davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I'm filing a complaint against the collection agency Resurgent Capital Services. They are one of the collection agencies that the credit card company XXXX XXXX uses to collect on delinquent accounts. The account became delinquent by me in the Fall of XXXX, which was a very bad year for me financially. About 2 years ago I was able to start working on paying this debt off with Resurgent Capital Services. The payment was {$25.00} a month due on the XXXX of the month, with funds being drawn directly from my bank account. Everything was going well I thought until I was notified by XXXX  Credit Bureau in XXXX of this year that an account was in collection against me for {$880.00}, from a company by the name of Cach LLC, and that the account had been opened with this company in XX/XX/XXXX. No additional information was given about this company. I contacted XXXX  and informed them I was disputing this collection item. They filed my dispute and did an investigation. They sent me a letter of the results of their investigation in XXXX of this year. The letter stated the account was mine and they gave me the name of the company Resurgent Capital Services, as the collection agency. The delinquent account had been placed with the agency in XX/XX/XXXX and that the last payment received was {$25.00} on XX/XX/XXXX. I also was given their address of XXXX XXXX XXXX, XXXX, SC XXXX and their phone number of XXXX. I never received any mail or a phone call from this collection agency informing me of any issues with payments. I did call the collection agency and they informed me their third party company, ( I was not given a name ), had sent the account back to them but had never gave them a reason why the third party company had stopped collecting payments. Resurgent Capital Services further informed me that when I originally set up payments it was with their third party company and not them. I then asked why I never received any mail or a phone call informing of a problem. Resurgent stated they or their third party companies don't usually call or send letters when there is a problem. I then asked how do I get back to paying on the delinquent account. Resurgent then stated they had already assigned my account to another third party company. I stated I didn't want to work with another third party company again. Finally I was able to set up a monthly payment of {$25.00}, directly with Resurgent Capital Services and have paid my XXXX payment already. My complaint with Resurgent Capital Services, is the way they handle my account and now I have a negative mark on my credit reports that they have made and will not remove.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to Bank of America, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that Bank of America and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Consumer complaint received 2022-12-21
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. (NC)

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX Equifax says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

Hello, First complaint : My student loans are now being serviced by Nelnet. The page for making a payment has been down for at least the past couple days. I tried all their troubleshooting steps and none worked. There was no way to make the necessary payment on the day it was due. I also tried making the payment over the phone but that method does not work ; the line cuts out and you are unable to make the payment. 

Second complaint : I attempted to make the payment via the automatic payment method instead. My old bank account information was what they had on file, so I updated it to my new bank account. In doing so, the interest rate on my loan increased by .25 %, even though I still had bank account information in for an automatic payment. Apparently, by " editing '' the bank account information, I lose my .25 % reduction for the next 30 days. I am paying Nelnet an extra .25 % in interest for the next month due to my decision to update my bank account information. 

Third complaint : I had to sit on the phone for 2 hours and 53 minutes in order to get through to an agent to make my payment.

Fourth complaint : They were unable to tell me why I am unable to access this page or make the payment over the phone. 

Fifth complaint : As of writing this, I have been on hold for 25 minutes to speak with a supervisor about the .25 % rate increase occurring due to me editing my bank account information.

The collective actions by Nelnet as I describe above show a complete lack of responsibility to prepare for the resumption of student loan payments. A broken website, an understaffed call center, and a deceptive way to scrape an extra .25 % out of the payer 's pockets are all things that are completely unacceptable for a company that controls the financial wellbeing of millions of Americans.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

I have paid this account balanace off in full and it is still reporting to my credit report. I was denied credit but of this account remaining on my credit report despite being paid. I have fulfilled my end of the obligation, please remove it as promised.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX, I, the consumer and natural person, was denied credit by Navy Federal Credit Union when i applied for a Platinum Mastercard account.Credit denialAdverse action against a consumer is against the LAW, a liability for breach of fiduciary duty 29 USC 1109 violation pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691c pursuant to civil liability 15 USC 1692k.i was discrimiated against by NFCU by the response i recieved.As well they are in violation of 15 USC 1642,15 USC 1681m,15 USC 1611,15 USC1640,15 USC 15,12 CFR 1002,15 USC 1666 , 15 USC 1602l , m, n, o, p , and 15 USC 1692b { 5 }.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

Navient has been repeatedly calling me, 7 or 8 times a day. They are calling for someone who is not me and who does not live here. I have told them numerous times to stop calling me and that the person they are looking for does not live here. They don't stop calling and they don't listen to me. They accuse me of lying. I am XXXX XXXX XXXX and I believe they are harassing me on the basis of my age. I attended XXXX in the late XXXX and we didn't have student loans back then. I wish we did. I had to work in the college cafeteria to pay for my school and it was hard. I'm glad the students of today get help with their schooling but they person this Navient is looking for is not me.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Student loan repayment was restarted, and automatic payment was configured for XX/XX/2023. 
Nelnet.com did not process my automatic payment, and now says my balance is past due.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted a request to change my federal student loan to the XXXX plan XX/XX/XXXX. Nelnet never responded to my request. Even after the loan application was changed to " accepted '' on XXXX on XX/XX/XXXX, my prior, much higher, monthly payment continued to show on the Nelnet website. 

I called Nelnet on XX/XX/XXXX and they said I should wait 14 days after the application was submitted through studentaid.gov before checking it's status. I said I had. They said wait another 3 days. Nothing changed on the Nelnet website. 

I called again on XX/XX/XXXX and they said they had sent an email requesting more information from me and couldn't process the loan application without my tax return, DESPITE me giving access to my tax returns through studentaid.gov. So I submitted my tax returns through the Nelnet website. The representative said wait another 14 days. He said that I should be receiving status update emails every 10 days. I've never received a single status email, despite receiving several other emails. 

