davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I graduated from business school in XXXX XXXX XXXX with XXXX different student loans. On XX/XX/XXXX, I applied for the SAVE program to lower my required interest payments on my student loans, which would help me pay for my recent XXXX XXXX from XXXX XXXX XXXX XXXX. FSA passed on this application to Nelnet on XX/XX/XXXX. Nelnet officially accepted my application on XX/XX/XXXX, and changed both of my XXXX XXXX  loans to the SAVE program, but failed to change my XXXX XXXX  loans to the SAVE program - instead, they were marked " Standard Repayment ''. 

My total loan principal is {$210000.00} and I had no income as of my SAVE program application date. Under the SAVE program, interest above required monthly payments is forgiven. During the period from my application date until XX/XX/XXXX, my monthly loan payment should have been {$0.00}. My interest accrual therefore should have also been {$0.00} according to the SAVE program guidelines.

I called Nelnet 's Customer Service line on XX/XX/XXXX and waited on hold for XXXX hours before the end of business hours required me to hang up. I called again on XX/XX/XXXX in the morning and after over XXXX hours ' wait I was able to speak with a customer service representative. I asked why the SAVE program wasn't applied to XXXX of my loans, how long it would take for the SAVE plan to show up on the other XXXX loans, and whether I needed to take any further action. The representative stated that I did not have to take action, that she flagged my account for action, and that I should check back in within a few weeks for the SAVE program to be fully processed. Weeks passed, then months, and nothing changed.

On XX/XX/XXXX, my annual income changed to {$72000.00} after I was hired for my first job following graduation. Although I'm not required to re-verify my income until XXXX year after my initial SAVE application date, I reapplied for the SAVE program on XX/XX/XXXX in a second attempt to fix the XXXX loans that remain in " Standard Repayment ''. Nelnet received the new application on XX/XX/XXXX. Still, XXXX of my XXXX loans are in Standard Repayment. Now, all XXXX of my loans ' status are marked " XXXX XXXX XXXX ''. 

Throughout the period from XX/XX/XXXX until present day, I have been unable to enter repayment due to a failure of Nelnet to apply the SAVE program to XXXX of my XXXX student loans. I believe that Nelnet is maliciously failing to apply the SAVE program to my account in an attempt to delay the interest forgiveness provided by the SAVE program.

Since interest did not start accruing on my account until XX/XX/XXXX due to the end of the federal pause on interest accrual, this applies to the full interest balance of my loan.
Consumer complaint received 2023-04-10
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 


XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (NC)

Attached letter sent to XXXX XXXX regarding Adverse Letter supplied by FIRST ADVANTAGE. This letter was also supplied to FIRST ADVANTAGE. 

Applied for an apartment on XX/XX/2024 at XXXX XXXX XXXX XXXX XXXX and tenant screening company FIRST ADVANTAGE replied stating my application was denied. 
The reason for denial was unlawful and discriminatory and has caused a grave reaction for myself and my family. We were denied housing which hinders the progression to move forward. 

To move this matter, I have created a complaint through HUD on XX/XX/2024.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Company sent email to me on XX/XX/XXXX saying I owed damages to a rental property that I moved out of over 1 year prior. This contact was first outreach, over a full year after move-out. 

The company sent a basic spreadsheet list of what I owed. This did not look official. 

I requested the damage proof and reciepts via phone, which the company stated they did not have to give me. 

I sent a certified mail letter to company on XX/XX/XXXX requesting proof that said debt is legitimate with photographic evidence and receipts for purported damage costs owed as is my right. 

The company did not provide any information, but called me on XX/XX/XXXX saying they conducted an internal review and that I still owed said damage costs. 

The company is refusing to provide any evidence that this debt is legitimate.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an overall credit limit of {$65000.00} on my combined credit cards ( 10 ) with an overall 1 % credit utilization. However, I had a 30 % utilization on one of the cards, the total balance on all cards was {$960.00}. 
{$960.00} balance compared to a {$68000.00} limit, indicates utilization is less than 1percent. So, I was baffled when my credit score dropped XXXX XXXX both on Transunion XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Freedom Unlimited Credit Card and On XX/XX/2023, I redeemed XXXX points for {$300.00} Amazon digital Gift Card. 

It said it takes up to 3-5 business days so I waited about a week for them to send me an email with the digital gift card. However, the email never came through so I called Chase Credit Card Customer Service 4 times to resolve this issue until today. 

