davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (AR)

I have emailed Nelnet 3 times. I am unsure of the first email. But the second one was on XX/XX/2023 and the 3rd email was sent on XX/XX/2023. I have tried calling a few times and on hold for more than an hour. I have also tried to research previous payments and there are non listed on my account. I was currently paying a little over {$300.00} through XXXX and Nelnet is wanting {$610.00}. THAT IS NOT DOABLE WITH MY INCOME! I can not get through, I am not recieving help and I am more than frustrated. My student loans have not decreased in the last 20 years and it's beyond frustrating that I have to deal with a different servicer that apparently lacks competency. Since loans have been postponed for several years, they should be more than prepared to answer any questions and hired/trained more employees to do so
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have mailed in letters several times to Transunion, XXXX and XXXX in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on XXXX or XXXX According to your own industry standard which is the Metro2 the above information must be reported. 
I do not see an actual proper re-investigation completed after addressing the issues set forth.
Consumer complaint received 2023-11-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2018-10-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

A balance transfer I initiated was cancelled without notice and the company was unable to provide me any details ( twice! ) on why it was cancelled besides that it was cancelled. Furthermore, I did not receive any notice electronically or even a voicemail regarding this issue and now have a pending authorization on a transaction that is listed as cancelled -- preventing me from actively using the card again for this purpose.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC (TX)

The vehicle is mine. Purchased in XXXX. THERE HAVE BEEN NO INQUIRIES ON THE VEHICLE FOR FINANCING OR REFINANCING. XXXX are stating an inquiry was made by a company called XXXX in XXXX and this is impossible. They have submitted a fraudulent inquiry on my credit report. They are the furnishers of the inquiry onto my report so they are the ones that have to remove it. It's fraudulent. Didn't exist. Never did. Never will. 

Foursight keep trying to say they are not the ones who put the credit inquiry on my report even though the fraudulent credit inquiry shows XXXX. They also state they don't process credit ( so why is their name on my credit report?! ) ''We don't process credit. Dealers or third parties do. XXXX is a refinancing company. You are welcome to contact them or to do a credit dispute through the credit bureaus. 

''You can not have direct contact with our credit department, and for disputes they will reply within 30 days. '' ''Autopay is an auto loan group that works with other lenders to finance loans, they sent the application in for you, and you received an inquiry from us. You will need to reach out to XXXX, you can find them online, and they can give you more information about it. We have provided you with a dispute response in regards to an application they submitted for you. You will need to contact them for more information about the credit application. '' They then refuse to deal with me via email or phone- ''Our credit dispute/inquiry response are sent via mail in 30 days. The request is sent to our credit department, and they investigate and send out the letters. We can not discuss it further over the phone or via email. You received a letter responding to the credit inquiry. The letter states to contact XXXX since they are the ones who submitted the application under our name. Contact them. '' What does they submitted it under our name even mean?! 

Anyway, there has been no submission by me on a vehicle I already own. No financing or refinancing was made. This is clearly fraud and they are refusing to remove the credit inquiry that is on my report under THEIR name.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  number XXXX 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 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
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal is ignoring my attempts to resolve this issue with out other parties.CFPB is my last option to seek help. Ive sent numerous letters asking for help understanding the debt and why it is not cleared out. They are sending me billing errors on top of reporting private information to the CRAs. I will not accept this type of treatment from no company or agency.
Consumer complaint received 2023-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (IL)

We are selling our condo and closing on XX/XX/2023 but can not get a payoff quote for our closing due to Mr Cooper getting hacked several days ago. Ive tried calling and going to their website and get nothing. If we dont get a payoff quote to the attorneys in time, by Tuesday, this sale wont happen and will affect us financially. We need to get this payoff ASAP. 

