davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2024 I filed a complaint with all 3 credit reporting agencies and only XXXX has removed the item in dispute that was being reported within my consumer credit file. Transunion and XXXX have not responded in a timely manner nor have they removed the disputed fraudulent account from my consumer credit file from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It has been past 30 days on XX/XX/2024. Therefore this disputed information in complaint # XXXX should be immediately removed.
Consumer complaint received 2024-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

I can not log into my Loan and pay my mortage. None of the sites work on smartphone, Laptop or desktop. I tried using XXXX XXXX and XXXX and nothing. Says error when I enter the code they texted me. When I entered it in correctly, Very frustrating Also they sent me an email saying that I was hacked from the dark web from my account.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

The company consistently changes information on its page, including due dates and anticipated payment amounts. Each time I access my account it says I am in a different repayment program and have a different due date. I have made various payments and not all of the money has been applied to my loans. It also hasn't been applied to interest or fees- the money just disappeared. As an example, I made a payment of {$1500.00} in XX/XX/2023. The payment was confirmed and {$1500.00} was taken from my bank account. Nelnet only applied {$920.00} to my account. I asked for additional information and have received no response as to where my money went. They effectively stole over {$500.00} from me. I also believe they are miscalculating interest. Interest is compounding at an alarming rate and higher than the annual rate agreed to. Despite making substantial payments since interest started accruing, they have charged more than XXXX XXXX in interest. The calculations are inconsistent. Nelnet has ignore all requests for information.
Consumer complaint received 2024-04-23
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. (GA)

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. 

Account Name : XXXX XXXX BANKRUPTCY Account Number : XXXX and list of Inquiries. 

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 2024-01-19
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: Exeter Finance, LLC. (KY)

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and XXXX and no resolution. I have disputed this account directly with the creditor, Exeter Finance and no resolution.
Consumer complaint received 2023-11-01
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. (IL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (OK)

We purchased a primary home with a loan through united wholesale mortgage. No issues until recently. They have been charging us for a full tax escrow which is no issue. However taxes are due in full by XX/XX/XXXX. United wholesale didn't pull the taxes to be paid out of our escrow account and I have been calling and asking why for XXXX weeks now. They have given me XXXX different completion dates. XXXX was XX/XX/XXXX. XXXX was XX/XX/XXXX. Third they recently said XX/XX/XXXX. Most recently I had a long talk with a representative said taxes will be paid and fixed by XX/XX/XXXX. Today is XX/XX/XXXX I called and Talked to a rep who stated it was sent to their internal tax payment department and they dont know when it'll be paid. So here we are getting more fees against our house and our property is being put in jeporady because these people cant figure out how to pay the tax bill. Im sick of every rep lying to me and giving me a false date and no one knows when it'll be paid.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MN)

In XXXX of 2022, I took out a loan. I tried to set up payment plans and they denied my ability to change payment status. Now, my credit report has this information and I have negative impacts on my credit report. I asked for accurate reporting info and did not receive it. This was in XX/XX/. Interest continues to incur and I've tried to dispute with XXXX but these issues have continued to impact my credit.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: World Acceptance Corporation (TN)

Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

Hello I deposited my son 's XXXX check into my account at Chase Bank in XXXX and have yet to receive the funds. They first told me that my son needed to come into the branch to verify that he gave me permission to access the funds which we did In XXXX. After we went into the bank we were told that we would receive a Chase cashiers check within XXXX day 's but we did not, They then told us that they needed to do a phone verification with my son But we've tried XXXX different times with multiple different phone numbers and they claim that none of these numbers are coming back registered to him which is not the case. We've asked numerous times for A alternative method and we haven't been given XXXX as of yet.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX check stolen, washed and cashed. Not sure when There is no time stamp. Truist denied reimbursement of monies stating time framework on XX/XX/year>. Truist case number is XXXX. My business office continued to work with Truist to no avail. Police report with XXXX Police Department started on XX/XX/year> XXXX assigned. Nothing resolved and Truist continues to deny reimbursement. I have copies of everything. Amount of check is XXXX.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I called to speak to an employee about flights I had booked through their website with an employee from what they stated the flight wasnt accepted because one of the charges got declined. I had made a payment. The payment was processed and complete on online. It showed the payment had been processed complete that I had an available credit and that my balance was XXXX I spoke to Employee asking them for a reason because when the payment is processed either, its all available or none of it is available. Employee stated that only percentage was available the way they handle the situation. They didnt care and they were nonchalant about everything. They pretty much told me to just wait and just, it is what it is. There was another employee on the line as well that was listening to the whole conversation. The employees name that I want to file a formal complaint about is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I opened a checking account with Citi on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I deposited a check for {$1600.00}. 