I told them to cancel the transaction and give me back the XXXX points since it's taking too long for them to figure out the issue, but they said any points redemption transaction can not be reverted and told me just wait. 

Everytime I spoke with the customer service rep, I was told that I would receive it in the next 3-5 business days but nothing came into my inbox. I've checked the Spam folder and have done my due diligence so I am 100 % sure that they never sent the email. 

Please help me get my {$300.00}...
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

On approximately XX/XX/XXXX I applied for a Chase Freedom Card. In order to be approved, I needed to reallocate credit from my existing accounts to this card, which I did. On or around XX/XX/XXXX, I called in to reallocate additional credit from my existing personal accounts to this card to give me more spending power. After successfully doing this, the representative offered to request a credit line increase and indicated there would be NO HARD INQUIRY on my credit report. I agreed to do so. I received a denial letter for my credit line increase. I also received a notification from XXXX that a hard inquiry had been made on XX/XX/XXXX from JPMCB. I called and spoke with XXXX to dispute this hard inquiry and was told that either Chase needed to remove the inquiry or XXXX could only do so with approval from Chase in writing. 

I called Chase on XX/XX/XXXX and was transferred a total of nine times on the call. The call lasted 1 hour and 52 minutes. After speaking with the lending team, several escalations representatives, credit bureau escalations, and several other departments, the credit bureau specialty unit directed me to write a letter to get this resolved. I sent the letter on XX/XX/XXXX. 

I received a letter dated XX/XX/XXXX indicating that the inquiry was reported accurately. Again, to be clear, I was explicitly told my increase would NOT result in a hard credit inquiry.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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. (KY)

The reporting agency did not follow the rules to remove adverse information due to XXXX XXXX from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing.

Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of XXXX  in persons or XXXX XXXX under the Rule.

Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission.

A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block.

A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

XXXX. XXXX pulled in old data from my previous creditor XXXX XXXX - XXXX from XXXX  to lower my credit score by XXXX  points. 

XXXX. My mortgage bank ( 53rd Bank ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. 53rd Bank raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from 53rd Bank but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from 53rd Bank and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the 53rd Bank for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with 53rd Bank is pending. A dispute with XXXX is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,
Consumer complaint received 2023-07-05
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. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate these items. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (CO)

Self credit builder agency refuses to resolve my illegally closed account where massive fraud occurred and fraudulent transactions were reported directly to them several times instead of resolving disputed transactions self internal employees admitted they actually never investigated fraudulent transactions instead they literally stole my money from account builder as a security deposit to cover for fraudulent transactions which is internal fraud done by them and very illegal. XXXXonsumer have Zero fraud liability. I exhausted all avenues to resolve such issues unfortunately they are refusing to reverse money as credit plus security deposit money stolen from me including unlawful reporting to credit bureaus that I am 300 days late and late on payments. I asked very kindly to correct this account they are refusing and continue to damage my credit health and life wellness. Case is very simple solution is refund fraudulent transactions which means balance should be XXXX and refund {$700.00} security deposit stolen from me and open a new credit card
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XXXX, As this is the only way I can contact you ( you have no email, phone, or other contact listed ), I must wonder why you avoid answering my question and keep referring to my account not showing a stop payment request on our part. Obviously it is impossible to request a stop payment on our part if the fraud is only spotted AFTER the check has been debited from our account. If I used the words " stop payment '' incorrectly I apologise, but obviously I was referring to the approximately 4 month period from when US Bank froze the forgers account, to when I had the debited amounts credited back to my account. If the CFPB won't deal with this absurd time period, I'll find another regulatory agency that will!
Consumer complaint received 2024-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc. (NY)

I received a text message stating that nationwide credit and collections that I owed a medical debt from XXXX. I proceeded to contact XXXXXXXX XXXX, and they said that I was completely paid and had no outstanding debts nor had anything been sent to a debt collector. I have received six phone calls from this same collections agency however, I have never been provided an actual written notice through the mail that I owe a debt.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I never received my bill for XX/XX/2023 statement for {$480.00}. I was charged an interest of {$94.00} on the statement amount. I pay the bill on time every month. I asked the agent on XX/XX/2023 to mail me a paper copy of my statement and she refused. Only when I said that I was filing a complaint with the government did she say she would send me a paper copy but I don't believe her since I asked for a paper copy at least 3 times before that and she refused. I also asked for her to remove the interest payment since I make my payments every month and that amount was excessive and she refused. I am asking for the interest amount of {$94.00} to be removed from my account.