Thanks much, XXXX XXXX XXXX XXXX IL
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

Hello, my amazon credit card by chase was stolen as with my phone. I filed a fraud claim with chase and they told me they will send me a new card and conduct their investigation. Its been a few months and I havent heard anything back. They were supposed to issue me provisional credit but failed to do that as well. I have been carrying a {$6000.00} balance of fraudulent charges and they seem not to care at all. Ive been making the payments but I find it immensely ridiculous that they seem not to care or follow up. Please help me. I received a letter when I submitted my fraud claim and then nothing else ever came not have they ever contacted me again for any kind of information. I call and they dont seem to have an answer as to why. 

The transactions for the fraud claims were XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX claims I have heard nothing back from.
Consumer complaint received 2023-11-05
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. (GA)

Complaint Regarding Cybersecurity Incident and Financial Concerns with Mr. Cooper I would like to file a formal complaint concerning a cybersecurity incident reported by Mr. Cooper on XX/XX/2023. Since the incident, both their website and phone access have been inaccessible, leaving customers like me in a state of distress and uncertainty. 

My primary concerns are as follows : 1. **Inability to Contact Mr. Cooper : ** As a customer, I have been left with no means to contact Mr. Cooper to address my concerns and inquiries. 

2. **Property Tax Payment : ** My property taxes are due on XX/XX/2023, and they are typically paid through my escrow account. I fear that due to the cybersecurity incident, Mr. Cooper may not be able to make the payment on time, which could have serious consequences for my homeownership. 

3. **Personal Data Compromise : ** I am worried about the extent of my personal data that may have been compromised in the breach. This includes my social security number, place of residence, and ACH information, which could lead to potential identity theft and financial loss. 

4. **Account Access and History : ** With the website and phone access disabled, I am unable to access my account information, such as my payment history and current balance. This has implications for my ability to manage my finances effectively. 

5. **Extra Principal Payments : ** I make additional payments towards my loan 's principal every month to expedite its repayment. I want assurance that these extra payments will be correctly applied, given the circumstances. 

6. **Fees and Interest : ** While Mr. Cooper has assured that there will be no fees incurred during their efforts to resolve the issue, my concern extends to the potential extra interest accruing on payments and additional payments that may not have been processed during the downtime. 

7. **Upcoming Tax Payment : ** My greatest concern is the impending property tax payment due on XX/XX/2023. I have already contributed to my escrow account for this payment and can not afford to make it separately. 

I kindly request the CFPB 's assistance in addressing these pressing issues and ensuring that Mr. Cooper takes appropriate actions to safeguard its customers ' financial interests and data security. Your intervention in this matter is greatly appreciated, as it has a significant impact on my financial stability and peace of mind. 

Thank you for your attention and assistance in resolving this matter promptly.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-05-22
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. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On Wednesday XX/XX/2023 I received a call from pnc over a {$1.00} charge to my account flagged as suspicious activity. They had asked if I authorized any charges and I said no. They then suggested a card replacement I asked how long it would take to arrive and they said 3 days and I would receive it by Saturday the XXXX. I said I CAN NOT be without access to my paycheck that is directly deposited into my account on Friday XX/XX/XXXX and that I do not want to do so if there was ANY possibility I would not have access to my money as this would cause severe and permanent damage to my health and living situation. Against my wishes They proceeded to do so. It was not until Saturday I learned my debit card had been deactivated while trying to buy food and get my prescriptions. At this time the banks had closed for the weekend and I was unable to get an XXXX back to my home 10 miles away. They told to go into a branch to get money and I had to tell them that they closed at XXXX on Saturdays. Next they said I can use cash app and link my bank account. After having to WALK 10 miles home and NOT being able to work my scheduled shift when I tried to link it to XXXX XXXX I it turns PNC dose not allow XXXX XXXX to be used. I have asked PNC to reactivate my old debit card and they said they could not do that. Then I asked them to activate my new card and they refused to do so and gave me " other '' options and every one of those would work but it WILL REQUIRE an active debit card. The last option was to use XXXX and I was able to link my account but it still requires the ACTIVE debit card to proceed. I do not have a car I can not just go to a branch. They have no knowledge of requirements to use 3rd apps and have no current options for account holders to have an ability get their money in emergencies situations or even care for that matter. For them to tell me to ask my friends family or neighbors to borrow money when I have it is not only insensitive, it makes me ask what is the point of using a bank if they claim you will always be able to access your money and trust them, but then destroy your quality of life.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NC)

I had an available balance on my checking account of {$5400.00}, and then made a debit purchase for {$4500.00}. The next day, Ally told me that my account was overdrawn by thousands of dollars. But I have a screen shot showing that the money was in my account when I made that purchase. 

