davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/2023. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

There are a couple of issues. When my mortgage ( by XXXX XXXX ) was sold a past due balance was transferred to the new mortgage company ( Nationstar Mortgage ). I spoke to Nationstar and was told repeatedly that this balance was part of a forbearance that the XXXX issued but all of the information had not been sent over yet. When it continued to appear on my statement I called and called, waited long periods of time to reach a person, having that person ask if they could place me on hold while they reviewed the account and made notations at which time the phone would begin to ring again and another person would answer and ask if they could have my loan number. This happens, at least, 4 times during each call until I am forced to hang up. In addition, they have tacked on a large amount for insurance they claim to have not been able to verify. This is incorrect. XXXX advised they sent over the insurance information and my insurance carrier said Nationstar could see if there was coverage on the home. Nationstar charges {$9.00} to make an online payment if the payment is made after the last day of the month regardless if the payment is past due or not. Past due payments are charged this fee plus a late fee. If the payment is made via phone the fee is {$19.00}. I have paid additional monies on several of my payments trying to put the mortgage a month ahead in order to avoid the online payment fees. Each month the overage is applied to the principal. When I have spoken with Nationstar they say that 's just the way it is and ca n't be undone. Their advise is to note it when I make the payment but there is nowhere to make this notation.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-09-24
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (PA)

On XX/XX/ Ocwen Loan Servicing added {$12000.00} as a deferred principal from a Loan Modification. They were sued in Class Action Law Suit for taking advantage of consumers like myself. Is there anything you can do to help me in this situtation? Any assistance in this matter will be greatly appreciated. Thank You in Advance. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Google Compare Credit Cards Inc. (CA)

Google gets updated credit card numbers from bank without my authoriization. 

I changed my credit card number and kept the same bank. 
My bank sent Google my new numbers without my authorization. 
I charge {$25.00} a year for my Google domain name. Google no longer owns my domain because they sold it to XXXX so there is no need for them to have my credit card number. 
I tried to remove my credit card from Google and it will not let me. Although there is no reason for them to have my credit card since I am not buying anything, they will not let me remove it. I need to give them another credit card to replace it if I want it removed. 

1. I have never had any credit card automatically updated by a bank after changing it. I always need to go in and add my new card to the business to continue auto pay. I thought this was illegal. 

2. Google is not allowing me to remove my credit card from their business when I owe them no money. I thought this was also illegal.
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

**Please note, this is NOT a duplicate request. The SAVE application has now been processed BUT extra interest has been charged due to Nelnet 's incompetency. This is not a duplicate request but an issue with interest, not my SAVE application** Background : I submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever. I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. I called Nelnet customer service multiple days throughout late XXXX, averaging 2.5-3 hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX USD/year. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX USD and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. In the first complaint I sent ( XXXX ), the issue with the application has been resolved. 

**NEW ISSUE** : However, because Nelnet took so long to respond, interest accrued during this time when- if my application was processed in due-time prior to payments restarting- I should not have gained ANY interest on my account in accordance with the SAVE plan. Due to Nelnet taking many months to respond to my issues and ignoring any emails and phone calls, I accrued over {$300.00} in interest during this " admin forbearance '' time when I followed all procedures and policies set forth by the federal government in regards to loan repayments. I demand that Nelnet wave the $ XXXX interest accrued during this period as it was their fault and delay that caused this interest to accrue, not mine.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have been consistently marked delinquent on my account since XX/XX/2023. I did have rejected auto payments going to a checking that had fraud alerts after my ID was stolen. I made the payments manually to make up for those before the XXXX day mark. However, after getting the credit alert, I was made aware that I was being marked late. This was surprising because I either call or go online or both before making a payment to be sure I have the correct amount. This has happened the last few times Ive spoken with them. I get XXXX  amount from the rep or the portal online and then another after the payment has been processed. I just spoke with a supervisor last week that assured me I had the correct amount and now I received a call today saying I am late and owe XXXX times more than what shows online. I at requesting that someone listen to these tapes and look at the chats to verify what Im saying because Im likely not the only person dealing with this.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have XXXX original Certificates of Deposit and I did not redeem them. I have an IRA and XXXX Certificates of Deposit that were in my Huntington bank account in XX/XX/XXXX but disappeared and were not in my account in XX/XX/XXXX. There were no interest statements for any of these accounts reported to me or the IRS. There was no reason for me to take out the IRA because I was not allowed to have an early withdrawal from that account without paying a penalty on it. I asked for a letter when these funds went to the State Unclaimed Property. I have talked, or have tried to talk to XXXX different banks about the situation but they have not given me proof that I indeed was the person that received the money. I was told by a bank representative that they saw a {$5000.00} withdrawal in XXXX but they could not find anything about the {$8000.00} or {$2000.00} Certificates of Deposit. Huntington Bank Administration have been telling me for the last year that they don't have records that are over XXXX XXXX XXXX. They will not prove to me that I got my money thus indicating to me that I will never see the money. They were not willing to indicate that they could see the {$5000.00} withdrawal from XXXX or that they have older than 7 year records. Bank administrators have been lying to me. They have records for the 4 Certificates of Deposit and the IRA and I need to see the signatures that I indeed got the money. I am the only signature on these accounts. A bank teller recently gave me the monthly bank statement reports of the IRA and XXXX more C.D. 'S certificates from XXXX. A bank manager suggested that I may have had the money taken because the Huntington Bank did not get a new address for me when I moved from XXXX XXXX to XXXX XXXX in the fall of XXXX. I want to know who got these funds which total {$28000.00}. That is a lot of money to me. It is either retirement money or it is money for my sons as I requested on the original papers. There is nothing in the papers stating that I needed to take my certificates of deposit out of the bank by a certain date. I get told by the administration of Huntington Bank that there were no records for any of the money because after 7 years the records are gone and I thus loose the money after 7 years. I never knew that a citizen of the United States could loss their money at a bank while they were very busy working to pay daily living expenses for their family.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX  account payments XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-10-30
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEM. IN COMPLAINT NATIONAL CREDIT SYSTEM states that this account has been charged off. I have never given NATIONAL CREDIT SYSTEM any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX ). I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. 'XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe NATIONAL CREDIT SYSTEM ANYTHING I have reason to believe that NATIONAL CREDIT SYSTEM is choosing to share this non-public negative information to my consumer report with fore thought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. 

I DEMAND THIS ACCOUNT TO BE UPDATED TO PAID AS AGREED OR REMOVED FROM MY CONSUMER REPORTS OR I'LL BE FILING FOR LITIGATION AND DEMANDING {$1000.00} PER VIOLATION. 

XXXX XXXX XXXX - account # XXXX
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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  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 2023-06-21
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2023-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus , TransUnion , XXXX and XXXX . I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last three months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as TransUnion, XXXX and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

A fraudulent capitalone account was opened in my name inXX/XX/2022 acct # XXXX the contact information phone number adress none of it belong to me I disputed with the credit bureau and the creditor capital one I filed a police report identity theft report sent this information certified mail to prove this crime took place I then called to check on the progress of having it removed from my account spoke to 4 people before being told they were not going to remove it from my credit report when I have submitted everything required by the federal law and Fair Credit Reporting Act capital one still refuses to remove this item they are in violation of the Fair Credit Reporting Act
Consumer complaint received 2023-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

Tried to reach VENMO for months now, today XX/XX/XXXX chatted online as they refuse to call you for help. If you dont have a computer or latest tech they refuse to provide assistance as they need service for any individual and issues are not always noted on their chat as with my situation. They are constantly running scams to keep customers funds by telling them to go online when u have no options to transfer funds or get access to funds. They have been holding XXXX of my money for over 3 months and refuse to assist but send useless auto messages pertaining to something different. I want access to my money immediately, when I try to transfer the option doesnt come up, or I will get a message wrong code as its not. They refuse to assist. The ph no they give u is useless and nothing but a reject recording to take u right back to chat or email. COMPLETE SCAM