I checked again today XX/XX/XXXX. Still nothing has changed on the Nelnet website. The automated system said that I should have received a response " XXXX business days '' after the information was submitted. I tried speaking to a representative but the phone was cut off because " Our office is closed '' despite it being within the automated system 's stated open hours for the customer service line. It's been XXXX weeks since my original request. I need Nelnet to change my loan repayment program before my repayments begin. I've done everything they've asked. They are unresponsive and unhelpful. I miss Great Lakes.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Consumer complaint received 2024-03-15
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (GA)

A line of credit was set up without my authorization by XXXXXXXX XXXX XXXX with : Comenity Capital Bank XXXX XXXX XXXX XXXX OH XXXX Im writing to dispute the entire accounts existence. When I contacted XXXX XXXX XXXX about a medically necessary procedure on XX/XX/2022, I was told I could get a line of credit to pay for all of the procedures I needed. I was told my insurance would not cover {$5000.00} of the charges. At that time, XXXX XXXX requested my social security number to conduct a soft credit check to see if I qualified. She told me I did and that I would get documents to set up the line of credit. She also stated I would be billed for everything after the procedures were completed. My first procedure was scheduled for XX/XX/2022. I never received any creditor paperwork or contact, credit card, nor did I complete any application or sign off on a line of credit. I didnt even intend to use a line of credit if I was able to pay for everything with my XXXX  XXXX 
I received a letter in the mail from Comenity that I assumed were the credit application documents. When I opened it on XX/XX/XXXX, I was shocked to see that it was a bill due XX/XX/XXXX. It showed a charge of {$5000.00} that was billed before I even went for my first scheduled procedure on XX/XX/2022. I attempted to pay this bill on XX/XX/2022 using my XXXX debit card as I didnt want any late fees or anything to negatively impact my credit score. That was a Sunday and I intended to call and question the company about this account that following Monday. Unfortunately, I ended up going to the XXXX that night due to complications from the procedure that was performed. At the hospital they informed me the procedure wasnt performed correctly, I was admitted to the hospital, and had to get the procedure done again. I remained in the hospital for almost a month in recovery and have been in home recovery since. While in the hospital I received a collections call on or around XX/XX/2022 from Comenity. At that time I disputed the account and all charges. I was told by the rep that it was not uncommon for an unauthorized account to be set up, and she put the entire account in dispute. I later contacted XXXX at XXXX XXXXXXXX XXXX because the charges should have first been sent to my insurance company. She agreed to bill them and told me that I wasnt billed for all of the procedures. To date, they have not responded to requests from me or my insurance company for a bill breakdown.
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2018 I had water damage to my home XXXX one year ago ). Chase holds the mortgage. The insurance company has paid out to repair the damage, but Chase refuses to release funds. I've now paid for much of my contractor, flooring, countertops, etc and Chase refuses to release funds. I'm approximately {$40000.00} out of pocket while Chase holds approximately {$150000.00} of my insurance money in escrow. 

I've uploaded every document they've asked for, many of the documents multiple times. Sometimes, like on XX/XX/XXXX, I was told a check was coming for {$75000.00}. Then an hour later someone called from Chase and said they needed one more thing XXXX a signed contractor agreement because they couldn't read the signature ). I instantly uploaded what they asked for. Today, I called them and the first person said they would be paying as they had everything they needed, but we got disconnected when I wanted to ask about timing. I called back, waited on hold, and the new person told me they needed that same document but now with two signatures. 

This same process has happened again and again, where they say money is coming XXXX and it doesn't ) and I call back and they say they need one more thing. On more than one occasion, they haven't accepted a document and I resend the exact same document which then they accept. 

I've asked at least 5 times to talk to a manager or have a supervisor call me, which they always say the manger is too busy or I'll get a call back in 24 hours, but I never get the call. I believe Chase is intentionally holding my money as long as possible and this has nothing to do with the repair process.
Consumer complaint received 2023-03-14
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)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry  Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXXXXXX XXXX, Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

My mortgage company lost my XXXX payment and reported me late to the credit bureau. I sent them supporting documents in the form of Proof Of Payment from XXXX and their response is that I am incorrect and refuse to admit their mistake. XXXX has always sent my payments through the bill pay function on the app at least 10 days before the due date.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Assist (CA)

i have been trying to get my student loan out of default, i was promised that the default paperwork would be completed by the end of XX/XX/2018. I tried for three weeks to get someone to send me the paperwork stating my account is no longer in default, i have been to NSLDS to check the status of my defaulted student loans and the status is still the same. Every time i contact XXXX XXXX its the same, you wait on the line for 10-15 minutes with no response, or someone answers and then places you on a call to tell you that they will need to call back, or they promise to call back with an update. 

All i want is to have the student loan status moved out of default because i completed making payments for the 9 months required. I have been paying out of pocket for school and want to place my loans in deferment. 

XXXX XXXX keeps trying going back and forth and making excuses, telling me that i need to sign another rehabilitation agreement, they've told me that i never signed one and once i send them what i have they tell me that one is the correct one. 

I'm not sure why something so simple has turned into a nightmare with no able to help or resolve issues.
Consumer complaint received 2024-03-15
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. (LA)

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-15
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. (PA)

I do not have a contract with XXXX XXXX XXXX I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (FL)

Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX fraudulent applications from American Express was reported to my credit profile, and I never applied for this account this account. I never authorized anyone to apply for credit card in my name. This account was created fraudulent. I reported this to American Express and XXXX and was told I need to contact consumer finance gov. To remove inquiry from profile