davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet -- # 1 -- Can not contact to ask questions about how my loans are being handled. Even when I am able to contact the rep is not able to answer the questions. Most times I am on hold for XXXX minutes and the system times out and hangs up on me while I am on hold. 
# 2 -- When trying to contact yesterday the phone number listed for Customer Service on the Nelnet website directed me to a Marketing Company promoting a {$100.00} gift card if I allowed them to mail me information. I told the Rep I WAS NOT interested in a gift card. 
The Rep to could offer no information or a number to talk to Nelnet about questions on my account. 
# 3 -- I have 16 loans on XXXX children now being serviced by Nelnet. They pay their own and i have their bank accounts on the payment website. Upon review of the payments that have been made all amounts are being credited to satisfy accrued interest and {$0.00} are being applied to the principal. Five of the loans are for my son who previously paid for 6 years through Fedloan.gov and had satisfied most of the interest and was starting to pay on the principal of his loans. It appears NONE of the history of payments was ever transferred from Fedloan.gov to Nelnet. 
# 4 -- Upon on review of the info on Nelnet about interest I found the statement that bluntly indicated " If you want any of your payments to go toward the principal of the loan, the only way to make that happen was to pay OVER the minimum amount due ''. 

I have been in contact with Nelnet and Fedloan.gov throughout the time when the loans were in Forebearance and my family is paying and HAS ALWAYS paid their loan payments on time. If our governing officials believe that this is the way to help people out, they are sorely mistaken. This system is broken in many ways. I have attempted to contact several organizations, including congressmen/women and even my state reps and GUESS WHAT -- all emails have bounced and phones disconnected.
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I applied for full PSLF in XX/XX/XXXX as I successfully attained over 120 qualifying months on all of my student loans. On XX/XX/XXXX, I noticed that my form was processed, however my qualifying counts reduced from well over the required amount to XXXX on each loan. According to MOHELA 's site, all of my payments made from XXXX to XXXX were ineligible as they claim I was in forbearance at the time. I was not in forbearance but was in repayment for that entire time, and I regularly submitted documentation to update my payment counts, showing that I had qualified months due to my payments. I was with XXXX and then XXXX during that time, however my loans were transferred to MOHELA just last year. My loans should be now eligible for forgiveness as I followed all required criteria, however it seems that MOHELA is stating I still need several years of payments as they are not counting any of my previous payments that were already approved. I have a document showing that all of my loans were qualified on MOHELA 's site prior to this update that may be shared, if needed.
Consumer complaint received 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated 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 furnish a account without my written instructions.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (FL)

Im an authorized member on my husbands credit card with US Bank. Since I have been added as an authorized user I have received a credit score. Recently in XX/XX/XXXX there was a missed payment on the credit card which resulted in US bank not reporting my payment history to the credit bureaus. I had a credit score in XX/XX/XXXX and then starting in XX/XX/XXXX my score was removed. I contacted US bank about this 5 times but nobody is able to explain what is happening or what the solution for this would be. I sent a letter to the banks dispute department but they only responded to confirm that my information is not being reported to the credit bureaus, no fixes, no updates or anything. Currently I am still an authorized user but the bank is still not reporting to the credit bureau on my behalf
Consumer complaint received 2023-06-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-28
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. (AR)

I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to TransUnion and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the written confirmation for the removal of these items in my account? Please investigate properly and remove them all from my personal credit file. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Charges for my purchases were shown pending on my chase checking account and my balance was reflecting these charges being taken out. A week later, my account was overdrawn. But the night before, my account was at a positive. Those pending charges from a week ago were the reason for the overdraft and resulted in 4 overdraft fees. Chase stated this was due to the pending transactions that expired so it was removed from my account and they posted to my account was merchant charged the transaction. I explained to chase that it is not fair to be charged overdrafts when we were not given the opportunity to correct the negative balance. I was unaware these charges disappeared from my account. If I knew my account would be at a negative balance, I would quickly deposit money to my bank account to avoid any overdraft fees. Instead, you are not give an opportunity to fix the negative balance. You are just surprised to see charges posted along with overdraft fees. Understand chase has no control when merchants posts transactions but neither do we, the customers. Chase said I should keep better track of my transactions but I 'm relying on my bank to do that for me. If I have numerous transactions, how can I know when some of those charges disappear? Chase should be helping customers keep track of their finances, not swindle us to make money. They should allow a grace period for now posted charges for expired pending transactions to give us time to fix negative balances if they should arise. How can we keep track of our account if we see a positive balance the night before and get hit with overdrafts the very next day. This is unfair and should be illegal. It sounds like a scam that banks should not be allowed to do.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (NJ)

