davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I applied for the XXXX plan in XX/XX/XXXX to prepare for repayments restarting in XX/XX/XXXX I received a letter from Nelnet on XX/XX/XXXX that my XXXX  application for XXXX was approved and payments would begin XX/XX/XXXX with a payment of {$570.00} When I logged into my Nelnet XXXX that week my minimum payment was over {$1000.00}. 

I called Nelnet and they told me that they did not receive an application for XXXX even though I got a confirmation letter from them in XX/XX/XXXX. They recommended that I place my loan in forbearance while I apply to SAVE. 

I received a second confirmation letter from Nelnet that my XXXX application was accepted XX/XX/XXXX but my loans are still in forebearance. 

Since XX/XX/XXXX I call Nelnet two or three times a week, wait on hold for hours, only to have my call dropped before speaking to a customer service rep. 

This is unacceptable because I should not be accruing interest under the federal government 's XXXX plan. But due to Nelnet being unable to make timely changes I have had months of interest accrue on my loans.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Nelnet - Loans transferred from Great Lakes -Nelnet website is failing to process payments ( as seen online, this issue is effecting multiple people using Nelnet ) and refusing to resolve the issue -When entering valid bank information ( triple-checked ) and attempting a payment, they will show the payment in processing but then say the bank failed the payment >>When checking with my bank, they said there was zero indication a payment was ever received or attempted >>Customer support wait times are around ~2 hours and millions of borrowers are incurring late penalities as a result >>When calling Nelnet, they refuse to escalate this issue and will put you on hold for hours on end and never pick back up >>When attempting to escalate, reps will intentionally divert you to hold till you hang up Nelnet is potentially intentionally making it impossible to make payments so that millions of borrowers incur further interest and late penalties that they can gather on. There customer service line is abysmal and makes it so few callers can get through and those that do are intentionally ignored or put on hold for hours on end till they give up and hang up.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

Company closed my credit card for the third time and I didnt do anything wrong and they had it reinstated 3 times with three different cards numbers and keep sending me new card numbers in the mail which I dont want and I explain to the rep I didnt apply for a previous application of Hilton honors card at all and this was a fraudulent application America express never ask for a police report and they told me that the account is confirmed fraud and I also received a letter saying that my America express delta sky miles card is restored and I was lied to and tricked and they keep canceling my card three times and if I try get it reinstated fourth time then that card number ending XXXX will be canceled and i never received this card yet .. and Im asking this company to send all my payments back to my checking account I found this is harassment and discrimination and I didnt break the terms and conditions someone stolen my identity on a Hilton honors card and I didnt open any disputes on that card someone did with my stolen identity
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating XXXX5usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished
Consumer complaint received 2024-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority (MA)

I co-signed my son 's student loan as a co-borrower or guarantor of his loan and the Massachusetts Educational Finance Agency ( MEFA ), without my knowledge, assigned me as the primary borrower. I am not the primary borrower, my son is. My son makes all payments of both principal and interest on his loan not me. By MEFA assigning me as the primary borrower all paperwork including IRS 1098E comes in my name and not my son 's. 
My son is due a {$490.00} refund on his federal income taxes from the student loan interest which he paid which he can not get because MEFA put my name as the primary borrower not my son. I did not sign up as the primary borrower and the IRS will not give him his refund because the 1098E is in my name and also say that I should contact the lender ( MEFA ) which I did multiple times and was told the only way to have this poor policy on their part changed is for my son to refinance his loan and we all know where interest rate have gone since this loan was applied for in 2019. The next time I called I was instructed to call their billing department and that maybe they could help me, which turns out to be XXXX XXXX XXXX ( XXXX ) billing and payment service company who MEFA uses whom I had already called asking why they kept sending the monthly bill to me and not my son. When I called XXXX I was told that I had to talk to MEFA and that is just how MEFA handles their loans and I do not think this is right. It is fraudulent to assign me as the primary borrower when i was the co-signee of the loan. 
I had my son sign up for autopayment of his loans plus a little extra principal every month to shorten the loan and pay less in the long run, to keep me from receiving monthly bills and to make sure that all payments were made on time to aid my son in developing some credit for future borrowing if needed. So XXXX and presumably MEFA knows that my son is paying the interest, yet the send the 1098E form in my name knowing that I don't pay the interest and have no right to claim my son 's valid deduction for the interest paid. 

