davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
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)

My Original loan was for the amount of {$12000.00} on XXXX of XXXX Started making payments in this loan on XXXX XXXX. for {$140.00} Today in XX/XX/XXXX Fifteen Years later still making monthly payments that does not bring this account to XXXX balance. 
IRS credit to Nelnet through College assist {$3100.00} on XX/XX/XXXX, XXXX I do not see this amount credited. 
Statements they send me are very confusing for they do not show transparency and clarity or simplicity .... I consolidate in one single loan amount and they send me today XXXX sheets that do not reflect my balance on the monthly bases. 
I believe I have paid this loan 3 times over, and I need a statement of paid off, and clear this high loans from the credit bureau. I need to collect a credit on my favor for over payment ...
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

caliber home loans XXXX - Loan was originated as an FHA and on XX/XX/XXXX, as of XX/XX/XXXX I had paid the balance down to less than the 78 % as required by the FHA to remove PMI. I sent a letter ( enclosed ) to Caliber to have the PMI removed and they send back that is was. My payment went down the {$320.00} as you can see from the screen shots. On XX/XX/XXXX an additional {$940.00} was taken out as an FHA payment and even though I have been promised several times that either documentation of some kind will be send to me explaining why this was taken out or that the funds would be refunded nothing has happened. I have been promised several call backs from " senior associates '' that could explain what had happened but have yet to hear back. 

What makes this even worse is now the loan is being sold to XXXX XXXX services as of XX/XX/XXXX, and my concern is that they did this to keep from having to explain or deal with me on the missing ~ {$950.00}.
Consumer complaint received 2021-02-18
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. (CA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX about five months ago to complain about the fact that when they charged my account for a monthly minimum fee, separate from their high interest, separate from initial annual fee and application fee, etc., so as I protested the minimum fee even with a balance, paid-as-agreed history, never late, that this fee, usurious in my opinion, over-drew my line, thus resulting in a negative credit reporting trade line, which dropped my score 30 points. I told them to reverse the fee and report paid as agreed on my account. 

Then I called back again to inquire about my account status, around XX/XX/2019 the phone representative said she couldnt find the account, then transferred me to another department, then transferred again, with quite a wait on line. Once a representative came on line, XXXX, informed me account was closed due to fraud/suspicious activity. 

I was shocked because XXXX XXXX, 1. Never informed me my card was cancelled due to fraud 2. Never contacted me to inquiry about my account activity 3. Never asked about any transactions that may not be mine 4. Never informed me that the account was closed 5. Never informed me I had no open-to-buy 6. Never sent me an  affidavit to sign Then the customer service representative said I was to make a payment to keep the account from going delinquent, which I did and she took that over the phone, and said she was sending me a new account, with a new number ; to date, 1. Never received a card replacement 2. Never received a statement w/balance transfer 3. Never was asked to cut up/return or destroy my original plastic 4. Never received any correspondence summarizing their promises 5. Never received a physical statement showing my payment received and new balance, and what is in the  balance. 

TO DATE, I HAVE NO IDEA WHAT IS HAPPENING TO MY ACCOUNT, WHAT I OWE, PAYMENT REQUIRED, CREDIT LINE STATUS, CREDIT REPORTING STATUS. 

I have come to believe, they retaliated against my account for complaining about the initial over-limit status due to the monthly service fee.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I use online banking and often make extra principal payments on my Truist auto loan. Several months ago, I couldn't understand why my monthly payment amount decreased if I specified that the extra payment was to go to my principal only and I still paid my full monthly payment amount. I called Truist, who assured me the money was going to my principal even though my payment due amount kept changing. I continued to pay my original full monthly payment amount even when my bill was less. I called again today, XX/XX/XXXX, because my payment amount had again changed and I didn't think this was correct. I was told by the Truist representative that there is something wrong with the online principal payment option and that even though online banking gives a " principal only '' option, none of the money I paid and specified as a principal only payment ever went to the principal. The representative said " Truist has known about this for a long time and they are working on it ''. She states the extra money I paid became a credit on the account for the next months payment. There should not be an option to choose to make a principal only payment if that's not how the payment will be applied. The representative said she can note this as a complaint on my account but nothing can be done about it. This is fraud. This will not allow the loan to be paid off early by making extra principal payments as we were told we could do when we took out the loan. I will attach screen shots showing the " principal only '' option and description that Truist displays online.
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My complaint is against Capital One Auto Financing and my auto loan through. I purchased a XXXX XXXX XXXX two years which they financed and have struggled with the loan payments after six months. Initially the vehicle was vandalized through unauthorized use causing extensive damage to the undercarriage breaking both control arms, bending a rim and ruining a tire. The repairs exceeded {$3000.00}. A police report was filed, but no charges were ever filed. As part of my contract with Capital One I have to maintain the vehicle and am responsible for any and all repairs. I immediately notified them of the damage and forwarded a copy of the police report. The did not offer any leniency despite being made aware that the cost of the repairs would hinder my ability to repay the loan. Six months later I was involved in an accident in a company vehicle which left me bed-ridden and unemployed for two months. Once again, I notified the bank that I would not be able to make my payments on time. Once again, when I asked for a deferment on the loan, it was denied. Recently, and partially because I was desperate for work, I fell prey to a labor scam which left me once again behind on loan payments. Now the bank is threatening repossession, they've worsened my financial situation by reporting negatively to the credit bureaus, they've buried me in interest and late fees, and still can not offer a solution. They are attempting to profit from a victim and this is the epitome of predatory lending. The vehicle is no longer worth anywhere near it's original loan value and I'm still responsible for the principle loan amount. I should not be paying excessive interest and fees on a criminal act nor should the bank be able to profit from it. They've also violated my privacy by disclosing negative information regarding the loan, including status, payoff, and balance without my consent.
Consumer complaint received 2022-11-30
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. ()