The check was cleared and my new account balance was {$1600.00}. I never withdraw any money from the account while it was open. 

On XX/XX/year> I received a letter from Citi stating that my account had been closed and no reason was provided. Also, in that notice they advised that my account/funds were frozen. 

I have been calling them multiple times to get the balance on the account but their Fraud department is now handling the request.

They argue that since the check deposited was issued from a Business, the business representative needs to call them to verify the check. The check issuer has called them more than 10 times and has verified the check. 

Today, Citi told me the check issuer needed to contact her bank, XXXX, to file for a Hold harmless claim. The check issuer talked to 6 different agents at XXXX and got the same answer from all of them : that XXXX can not file a Hold Harmless claimsince the check was already deposited and cleared in my Citi account. 

Its been more than 40 days since they closed my account and I have not received the refund for the balance on the account.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts.

Bank of america have violated the truth in lending act, Regulation x, y and z.

They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX  years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it.

they have violated my rights, and my privacy without my written expressed consent.
Consumer complaint received 2024-04-23
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. (GA)

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX my roommate and I contacted Freedom Mortgage about completing an assumption because she was moving out. We are both owners of the loan and she wanted her name to be removed. They ignored us for two months and then told us to contact them by email with a request. When someone finally called us in late XXXX, XXXX they told us what to do, and we did it. We didn't hear anything back from them and on XX/XX/XXXX, we sent in a request to start a forbearance. When I asked again about the assumption process I was told that since I requested a forbearance I could no longer assume the loan and once the forbearance end we can start the process. Every time we called we were told something different. We got approved for forbearance in XXXX, XXXX and we were set to come out in XX/XX/XXXX. We did exactly that and the balance at the time was {$10000.00}. We received a letter on XXXX from the underwriter and nothing after that. I called Freedom Mortgage at least XXXX times a month and sent emails because we didn't receive paperwork about coming out of forbearance. In XX/XX/XXXX the balance was now XXXX, after multiple attempts to get answers we were told that the underwriter messed up some numbers and that our paperwork had to be redone. ( which meant no assumption ) We finally received our paperwork on XX/XX/XXXX and the balance was so high because of THEIR mistake that we were forced into a modification. We now have a deferred balance of XXXX. The company the balance went to in Oklahoma  is a company that doesn't answer the phone or emails and has no website. I was approved for funding on XXXX XXXX by the Texas  Homeowner assistance program they called Freedom mortgage a couple of times and they never sent the proper information and never responded to me or THAP and untimely I got denied for their lack of response and was forced to pay into the only option which was a modification for XXXX. I've tried everything to achieve an assumption and each time it was always something. I asked about paying the XXXX balance because that was the original end date and I keep getting told that I can't do that. They aren't doing anything to help me and all I'm asking is to have something that's already mine.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX 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 an 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my deep concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during today 's attempt to remove fraudulent items. Failure to address these issues promptly not only compromises the integrity of the process but also undermines the trust. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I'm the co-signor on my daughter 's loan with Sallie Mae and she is currently on a re-payment plan with them ; however, Sallie Mae continues to call me for collection on the loans. Sallie Mae has also made phone calls to some of my relatives discussing payments needed on these loans. Now, Sallie Mae is stating the total debt is due and must be paid to them. I'm unable to pay the total debt amount. Even the payment plan that my daughter is paying them is a very high amount for a college grad.