davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
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: Nelnet, Inc. (CA)

XXXX Services services a private student loan. On multiple occasions between XXXX and XXXX, I have attempted to set up an autodebit schedule eletronically and via mail. Due to a failure of their system, they have reported my account delinquent. I have requested a credit report retraction and the employee was unwilling to escalate my concern to her manager. 

I would like to request a credit report retraction and to pay off the debt in order to avoid further negative reports on my credit.
Consumer complaint received 2024-07-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/year> as Final Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX RE : USAA Federal Saving Bank XXXX, {$98000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the XXXX XXXX Department of Justice XXXX DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
USAA Federal Saving Bank XXXX, {$98000.00} Charged off ( C/O ) I request that USAA Federal Savings Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the XXXX Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Marcus at Goldman Sachs arbitrarily closed my savings account. They are allowed to do this but it would, have been nice to be given a reason. However, my balance of over {$26000.00} should have been sent back to me immediately. It now more than five weeks since the account was closed and I still have not received the cash despite three calls to their customer service.
Consumer complaint received 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Great Lakes was my loan servicer and now NelNet is my student loan servicer. Approximately XXXX years ago, I began attempting to enroll in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX program. Each time I contacted Great Lakes, they incorrectly informed me that I did not qualify for XXXX. Similarly, NelNet provided the same misinformation as recently as a few weeks ago and again today, XX/XX/2024. 

It is my understanding that there may be financial incentives for loan servicers to maintain outstanding loan balances. However, I find it concerning that both Great Lakes and NelNet have insisted I am ineligible for loan forgiveness or pressured me to pay all accrued interest before applying, despite my XXXX years of employment with the Federal Government, which should qualify me for XXXX under the program 's guidelines.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The portfolio recovery company reported to XXXX on XX/XX/year> that I have a debt of loan type Factoring company account for {$530.00} that is not mine. I am a victim of identity theft thanks to a leak from XXXX earlier this year including and old address where I have not lived in more than 20 years. The creditor was XXXX Bank which authorized a loan on XX/XX/year> that does not belong to me. I have perfect clean credit, but due to the portfolio recovery showing this on my credit report until XXXX I need to make sure this is corrected from my credit report and completely removed. 
I am not responsible for this debt, and I hope this can be fixed as expeditiously as possible.
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, XXXX, Equifax and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (NY)

This is my complaint to Experian for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/ and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

Account Number # XXXX-Joint Installment Loan from Bridgecrest Credit Company LLC : 1. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

2.Type of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts 3.Dates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

4.Explanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

5.The creditor refuses to provide any more details or information about the closed installment loan # XXXX from Bridgecrest Credit Company LLC . I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

6.They have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of BRIDGECREST. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low XXXX 's, Now in the mid XXXX XXXX XXXX. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXXXXXXBRIDGECREST they are the WORST company to do business with.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc (FL)

Received the first email on Thursday, XX/XX/year> at XXXX XXXX  stating to Please Verify your email address ( which I didn't ) and the second email was the same day and time that states You Saved a device for faster checkout. Email number 3, received same day at XXXX XXXX  stating Here is what's happening. Payment will be sent to Daily Sale and my monthly payment will be {$180.00} for 12 months. Never heard of Daily Sale and never applied with Affirm or ordered them to pay anyone. I Googled the company Affirm for the phone number and called them several times. By now on the 3rd email there was a loan number and I referred the number to the person I spoke to, which was very difficult to understand as it was obvious they did not speak English well. I gave that person the loan number and stated that I never applied for anything and why was this sent to me. They asked me for my birthday so they can verify who I was. I refused to give that to them and stated that I gave them the loan number that was provided in the email. Then that person says I can't find your information. I did however give them my phone number as I'm listed all over XXXX as I'm a realtor. XXXX even has my home address as well. After 4 phone calls the last person stated they would freeze this loan/account and they supposedly have a Account XXXX XXXX of which will review the account. Was told that they would take approximately 3 to 5 days to resolve. Well, Saturday, XX/XX/year> at XXXX XXXX  they're investigation was complete and in my favor that this was unauthorized and would take 30-60 days for my credit report to be cleared out. Which didn't make sense since I checked my credit report and there was nothing reported. The last email I received on Sunday, XX/XX/year> at XXXX XXXX  stating We'd love to hear from you. Asking if they were able to resolve my request. I never responded.,
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (DC)

The law states based on 15 us code 1691 that I cant be denied a loan or credit. I went to a td branch location and they denied my form XXXX and denied my XXXX XXXX XXXX XXXX stating I cant be a XXXX XXXX XXXX XXXX for my own account. But more importantly online they denied my XXXX loan application. I have suspicion of breach of trust, security fraud and identity theft on the banks part. Please resolve this as soon as possible. Thank you.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Today. I asked for pmi to be taken off my mortgage. They misrepresented the dollar amount and XXXX. They told me I could have the loan reassessed and I would have to pay XXXX for this. However this is not stated as a fee associated with the loan. They also said they wouldnt let me record the conversation while literally telling me they may be. They also refused to provide me with a signed paper saying why I have to pay XXXX for the pmi. I feel like this is not in the spirit of truth in lending practices. PENNYMAC is the lender.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (IL)