Good morning, when I checked my latest credit report I found some discrepancies, I would like you to remove those discrepancies and lock my credit profile, please. 

Accounts : XXXX ) XXXX XXXX XXXX  opened XX/XX/XXXX this account is too old to remain in my report. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( second account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( third account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fourth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fifth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX  XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 


Addresses : Please delete addresses below XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Inquiries which I dont recognize : XXXX ) XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXXK FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-24
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX****. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TN)

I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus. 

I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX. 

What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?
Consumer complaint received 2023-03-23
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: Synovus Bank (GA)

First Progress/1stProgress XXXX Two Accounts : {$200.00} Hello, I have called them multiple times, requesting that the fraud accounts be taken off of my credit. It appears that the accounts are closed but they are still showing negative payments on my credit profile and impacting my score significantly, and I am trying to purchase a home for my family. I have called them multiple times and they have confirm that after their investigation, the accounts were opened as a result of identity theft and fraud. They're confirmed they would contact the creditors directly to get this resolved. 

Can you please investigate immediately and get this company credit charges off of my credit? Please see the attach letter from them confirming the account would be taken off my credit as negative items
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I opened an account with Citi Bank for their Citi Advantage card. I had to submit an application and i was subsequently approved. As part of the inducement to open an account Citi promised XXXX bonus miles if I spent {$2500.00} in the first 3 months of billing. I did, but now, for the first time< Citi is saying I'm intelligible because I had a prior account in the last 48 months. No where was that included in Citi 's promotional materials. This failure was intentionally misleading. If that was a condition of the credit offer it should have been disclosed in the advertising when the promotion was made, It was not. I believe Citi should be required to provide the promised XXXX miles.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

I hired XXXX XXXX 's Attorney at XXXX on XX/XX/XXXX to handle a guardianship case attorney at law onXX/XX/XXXX using my discover card first charge {$1700.00}. this went through fine on XX/XX/XXXX I charge XXXX with my discover card after I did not get what I paid for from the Attorney XXXX XXXX I disputed her payment of {$1500.00} with discover this amount was placed back to my card as a temp. after my attorney agreed to file the necessary documents I called discover and had them to stop the dispute, I was charged {$1500.00} on my card again.. the Attorney office did not get the {$11000.00} back to there account I called several times getting different answers once with the attorney on the line she dropped the case and placed a lien on my case for {$1500.00} because Discover told us 3 to 5 days she would get the funds bank the 10 days she would get the funds back and the last call to discover we was told that the money was hung up in the merchant department of discover, today isXX/XX/XXXX and several calls later no attorney no {$1500.00} I would like to know where the {$1500.00} is and why the attorney never got it. I have to hire a different attorney now do to the missing {$1500.00}
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

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 are 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. All is being investigated by the FTC.
Consumer complaint received 2024-03-03
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. (AZ)

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 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 2022-06-14
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

I received the document stating this case was closed so I talked to one of your associates on the phone and told her ocwen does not have the 1099 form for XX/XX/2018 when I have proof they sent it to me thats why I did the complaint over with the forms proving they sent me a 1099 form  which they can not find that they sent me and I had to claim it on the amount they forgave me which I owed federal and state almost {$13000.00}
Consumer complaint received 2018-09-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I live in XXXX with my family like a permanent resident. The Bank closed my accounts and my family 's accounts at the same time, on XX/XX/XXXX.They reported that I would receive my money for 7 to 10 business days, I received only the letter that inform the bank 's decision to close my accounts, but I did not receive my money. On XXXX the XXXX that I was informed by phone that it could take 30 to 90 days from XXXX the XXXX, improperly changing the initial information I need my money.They cause inconveniences by closing accounts unilaterally and do not comply with what they report. Help me please. 
I presented the complaint number XXXX together with my son, you wrote to him saying that he could not present my claim, but they did not solve either of the two complaints, neither he nor mine.