So now my son and myself are stuck between the IRS, MEFA, and XXXX and they are all point to each other to have this issue resolved and get my son the refund he is due. I believe that this poor policy by MEFA is just wrong and needs to be corrected.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX XXXX XXXX  I noticed some inaccurate information on my consumer report and I sent a notice to Amex to delete the account off my consumer report according to law 1681b ( 2 ) putting them on notice that I never give them written consent or authorized them to report that account on my consumer profile and to delete it. According to 15 usc 1681E ( B ) They are supposed to report with maximum accuracy but they failed to do so. They responded to my letter XX/XX/ Not even doing a full reinvestigation and told me they will not delete for another 6 years infringing on my rights and according to 15 usc 1681i ( A ) ( 5 ) ( A ) ( I ) inaccurate info should be deleted promptly. I hope we remedy this situation or I'll be forced to litigate through arbitration as this is my last resort.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023, my bill was due for {$170.00}. I made a payment in the amount of {$200.00}. Capital One applied the Interest to my account on XX/XX/2023 in the amount of {$120.00}. The interest in this Credit card has about a {$1.00} increase every month. The interest had also increased about {$20.00} every month since the start of the year. Ive never missed a payment to my account. And there is always an over draft when I only had XXXX auto drafted payments made on my card monthly. I have discontinued the auto draft payment. Now there is only a {$40.00} payment that will get placed on this card monthly. XXXX month they are charging me {$90.00} over payment. I have called and have not really got the right answer.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (OH)

I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered.
Consumer complaint received 2022-12-20
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (CA)

I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMP
Consumer complaint received 2023-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MN)

On XX/XX/, I created a joint savings account with BMO XXXX ( the online banking division of BMO ) and successfully ACH transferred {$340000.00} into this account. See attachment for account details. On XX/XX/, I attempted to ACH transfer out {$31000.00} to another bank. On XXXX I was notified by e-mail from BMO XXXX that my account was frozen. I was notified by a second email on XX/XX/XXXX  that {$31000.00} had been returned to my account due to fraud detection ( see attachment ). I called the number provided in the email ( XXXX ), but was told I must call their fraud number at XXXX. Ive called this number over 50 times, but continuously receive a message stating the mailbox is full. I contacted the customer service number several more times ( XXXX ) and asked to speak with a supervisor, but they insist my only option is to continue calling the fraud number until someone answers. I then researched complaints online and found a recent post describing the identical problem without resolution for several weeks ( see attachment ).
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MS)

Received an email in an attempt to collect a debt on XXXX XXXX, XXXX. 
Submitted verification of debt letter on XX/XX/XXXX. 
Hunter Warfield replied with my rental contract. 
Sent another letter on XX/XX/XXXX and the company stated that they would not respond to any other emails from me.
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (NY)

CFPB Complaint in Response to WFM Letter dated XX/XX/XXXX This letter is in response to Wells Fargos findings after an alleged investigation of the facts. At the outset, Wells Fargo wrongfully alleges that I was not denied the Investors information. In support of its decision, Wells cites a Denial listing XXXX XXXX  as the Investor. 

The substance of my grievance is the wrongful denial, whether it was by Wells Fargo as the Servicer or XXXX XXXX  is immaterial as the denial was without basis. Curiously, Wells Fargo has not provided any of the records on which the wrongful denial was allegedly based income, bank statements, details of the analysis, criteria for approval, etc. Clearly, Wells Fargos alleged reconciliation of its unlawful practices is cosmetic and without substance. 

In lieu of providing the records on which the modification denial was based as repeatedly requested, Wells Fargo resent the identical letters from its alleged initial review and points to the name of the Investor in support of its decision dated XX/XX/XXXX. As a result of Wells Fargo only stating the Investor denied the modification request, I repeatedly requested the name and contact information of the Investor to directly challenge the denial. 

