davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

Hello, I applied to SAVE on XX/XX/XXXX with my loan serviced Nelnet. Nelnet customer service informed me that same application day on XX/XX/XXXX it would take at most 45 business days to process the application. In XX/XX/XXXX Nelnet customer service informed me that it would take another 30 days to finalize it, heck even suggested me to re-apply to SAVE on XXXX. I declined doing so as an agent from Federal Student Aid informed me that they have everything they need from me and that my XX/XX/XXXX application was valid. Nelnet kept applying an administrative forbearance to my loans, gaining interest with each passing day. No written or call communications. Each call hold-times has been on average 60-180 minutes. Fast-forward to XX/XX/XXXX I escalated the call as over 120 days passed, and after 120 days I had over $ XXXX accrued interest ( {$90.00} interest/day ). The Nelnet supervisor informed me that they will try to back-date the SAVE plan to begin on XX/XX/XXXX. On the following day my SAVE application was finally complete with Nelnet, verifying that all my loans now are in the SAVE plan. However Nelnet setup my repayments to begin at the end of XX/XX/XXXX rather than back-dated to XX/XX/XXXX. I called Nelnet again to inform them to back-date my interest to at least XX/XX/XXXX, and they informed that that unfortunately they can not do so because of " delayed processing times. '' I do not know what to do, but being responsible for ( {$10000.00} in interest by XX/XX/XXXX ) because Nelnet can not process an application in 120 days is unreasonable. The customer service rep also informed me that they do not know how Nelnet will track the government paying for the excess interest in the SAVE plan, if any. I am afraid, and at a complete loss of what to do. My interest continued creeping up to over {$13000.00} before enrollment in the SAVE plan at the end of XX/XX/XXXX. Remember, I applied to SAVE on XX/XX/XXXX. This is the third complaint of the same issue with Nelnet on Federal Student Aid, and I have had no written, call, or email communications to resolve this from Nelnet. 

Summary : IDR SAVE Submitted on XX/XX/XXXX. Switched finally to SAVE Plan by Nelnet by the end of XX/XX/XXXX. Problem # 1 I accrued over {$13000.00} in interest due to Nelnet processing times. Documentation and statements in my Nelnet account are not complete either to track the growing interest month to month, dating back to XX/XX/XXXX. Problem # 2 I continued acruing interest rate despite being in the SAVE Plan with XXXX XXXX/month payments. First complaint originated on XX/XX/XXXX and second complaint originated XX/XX/XXXX. Third complaint on XX/XX/XXXX. I need all of this interest waived, and documentation to be on point month to month, at least dating back to XX/XX/XXXX.
Consumer complaint received 2022-12-21
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. (CA)

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I, XXXX : XXXX on behalf of XXXX XXXXPrincipal notified XXXX XXXX XXXX XXXX  of Capital One Bank by certified mail XXXX XXXX XXXX instructing him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. I informed XXXX XXXX that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. My account was immediately closed, and my instructions were refused. 
I notified XXXX XXXX, XXXX of Capital One Bank by certified mail again dated XXXX, and demanded my account be reopened for use, and again provided my instructions. Again, XXXX XXXX failed to perform his fiduciary duty. I received a letter from Capital One dated XXXX, stating that they do not accept my presentment. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). 
I notified XXXX XXXX, XXXX of Capital One Bank a XXXX time dated XXXX, by registered mail and again instructed him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), XXXX XXXX has shown a pattern of misconduct and knowingly breached his fiduciary duty ( Third Tier ). I would greatly appreciate any assistance you can provide in this matter.
Consumer complaint received 2022-12-21
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed 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
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

CFPB Complaint against LNB Funding / Resurgence XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La. XXXX Email : ( XXXX ) Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Debt Collection Practices by LNB Funding / Resurgence Dear CFPB, This letter is to formally file a complain against LNB Funding / Resurgence ( the " Debt Collector '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 
I dispute owing any and all debts that the Debt Collector is attempting to collect from me. I have never received any goods or services from LNB Funding / Resurgence, and I am unaware of any agreement to repay the.

Furthermore, the Debt Collector is engaging in unfair and deceptive debt collection practices : Failure to Validate Debt : I have not received a debt validation notice as required by 15 U.S.C. 1692g ( a ) ( 1 ). I request the Debt Collector to provide written validation of the alleged debt, including the original creditor, amount of the debt, and dates of service.

Lack of Communication Preferences : I revoke all consent for the Debt Collector to communicate with me via email or text message. Please restrict communication to written correspondence sent via US mail to the address listed above.

