davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX date opened XX/XX/20XXXX XXXX
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home 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. (TX)

Mr. Cooper Mortgage issued a check for my escrow overage but it was lost in the mail so by the time I finally received it, the check was over 90 days old and was expired. I called Mr Cooper to request a new check and the representative I spoke to assured me I would have one within 30 days. That was in XXXX of 2023 and I have yet to receive a new check. Mr Cooper has since transferred my mortgage, so now when I call, it does not give me the option to speak to a live representative. Im directed to call my new loan servicer, so this is extremely frustrating. I have tried using the online chat feature but keep getting a message stating it is unavailable at this time. Im just needing assistance in getting in touch with Mr Cooper to get a new check cut as I do need those funds to make up for a shortage I now have in that Escrow Account.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC. (TX)

Exeter finance is the company that I complaining about. I have been going through financial hardship. I currently being harassed every day for a payment, and I have told them the hardship. I have also told them I am currently using my car to make money to pay for my expenses. I have even asked to redo the loan agreement, They have harassed me for 3 months straight every day for a payment. I have told them that I have been going through a Financial struggle. So they decided to repossess my car. I would like to know is there any thing I can do to get my car back. They are asking me to pay XXXX dollars in order to get my car back.
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Empire Home Loans, Inc. (WA)

My wife and I worked hard applying, communicating, and getting the insane amount of documents submitted to XXXX XXXX to be preapproved for a home loan. I was preapproved and soon after, on XX/XX/XXXX with XXXX XXXX with Empire Home Loans, I was excited to put an offer in on a home. It was a perfect fit for my wife and XXXX XXXX XXXX daughter. I sent an email that night on XX/XX/XXXX. I didnt hear anything and didnt want to lose the house so I sent a text in the morning of XX/XX/XXXX. She then sent me an email saying she received my email after XXXX and text, and that my wife and I should seek out a different lender and it was a pleasure working with us. She dropped us the moment I wanted to put an offer in. I have the entire email chain and screenshots. The loan preapproval was for XXXX. I begged her for mercy since she was the only person we applied with and had our entire portfolio which was truly so much work to get put together. She sent a follow up email laying groundwork on what we can do to continue working with her. I didnt get the house , and sought out a different MLO. Its one of the most malicious things my family has ever been through.
Consumer complaint received 2023-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Nelnet is my student loan servicer. I was part of the XXXX vs. XXXX class action law suit. This case won, I was awarded {$45000.00}. Nelnet has taken this amount and applied it to my student loans. These loans were discharged. My wages were garnished in XXXX and XXXX and I made other payments. I am to receive a full refund for all payments made. Nelenet has deleted all of my payment history, statements ( only 2 statements show XX/XX/XXXX and XX/XX/XXXX ) and loan details. I attended XXXX XXXX XXXX Texas XXXX XX/XX/XXXX to XX/XX/XXXX, the school was fraudulent, hence the discharge. Nelnet won't give me a straight answer on how much my refund amount is? They have deleted federal documents which is against the law. I talked to the federal student aid customer service and was told Nelnet can get into big trouble for deleting federal documents, and they should not be able to delete any information on students accounts. Please help me get my refund and punitive damages. Nelnet is hiding and deleting nformation because they don't want to give students their refunds. I paid thousands and I only received a check in the amount of {$150.00}. I received a letter in the mail from Nelnet with this information. How will I know the real amount I paid since my payment history has been deleted? I have called Nelnet many times and I get a different answer every time. Nelnet can put in false information at this point since they have deleted my payment history and statements. I tried getting payment history through my bank but the bank only has statements available for the past 7 years. Nelnet needs to be investigated and made to pay my refund with punitive damages for their lack of integrity and fraudulent activity.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has reported a debt owed of {$3200.00}. I do not owe this company this amount and they fail to provide proof that I owe this amount to them. This was reported on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (NV)

when I call XXXXXXXX XXXX and ask the person answering the phone to look up my account over the phone that what I expect to happen. 

I don't expect to have the rude customer service person to ask me what the issue is before looking up my account. 

also XXXX XXXX should be available online by XX/XX/2024. 

I should NOT be receiving emails from XXXX XXXX to XXXX see attached pdf of email my email should only be XXXX XXXX
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CA)

I have been trying to get Online to see if my payment has been processed and the web site is gone- it will not come up. I made a payment on line back on XX/XX/XXXX which is my XXXX payment late - but themoney is still in my bank account has not been withdrawn and there is no web site and no one will answer the phone. I do not want a 30 day late on my credit and that will be XX/XX/XXXX. XXXX XXXX and the website is MYLOANCARE.com
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made an online payment to Costco Anywhere Visa credit card by Citibank. In the process, instead of intended payment amount of {$3200.00}, I mistakenly processed payment of {$32000.00}. I called Citibank and requested a refund, but Citibank has been extremely unreasonable. They tell me that it could take weeks for the fund to be cleared. The paying bank debited ( paid from ) my account immediately so I am puzzled by Citibank 's response. 12 days later, on XX/XX/XXXX, I called them again and after spending over an hour on the phone, one the Citibank managers confirmed that the {$32000.00} was cleared, and promised to expedite the refund request. Citibank could have contacted me sooner, and we could have called the issuing bank together much faster, but Citibank did not call me. On XX/XX/XXXX, I am told that the refund via ACH to the linked bank account has been approved. Right now is XXXX XXXX XXXX XXXX  on XXXX and Citibank has not yet posted debit transaction for refund in my credit card statement. Citibank constantly blames receiving bank, saying " it can take a few days to show refund '' when Citibank did not process the refund yet. The negative balance is {$24000.00} as of XXXX XXXX XXXX XXXX XXXX. I am beyond furious, and this practice is absolutely unacceptable.
Consumer complaint received 2024-06-25
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. (FL)