Notwithstanding, the name of the Investor does NOT satisfy its obligation to provide documentary proof in support of its denial. 
Equally untenable is Wells Fargos allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 

Further, as mentioned in my complaint on or about XX/XX/XXXX, Wells Fargos argument that the denial on or about XX/XX/XXXX was based on the NPV is equally meritless because the NPV valuation took place more than 7 years after multiple wrongful denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its 7 years of dilatory actions and wrongful denials.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Investment Exchange, Inc. (MD)

Attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. XXXX has neglected to correct my personal information and report true information. I have never had an at fault accident which I am being told is impacting the cost of coverage of unaffordable insurance.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted XXXX XXXX XXXX XXXX on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from Trans Union on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (GA)

I am writing to file a formal complaint against Alliant Capital Management LLC XXXX XXXX XXXX for their persistent and inappropriate debt collection practices. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing the validity of a debt associated with account # XXXX ]. Despite my attempts to address this matter directly with Alliant Capital Management LLC XXXX XXXX XXXX, their actions have been both aggressive and unacceptable. 
I have experienced persistent and unwarranted phone calls from Alliant Capital Management LLC XXXX XXXX XXXX. The frequency of these calls is unacceptable. Additionally, I find it highly inappropriate and concerning that they reached out to my mother on XXXX the alleged debt. 
I will attach the screen shot of the voicemail they left her. 
I have taken the following steps to resolve this issue : On XXXX spoke with a lady at Alliant Capital Management LLC XXXX XXXX XXXX XXXX She assured me that the matter would be resolved, but unfortunately, there has been no resolution to date. 
I sent an email to XXXX outlining the details of my dispute. I have not received a response. 
I have attempted to contact Alliant Capital Management LLC XXXX XXXX XXXX by phone at XXXX on multiple occasions, but my calls have gone unanswered. 
I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Ceasing and desisting all communication from Alliant Capital Management LLC XXXX XXXX XXXX. 
Any appropriate action to rectify the harm caused by their actions. 
I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (GA)

On XXXX XXXX, XXXX. I purchased a XXXX, and a XXXX, from the XXXX phone store in XXXX, XXXX. This purchase was done through Acima Leasing. On XXXX XXXX, XXXX. I started receiving emails from Acima, stating I was 1 day past due! This was Just 5 days after my purchase, they already had me in collections and considered late. I was not informed, by either party, that I would be charged in 5 day or that this XXXX would XXXX to over 100 % in 90 days. I did NOT agree to any of this. My first installment is supposed to be on XXXX XXXX, XXXX at a rate of {$77.00}. The 2 units, I purchased were priced at {$450.00} ( XXXX ) & the XXXX ( {$350.00} ) with a total of {$800.00}. Acima Leasing Balloons the {$800.00} to {$1900.00} in 90 days. I contacted Acima after receiving the email and told them that I wished to make a return because I did not agree to any of this, nor to this amount. A particular Acima agent is giving me a hard time. A woman named XXXX told me that she doesn't care if I want to return anything, because she's not letting me. XXXX stated that she was a Supervisor and that she was going to make sure no one else could help me I told her I am going to report her and she stated she did not care. This was today, XX/XX/XXXX, at XXXXXXXX XXXX. Yet, I have an email from Acima, stating that I have can return any Item, at anytime, WITHOUT any penalties. As of XXXX, Acima prematurely attempted to charge my account. This lending practice outrageous and seems to be Predatory and a Scam. I do not understand why they are refusing to let me go. None of these 'post purchase ' practices were discussed or agreed upon. I am being XXXX  into staying here.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I opened a checking account at Truist. I deposited {$25000.00}. This was for a XXXX account ( XXXX ) on which I am the sole owner. 

On XXXX they sent a letter saying they were going to close the account and there was a fraud investigation. 

On XX/XX/XXXX I went to the branch to check on the status of my account and was told that there was a security investigation for possible fraud and that the bank was closing my account and terminating the relationship. 

I filed a complaint on XX/XX/XXXX with the bank. 

All the bank will tell me is that there is an investigation and that I can not access my funds. It has been almost 2 months, I am going to be evicted. 

At no point did the bank contact me for information nor the issuer of the check. The issuer actually sent me a copy of the cancelled check. When I call the bank, I can get no information on when I will get my funds or what they are actually investigating.