Proof of Licensure and Bonding : I request documentation proving the Debt Collector is licensed and bonded to collect debts in my state.

Improper Debt Notification : I have no recollection of receiving any prior notification regarding this debt. If the Debt Collector believes I was notified, I request a copy of the notification with a certified receipt showing my signature for proof of delivery.

Please note that pursuant to 12 CFR 1006.34 ( b ) ( 5 ), the Debt Collector has 15 days to respond to this letter. Their silence on this matter will be considered acquiescence to my claims.

I am prepared to take further legal action if the Debt Collector does not cease harassing communications and validate the alleged debt according to the FDCPA. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-21
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NV)

I have Chase Freedom credit card account for over a year set up for AutoPay. A month ago they sent me a letter stating that they were gon na close my account for not receiving minimum payments. I received that letter too late because it was misbelieved to my neighbor 's mailbox, however I called to Chase and questioned why they do n't deduct my minimum payment from my linked checking account as they used to do the entire year. The Chase customer service representative advised that it was a system error and I should of disregarded that letter. And a week ago, on XX/XX/2017 Chase sent me another letter stating that my account was closed. When I called to Chase again they started lying to me that I never questioned them regarding that misdelivered letter which they sent on XX/XX/2017, however another Chase customer service representative was able to locate my call on XX/XX/2017. Now Chase representatives keep exercising their prejudice, misconduct and dishonesty blaming me for not figuring out how to make minimum payment by mailing it even thought they would not receive it anyway on time because I got their letter too late because it was misdelivered to my neighbor 's mailbox. Chase website also did not accept my minimum payment because it was set up for AutoPay for over a year, and my minimum payment was always timely automatically deducted from my linked checking account.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CT)

Hello my name is XXXX XXXX and I am trying to dispute a Debt Collection on my credit report. This week, I noticed there was a Collection started XX/XX/XXXX from Amsher Collection Services to XXXX for {$74.00}. I previously had XXXX XXXX until I joined with XXXX on XX/XX/XXXX. After calling the store of T-Mobile today XX/XX/XXXX they told me I had a debt of {$74.00} opened on XX/XX/XXXX for an Activation fee I was unaware of and on XX/XX/XXXX I had transferred my phone number and services. At the time of this event I was coming back from being Active Duty stationed overseas and I was unaware of this charge of {$74.00}. Is there any possible way to get it removed or cleared since I was unaware of the charge? Thank you respectfully.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan was switched from XXXX XXXX to Specialized Loan Servicing, LLC in XXXX XXXXXXXX XXXX on XX/XX/. Before my loan was switched over, I was in the middle of a mortgage deferral program since I had lost my job. I didn't even receive a welcome letter from Specialists Loan Servicing until XX/XX/ that had all of the new information and account number on it. When I opened the packet, It stated that I owe {$11000.00} with a due date of XX/XX/ ... .. when they didn't even give me the information on time. I have called twice and they have stated that they are behind on the processing all the new loans they received from XXXX XXXX and that it would take them 60 days to fix this. It's only XXXX and I have since received multiple threatening letters stating that I'm seriously delinquent on the mortgage and that I need to contact them about possible loss mitigation. XXXX XXXX confirmed with me that they sent over everything to Specialized Loan Servicing and they even emailed me the packet that was sent to them. This company is using predator tactics by buying mortgages that are deferred with XXXX and pushing them info foreclosure without even attempting to correct the issues.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Prospect Recovery Solutions LLC (MD)

I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C. (GA)

I filed in with XXXX and XXXX  to have XXXX XXXX XXXX remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages reported to my credit report. This is a deformation to my character.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I did a balance transfer to my card. They report the date of last payment to Equifax as XX/XX/24 when I got my equifax report. The Equifax confirmation # is : XXXX However I have made payments in excess of {$3000.00} since that date. See below : Auto pay to XXXX XX/XX/24 {$500.00} XX/XX/24 {$4.00} XX/XX/24 {$11.00} XX/XX/24 {$40.00} XX/XX/24 {$250.00} XX/XX/24 {$510.00} XX/XX/24 {$500.00} XX/XX/24 {$300.00} XX/XX/24 {$500.00} XX/XX/24 {$490.00} {$3100.00} Additionally they are not reporting any of these payments.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
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: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX  PROOF OF LATE PAYMENTS Dear Wells Fargo, I am writing to address the reporting of late payments on my account XXXX with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late.

Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION ()

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
AXCSSFN/CNGO XXXX XXXX XXXX : {$0.00}