I called and disputed this, and they told me that my account would remain frozen until they completed their investigation. They were quite rude. 

I waited over a week, and when they finally unlocked my account, the remaining {$3800.00} I had in my savings had been automatically moved to my checking account and then disappeared. Now I have literally no money in my account because they took it without providing any explanation whatsoever. 

Why did they tell me that I have enough money in my account to cover my purchase? 

If I didn't have that money in my account, then why did they allow the debit card purchase to go through for thousands of more dollars than they say I had in my account? 

They have provided no explanation whatsoever for these questions, and just took the remaining money I had in my account that was completely unrelated. 

This should be criminal and I want my money back and an explanation. 

Every time I call they have just been rude and refused to answer my questions or provide any information.
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

I have been with Mariner finance for many years. Have had many loans and the current one i have. I have had nothing but problems. I put my collateral up got the money. And made payment on time every month!. Then a deer ran out and i totalled the collateral. No problem i have insurance. Hey i even have gap insurance which i paid for.This happened on XX/XX/2018. XXXX got a pay off amount of around {$2600.00}. What was left of my loan. After all was said and done XXXX offered almost {$2500.00} for the car. Yeah me! Not. So i contacted Mariner and informed then the payment XXXX was offering about the value of the loan. Iasked if i could use my gap to cover the rest. I was informed that he would look into it and get back with me. No one called me back so a few days later i called again to check the status on the gap coverage. I was told i was not aloud to use my gap coverage because it was less then the {$500.00} value. Really? So ok my thought was its around {$100.00} i will still owe. Less then my normal payment. So i waited. XXXX reached out 3 times. I called Mariner finance of XXXX every few weeks got a diffrent story each time.. XX/XX/XXXX or XX/XX/XXXX time i talked to mariner they advised me they still havent recieved a check this was XX/XX/XXXX. So i call the salvage department with XXXX. They had me on hold as they once again contacted Mariner Finance of XXXX Md to fond out when they would recieve the letter of guarantee. This is a standard practice between every finance and insurance company. XXXX informed me that they once again faxed the letter and stayed on the phone with XXXX. They didnt recieve it. So she preceded to email and waited untill he recieved it. XXXX did return my call after he finished his call with XXXX. We had a heated comversation of the inability of them doing there job properly. And i asked to speak with a manager and was denied. Ok. He called me back the following day to inform me the letter of guarantee was being summited back to XXXX.. i paid me XX/XX/XXXX payment of {$170.00} on XXXX XXXX. I didnt know what was going to be ledt on the loan since every time i called the number changed. They refused to tell me what the $ amount would be untill they recieved the check from XXXX. Ok on XXXX XXXX they recieved the check. XXXX then contacted me to inform me i have a balance of almost {$80.00} for added interests on my acount to pay it off. ..what? If i did the math correct and my pay off was {$2600.00}, XXXX paid u just about {$2500.00} plus i just paid you {$170.00}. How to i have more intrest to pay. When i have gap insurance and should never have had to come up with {$170.00} in the first place!. 
This is why i paid for gap and i cant even get my money returned on a insurance policy they provided to me at a cost in the event of this exact thing happening. Heart broken.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (MN)

The following hard inquiries currently listed and showing on my XXXX XXXX and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I will be sending a copy of this complaint to XXXX XXXX, United States Senator Minnesota, XXXX XXXX, United States Senator Minnesota, XXXX XXXX, Minnesota Attorney General and XXXX XXXX, United States Attorney General, U.S. Department of Justice. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX