davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I currently have federal student loans with Nelnet. Im still in XXXX XXXX  in XX/XX/XXXX and my loan payments arent due until after then. On XX/XX/XXXX they charged {$170.00} to my account I have on file for autodebit payments. When I noticed on XXXX I had to wait on hold for XXXX hours where a rep informed me not only did she not know why that money was charged to my account, but theres not even any record of it so it wasnt even applied to my loans. So nelnet is just stealing and pocketing money from students. I then asked to speak to a supervisor who advised me to upload photo evidence of the charge from nelnet to my account with my acct number and a brief summary on the situation to my nelnet documents and then someone from nelnet would eventually reach out to me regarding it. I uploaded that right away and 16 days later still no contact from them. I call again and after XXXX more hour on hold they tell me they can request for the refund but it can take XXXX weeks to be issued. All I asked from them then was an email stating that a request was submitted for my refund, she couldnt do that for some reason so I ask for a supervisor, she gives me the same answer. Their customer service hours are so limited and wait times are so long I barely even have the time to call them between working full time and going to school.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OK)

I have called Aidvantage each month since XXXXXXXX XXXX XXXX for failure to send me and my wife, XXXX XXXX XXXX, any billing statements. 

The first two months we were set up to receive the statements electronically, but they failed to send them, even though they claimed to have sent them. We searched every folder and they were no where to be found. Because of this we both changed to receive all correspondence by mail. The first month of change, XX/XX/2023, my wife received a statement. However, since then neither of us have received any mail from them. We had them read the address on file when we changed it and I confirm it every month when I call them. We also know they must have our address on file because prior to payments resuming we would receive notice of our balances in the mail each month. 

When I called them this month the servicer rep told me I had opted to receive items electronically and she would need to change them back so I could resume receiving items by mail. I have not opted into anything electronically since telling them to deliver anything by mail so I can have a physical copy.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XX/XX/XXXX I was cut a check in the amount of XXXX ... I wasnt thinking due to the fact that bills where passed due and Ive never had problems with this before I downloaded the banking App to deposit said check normally my bank in the past has granted me some money available but they didnt. On the next business day which would have been Tuesday the XXXX I called my bank and they told me I had to wait till it was done processing to have the deposit canceled as I needed money to pay bills. As expected my phone got shut off and the insurance lapses as well and I almost lost power due to Bank Of America neglecting to properly advise me. Since I also bank with the same bank the check was written from I asked if they had cleared it. I had been robbed two days prior and now I had another issue trying to get a state ID. Little to my surprise I recived back pay from another job and a new bank card as I went to try and cash them I ran into another problem apparently fraud had take. Affect and Bank of America neglected to inform me once again that they locked my card becuase of this now I was in panic and worse off then before. I called the number they asked me to call and asked them to unlock the card they placed me on hold over 2 hours before I hung up and called back again I did this several times before I lost it and profanity came out while on the phone with a representative. By gods good grace my other bank cleared my checks and I was able to pay said late bills with penelties. Now Bank Of America said they will hold my funds till the XXXX due to fraud in the area I live in. Thats fine but not understandable considering my other bank already released the funds and now my bank card through Bank of America has to be canceled. So now I dont have a bank card Im planning on closing my account but I fear they will not give me whats rightfully mine if thats the case I will place a new complaint
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (MO)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: MOHELA (WV)

I have been working with Mohela since XX/XX/XXXXXXXX  to get my student loans forgiven. They did not provide services as promised, ( but that is another story ). The issue I am most concerned about is that on XX/XX/XXXX, I was informed by them my 120 payment requirement was fulfilled and now I have a XXXX balance. My letter also said it could take up to 3 reporting cycles for the credit reporting agencies to be notified. It is now XX/XX/XXXX th, and my credit report still shows I owe on these loans. I have disputed this with the credit reporting agency, and nothing has changed. I actually received a higher interest rate on my Mortage and should not have because they had not reported this. Never the matter, I would just like this resolved and removed from my report. It is very difficult to get in touch with them. You have to stay on hold for over an hour and can never talk with a supervisor.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NV)

Hello, Hope all is well. I recently made payments to bring my vehicle loan payments up to date. Reasons for me being late last year was due to XXXX XXXX XXXX XXXX and the reasons behind this year is due to my vehicle being a lemon. The vehicle is currently going through a court process because of numerous defects on the vehicle and many recalls.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX engaged XXXX XXXX XXXX or XXXX XXXX XXXX in XX/XX/XXXX for managing and producing their XXXX annual expo in XXXX XXXX, FL. Throughout XXXX, substantial funds were provided to ensure the event 's success. However, the agency neglected to disclose their relocation outside Florida. XXXX XXXX XXXX, the co-owner, declined to furnish invoices detailing fund allocation when queried. A week before the scheduled event XX/XX/XXXX, the agency vanished, reappearing briefly just before XXXX XXXX XXXX announced the event 's postponement. Three days before the rescheduled date ( XX/XX/XXXX ), the contracted company canceled, breaching their obligations. Attempts to recover funds from Bank of America yielded partial notices, stating their inability to recover the funds and advising contact with the company. Despite XXXX XXXX XXXXXXXX XXXX attempts to resolve matters, no resolution was achieved. Complaints were filed with the FBI, FTC, and local authorities. The next steps include seeking legal counsel and pursuing a civil lawsuit against both the agency and Bank of America. 

XXXX Claim References : XXXX XXXX XXXX DEBIT Claim Reference : XXXX
Consumer complaint received 2024-02-07
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. (TX)

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

on XX/XX/2023 I had submitted a complaint against midland credit management in regards of ceasing all communications however, they have continued to communicate with me which is a clear violation of the Fair Debt Collection Practices Act. The FDCPA states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and midland credit management has started to report this alleged debt to my consumer report which is an indirect medium. It is clear that they do NOT intend to follow federal law. Additionally, I have been receiving threats of litigation from this company which is an additional violation of the FDCPA as it states that debt collectors can not bring or threaten to bring legal action to consumers. I am very angry with this company and I am seeking remedy. If and when this continues I am prepared to litigate as they do not have the right to collect on a transferred contract that I did not endorse with midland credit management. If they truly believe that their purchased contract is valid then I require that they send me the entire purchase agreement not just the bill of sale and I also want proof that I had endorsed a contract with midland credit management using a wet ink signature. If they can not provide this, I demand this company to cease harassing me with their predatory tactics. I demand compensation.
Consumer complaint received 2022-10-26
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)

TransUnion. XXXX and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I willfully surrendered my vehicle to my bank ( Truist Bank ). I've called for months trying to get them to come get it, they still haven't. They charged my account money for the auto loan ( without authorization ) which according to them, since it's being repossessed, they should not have done. I have tried filing a reverse funds claim, I have called for 5 days now and anyone I speak with says that they submitted my claim and should be getting a call in one-two days. I still have not received a phone call or any correspondence from the bank. I have called the auotloan department three times and a local branch twice. My account is overdrawn, it went in the negative when they took over {$500.00} without my authorization and it keeps getting hit with overdraft fees. Over {$100.00} so far in overdraft fees. For four days now I have not been able to get gas, my medication, food, nothing. And they are straight up lying to me about the issue being handled. I was told by one person it WOULD be reversed but it would take 1-2 days. It's been five days.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I took money out of my IRA account from XXXX XXXX XXXX XXXX on XX/XX/XXXX. It was {$3000.00} and I planned on putting the money in Fifth Third Banking. It was a cashiers check and I was planning on paying a credit card. I deposit the check at Fifth third the same day. My account is blocked for over a week and they terminated it.
Consumer complaint received 2022-10-26
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

On XX/XX/2023 I withdrew a {$5000.00} check from my Federal Credit Union and personally deposited it into my KeyBank checking account at the KeyBank XXXX, New York branch at XXXX am. I received a deposit slip ( XX/XX/2023 - XXXXXXXX XXXX  - CC # XXXX - Teller : XXXX - XXXX # XXXX ) showing that I had an available balance of {$9700.00}. I already had {$4700.00} in my account + {$5000.00} = {$9700.00}. 

At XXXX XXXX I received an email from KeyBank saying that a hold was being placed on my deposit due to " reasonable cause to doubt collectability '' ( from a FEDERAL CREDIT UNION ). 

Unbeknownst to me, not only did the XXXX branch place a hold of {$5000.00} but the " back office, '' so it was explained to me in my fifth call to KeyBank, also placed an additional hold of {$5000.00}, thus placing a {$10000.00} hold on my account and depriving me of access to the {$4700.00} that was there to begin with. 

I tried to correct this bank error on XX/XX/2023 and received helpful assistance from a XXXX branch Personal Banker named XXXX, who tried to get the hold lifted. I also called the credit union and that employee also spoke with XXXX. 

On XX/XX/2023, I looked at my bank statement online and found that I was being charged a {$20.00} overdraft fee for payment of a {$30.00} check. I called the branch office and was rudely attended by the woman who answered the telephone, who eventually forwarded my concern to the branch manager, XXXX XXXX. XXXX XXXX explained that the overdraft fee was due to insufficient funds in my account, but finally agreed to waive the {$20.00} overdraft fee. 

Then, I received another email from KeyBank telling me that my account had insufficient funds. When I again called the KeyBank XXXX number, I was able to talk with a woman named XXXX who discovered that not only had the branch placed a {$5000.00} hold on my account but that the " back office '' had placed an additional {$5000.00} hold on my account, depriving me of access to the {$4700.00} that was in my account to begin with and making it look like I was overdrawn. 

This was TERRIBLE, TERRIBLE, TERRIBLE SERVICE from KeyBank!!!
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (LA)

In the month of XX/XX/XXXX  I got a letter taped to my window of my home from a third party company that Mr. Cooper hired to do a home inspection unbeknownance to me I called the company on the letter XXXX XXXX XXXX to find out and validate this notice as it seems as a scam. When I called they never provided me with information only that they were sent out by my mortgage company. I contacted Mr. Cooper for validation and clarification to no regard the representatives would not provide me with information. On XX/XX/XXXX  the " inspector '' from XXXX XXXX XXXX broke into my home through a side window gained entry into my home and placed these index sized slips throughout my home of it being winterized. My neighbors witnessed the three XXXX  men in my back yard and leave my home taking my generator. I filed a police report and contacted my mortgage company Mr Cooper in the presence of the officer and with the phone on speaker phone during this time I was made aware that Mr. Cooper hired this third party entity and never communicated anything to me which has cause mental anguish to my family also a safety concern. I have extensive damages to my property and I no longer feel safe in my home due to Mr. Cooper illegal unethical practices to borrowers. I am a participant of the Louisiana Home Owners Assistance fund and the company have made payments on my account to date Mr. Cooper refuses to apply to bring my mortgage up to date. I have mailed in payments by money order and the company takes weeks to apply it towards my account. Have money order dated receipts and I am seeking assistance in this matter. This has caused me a lot of distress.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.