge. When speaking to Chase they could tell me that the application was filed on XX/XX/2023. It was declined. I would like the hard inquiry removed from my report.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income  Based Repayment program back in     XX/XX/XXXX . I c alled  Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for >  5years  which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the  IBR  will be $  XXXX  monthly until reevaluation time in a year, i n  XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on   XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising   XXXX   and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in   XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in   XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since   XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into  the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do.
Consumer complaint received 2023-11-20
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.