Unfortunately a very large sum of money was refunded but never received. It is believed the company went out of business but there is no way for me to know. I did receive an agreed upon refund statement and the company said it would be refunded. However I could not reach them when I got concerned after 10 days. I disputed the fees associated with my car warranty and repairs which were to be refunded. I provided proof of this but CURRENT BANK left it out my proof in their initial decline decision. However, they did inform me that they were not able to reach the merchant, neither have XXXX I asked to appeal the decision as it seems there was no real investigation. Neither CURRENT nor myself could reach the merchant. No investigation was done. However, CURRENT still denied not having not my initial claim but my appeal immediately without investigating or reviewing my proof of return documents.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I was sent a letter from NEWREZ mortgage company saying I had a shortage in my flood ins. XX/XX/24 My mortgage was sold to them by XXXX XXXX with NO ESCROW. I pay my insurance directly through my Ins. broker, XXXX XXXX. 
All of my insurance is up to date. 
NEWREZ claimed I had to request the removal of escrow from my account even though they had my mortgage since XXXX of last year. All of my declaration pages list NEWREZ as the mortgage holder. 
They also asked for a handwritten letter to be emailed to them with the request XX/XX/24 I did and saved the email. I have started recording the conversations with them I am being given the run around and the whole thing smells. 
they are wanting a normal mortgage payment including the " shortage '' for XXXX I drafted a payment of my normal payment without the shortage because I do NOT OWE them any ins. money They are still expecting another whole payment including the shortage for XXXX I have taken a picture of the screen for their website online showing two both payments expected for XXXX. 

I think they are trying to establish late fees, and an attempt to ruin my credit over {$530.00} I also spoke to the Insurance company directly and recorded that conversation and they said they show no shortage or request for any money for the policy. 
I am not the only person having issues with NEWREZ, XXXX and other social media platforms describe terrible stories involving this company. 

What kind of attorney do I need to pursue legal options for a possible class action case?
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

After looking at my credit report I noticed two hard inquiries that equifax reporting one for XXXX that was on XXXX and another for XXXX XXXX  XXXX I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquiries or give any form of consent electronically, in person, or over the phone .Iam fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA
Consumer complaint received 2024-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (NY)

This company current bank disbursed funds related to my tax return into the wrong account. They were made aware of this and dragged their feet to freeze the account and reject them. The account name did not match the transaction should have been rejected or put on hold for further investigation as apparently this is fraud. The company agreed to issue a portion of my tax refund when Im owed {$6500.00}. The refund was in my name and I want my money asap they refuse to give me my money. The bank is fraudulent!
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

This should be removed from my credit report because the loan itself was over 7 years ago. I have stated this to them on many occasions since the sold the vehicle and has not provided me with the amount sold. I want it off my credit report. They remove it and place it right back on which causes issue with my credit worthiness.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I lost my debit card XX/XX/year> and there was Fraudulent Transaction made on my Chime Checking Account and there was 5 Fraudulent Transaction Made in my account i contact Chime to dispute the transaction XX/XX/year> and chime open a dispute for me then the dispute came back Denied XX/XX/year> and no credit or anything was put back to my account and they refused to help me and get my money back and denied to re-investigate the case and I explained everything things that happen how i lost my card and my claim was denied regardless please help me with this matter please this is terrible and i lost a total amount {$66.00} And Chime Refused to help me get my money back and made and incorrect decision on this claim : XXXX
Consumer complaint received 2023-05-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I received an offer from Chase Sapphire Reserve for 0 % interest balance transfer through XX/XX/XXXX. I took advantage of this offer and paid about {$800.00} one time fee to take out the loan. 

The following month ( XX/XX/XXXX ) I called Chase to confirm how much money I needed to pay to cover my monthly purchases in order to avoid interest there, while also not affect my 0 % balance transfer total ( this information was not available on the platform ). Despite being told a $ number and making that payment, I still received charges for interest despite paying off the purchases total on time. When I called Chase they told me that my account had been changed to a revolving account, which meant that due to the balance transfer, all of my purchases ( even if they were paid off in full every month before the due date ) would begin to accumulate interest daily. 

As such, I paid {$800.00} to take out a 0 % interest balance, only to then find out that this product changes my account status to charge an unavoidable daily interest rate for any and all other purchases on the same card. They also confirmed that they would not reverse the balance transfer fee even if I paid it back. 

Since the card charges XXXX XXXX  year, I am faced with paying this while also avoiding card usage to prevent any additional interest. Or, I pay off the 'interest saving balance ' this month which includes the original 0 % balance that was meant to be free of interest through XX/XX/XXXX- and lose the {$800.00} fee I paid to take it out in the first place. 

I have been a Chase customer for XXXX  years - I have never experienced such blatant abuse of customer marketing. Please hold them accountable for this.