I am writing to bring to your attention a matter of ongoing concern related to a previously filed complaint XXXX XXXX XXXX XXXX XXXX XXXX  against United Auto Credit . Regrettably, the initial complaint remains unresolved, and I find myself compelled to escalate the matter. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802, I, as a federally protected consumer, hereby formally declare my decision to opt out of any and all authorizations I may have given United Auto Credit, encompassing written, unwritten, verbal, or nonverbal agreements. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this issue and ensure that United Auto Credit complies with federal consumer protection laws. My primary objective is to terminate any existing authorizations associated with my account, and I seek your valuable assistance in expediting the resolution of this matter. 

Thank you for your prompt attention to this pressing concern.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

American Express was told not to send marketing advertisements or solicitations to me. American Express continues to contact me about accounts and new applications. I have registered with the Do Not Call, made specific email and address opt outs, and I continue to receive solicitations
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..
Consumer complaint received 2023-12-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: Peer Advisors, LLC (NE)

My grandma passed away and XXXX XXXX XXXX XXXX  I know that my grandma had a reverse mortgage attached to her house and so I first start communicating with my grandmas reverse mortgage company back. Then I asked for appraisal and they refused to communicate with me and I, when I finally communicated with me I asked for a second appraisal they was gon na give me a short sale for {$30000.00} but in the meantime Covid hit him and I didnt have the {$30000.00} to pay off my grandmas reverse mortgage, but I did file a complaint for the lack of communication and off the record. They told me that they are not trying to kick me out of my house And so I did not do anything more in the meantime XXXX XXXX XXXX XXXX XXXX XXXX at a house fire and so my insurance company finally settled my claim so I start communicating with the reverse mortgage company again to pay off my grandmas reverse mortgage with the proceeds from my insurance company OK and I sent my second or third complaint I filed against this reverse mortgage company and because they refusing to give me an appraisal. My grandmas house when I live in it the last appraisal was {$30000.00} my grandma and then I could live in the house at that time. OK theyre trying to get me to pay off {$86000.00} reverse mortgage of my grandmas because its been out of a year been longer than a year and Which is fine OK but I can only violate the rules they allow me to violate the rules, and they violated their own rules by getting me to live in my house for as long as I did it to have a house fire, and to begin with the rules only applied them OK when its convenient for them when they can get more money out of me thats unfair. I shouldve never been allowed to live my house for that long to have a house fire. Therefore I feel that I should get my appraisal and I shouldnt have to pay off {$86000.00} reverse mortgage OK for a house thats inhabitable I want to be able to. I will have nothing left to fix my house or do anything with my house at that price
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (OH)

I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX 
ACCOUNT # - XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have a Wells Fargo Debit Card. I took out {$60.00} from an ATM. There was a {$3.00} fee for taking money from a non-Wells Fargo ATM. However, Wells Fargo has also hit me with a {$2.00} Non-Wells Fargo ATM Transaction Fee and another {$2.00} NON-WF ATM BALANCE INQUIRY FEE. That totals {$8.00} in fees for taking cash from a non-Wells Fargo ATM.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at XXXX.
Consumer complaint received 2023-12-16
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.
Consumer complaint received 2023-12-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

I previously filed a complaint with you and the XXXX  with regards to TJX/Synchrony about a promo they offered. The geniuses on the phone and chat were no help. Synchrony responded that I would receive the offered {$5.00} rewards on XX/XX/2023. The rewards-per the offer was {$10.00}. I reached out to XXXX  and advised them that as expected, Synchrony would not follow through with the promotion. The rewards are NOT here as promised per the attached. The CFPB seems to allow financial institutions to misrepresent the status or promotions which in essence is FRAUD. My {$10.00} reward is due TODAY. My terms and conditions going forward are a {$25.00} a day LATE FEE.