In accordance with the fair credit reporting bank XXXX act account # XXXX, has vioted my rights 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 funish a account without my written instructions
Consumer complaint received 2024-02-02
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 (MD)

Response ( XX/XX/2024 XXXX PM ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that American Express complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX American Express XXXX XXXX  Hello XXXX XXXX, It appears that I have one item ( XXXX credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Consumer complaint received 2023-09-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I contacted Navy Federal credit Union and negotiated a settlement agreement for a debt that I owe them. we agreed upon a settlement amount and it was printed out and faxed to me. When it was time for them to accept the payment they were informed that it was more money on the table and proceeded to dishonor the settlement agreement because they then wanted more money.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

A direct deposit was deposited into my checking account XX/XX/XXXX, at the same time my account was being closed, along with an outstanding claim. On XX/XX/XXXX my employer contacted me about the direct deposit which prompted me to contact Chase. Because on XX/XX/XXXX I was informed that the direct deposit would be sent back to the issuer. When I spoke to the XXXX on XX/XX/XXXX I was informed yes the check was sent back to my employer as of XX/XX/XXXX. I requested documentation to send to my employer and was directed to a branch. I visited the Chase branch at XXXX XXXX XXXX XXXX XXXX, and was informed that the check was actually sent to my home address. I informed the branch manager I never received it, and he gave me a phone number to call. I called the number and was informed the check was not mailed yet, it would be mailed on XX/XX/XXXX and take ten days. On XX/XX/XXXX I contacted Chase and was now informed that my funds are frozen because the outstanding claim from XXXX has not been resolved and to call back in three to five business days. I have been calling every three to five days being placed on hold for well over an hour each time with no resolution. I have spoken with several supervisors from different departments and no one can find the resolution just finger pointing. Its been over 60 days since this whole ordeal started and Chase is still refusing to release my funds or send me written documentation why.
Consumer complaint received 2023-11-24
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: Experian Information Solutions Inc. (FL)

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 of complying 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
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

my navy Federal checking account has been closed I'd like to open it again and take care of all matters regarding reopening account. If that isn't possible, I would like to reserve my rights to all security interest and have such funds to reflect in memory of my XXXX account.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, I signed up for a XXXX XXXX XXXX XXXX  scheduled on XX/XX/2023 at XXXX PM with Staying Alive XXXX. I then realized it was the wrong class on XX/XX/XXXX and I emailed them asking if I could get my appointment canceled. They replied telling me they could help me switch to a different class, but they didn't have the class I was looking for. So, I once again asked them to cancel my appointment- no response. On XX/XX/XXXX, they then emailed me back saying they could cancel my appointment, but " as per their terms and conditions, there are no refunds ''. When I placed the order for the class, there was no disclaimer or terms and conditions that showed up anywhere saying there were no refunds for canceling an appointment. In fact, I went back on their website and I still couldn't find such a policy. They then text me on XX/XX/XXXX at XXXX PM saying that my scheduled class was canceled due to low enrollments and wanted me to join their other class scheduled at XXXX AM instead. I have class at that time and could not attend. I don't understand why they can cancel a class due to low enrollment, but can't refund my money for a canceled class. My appointment was for the class scheduled on XX/XX/XXXX at XXXX PM, so if it was canceled, they should give me my money back. Since they refused to, I contacted my credit card company which was Apple Card with Goldman Sachs. I provided them information on what happened and after XXXX months, my dispute was denied. Throughout the entire XXXX month dispute process, not once was I contacted to provide extra proof or information. They only listened to the merchant and who knows what information they provided. Nowhere on their website did they have a refund or cancellation policy and I was notified of no such thing when I was making the appointment. In short, my scheduled appointment was canceled on the merchant 's end, but they refused to refund me and Goldman Sachs sided with them and refused to give me my money back. 

My previous complaint was closed with the company 's response stating that the evidence provided by the merchant shows that I agreed to their terms and conditions, but no such terms and conditions were provided to me when I scheduled the class. No such terms and conditions are displayed on their website, or when I purchased the class, or when I got the confirmation email. If you attempt to schedule another class right now, no such terms and conditions appear either.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021  that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from Fico credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from 2021  for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.
Consumer complaint received 2024-06-25
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. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/2024 XXXX
Consumer complaint received 2023-07-12
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. (OH)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or 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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments