davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DE)

Statements from XX/XX/XXXX through XX/XX/XXXX provided in attachments. I have 13 loans with Nelnet, 4 with issues. Each loan is labeled AA through AM. For cross-referencing, in parenthesis I will list the group name. 

Timeline of events : ->XXXX XXXX My 13 federal student loans were sold from Great Lakes to Nelnet. All 13 loans had been in repayment with me making monthly payments since graduating in XX/XX/XXXX. 
->XXXX  XXXX Repayments with Nelnet began , auto debit for exact amount due was set up. 
->XXXX  XXXX I increased my monthly payment to an even {$300.00}. This was done using the Nelnet website, the option to apply the excess payment by percentage was chosen. I chose three ( AB, AC, and AD ) loans with highest interest to apply excess amount to. During this new payment application, the option " DO NOT ADVANCE DUE DATE '' was selected. 
->XXXX  XXXX- Monthly payment due for the 3 loans mentioned above is {$0.00}. Next payment due date XX/XX/XXXX for loans AB and AC, XX/XX/XXXX for loan AD. Interest continues to accrue. 
->XXXX  & XXXX XXXX- Pattern continues for 3 mentioned loans. Began contacting Nelnet Customer Service to inquire what is happening to the 3 loans in question. Answer given each time is there is outstanding interest, no principal payment can be collected. Website states no payment is due and next payment due date for each continues to be pushed out to future dates. 
->XXXX  XXXX- Interest from all 3 loans has continued to build since payments stopped in XXXX. All 3 loans collect payment on interest. 83.42 % of XXXX monthly payment was applied to interest, compared to an average of 49.4 % the last three months. Next payment due date continues to project future dates, one ( AD ) of the 3 loans projects next due date four months away from current due date. ADDITIONALLY, in XXXX, a fourth loan ( Loan AG ) has payment due reduced to XXXX and next payment due date is changed to XX/XX/XXXX. 
->XXXX  XXXX All issues persist. Monthly payment was taken for 1 of original 3 loans although website still states no payment due. 

Comments : As it currently stands, XX/XX/XXXX loans remain unaffected. The original 3 loans which presented issues are showing next payment due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the fourth  which began having issues in XXXX still states next payment due XXXX. I have called and emailed, each time receiving the same standard answer that outstanding interest must be paid prior to paying off principal. My issue remains unresolved : What changed that made these four loans payment due dates shift?
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERIS BANCORP (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX OWNER OF THE XXXX XXXX XXXX XXXX, AND I AM MAKING THIS CLAIM BECAUSE XXXX XXXX HAS NOT DELIVERED ME A CHECK WITH THE FUNDS FROM MY ACCOUNT THAT SHOULD ALREADY BE CLOSED, I HAVE MORE THAN TWO MONTHS WAITING FOR A RECEIVED MY MONEY AND THEY NEVER SENT IT TO ME,
Consumer complaint received 2022-03-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MD)

Hello there how are you doing? I just need Ally Financial to update the amount owed to them for the debt of XXXX acct number XXXX the amount that need to be updated is XXXX its updated on XXXX XXXX to that corrected amount and need to be updated with XXXX  XXXX and XXXX on XXXX  app in my report also please this need to be changed As soon as possible it is destroying my score need to be updated so I can get ahead in life and get out of my financial situation please this is urgent thanks so much
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (VA)

From XX/XX/XXXX to XX/XX/XXXX Ive paid XXXX in tips and fees that arent optional. The advertising on social media told me that there was 0 fees and 0 interest but there is a part of the application where they make you pay a donation and tip that seems to increase every time you take out a loan.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was informed that I owed {$19.00}, XXXX  on a XXXX XXXX XXXX capital one credit card ( XXXX ) of which I did not apply for. Obviously, someone fraudulently was able to use some of my information to open the account. When I told capital one that I don't have a card ending in XXXX they did an investigation and concluded that the card belongs to me. I challenged their conclusion and they have re-initiated another investigation. I have filed a police report ( XXXX XXXX XXXX, case # : XXXX ), put a freeze on my credit and filed a fraud report with Social Security.
Consumer complaint received 2022-06-19
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. (FL)

In accordance with Fair Credit Reporting Act everything has to be accurate on all my credit reports. 
The credit bureaus stated that my accounts was properly investigate but, how is that possible if open dates is inaccurate, the last date of activity is inaccurate, last reported not accurate. This is ground for removal they have also violated my rights under 15 U.S.C. 1681 section 602 A States i have the right to privacy 15 U.S.C. 1681 section 602 Section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-19
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)

In accordance with Fair Credit Reporting Act everything has to be accurate on all my credit reports. 
The credit bureaus stated that my accounts was properly investigate but, how is that possible if open dates is inaccurate, the last date of activity is inaccurate, last reported not accurate. This is ground for removal they have also violated my rights under 15 U.S.C. 1681 section 602 A States i have the right to privacy 15 U.S.C. 1681 section 602 Section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2018-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I closed on a HELOC with Santander last fall. It was a 30 year loan with a 20 year draw period and a ten year repayment period. I signed up for interest only payments for the draw period, with an eye towards locking the interest rate at some point. 

On XX/XX/XXXX, I called Santander to lock the interest rate on my HELOC. I spoke with a consumer lending supervisor out of Pennsylvania by the name of XXXX XXXX. 
XXXX explained to me that my interest rate would go up from 5.75 % to 5.94 %. I specifically asked him what my new payment would be and he estimated it at {$500.00} for 15 years. I asked him what the interest rate would be after that period. He said he was not sure and that we would cross that bridge down the road. 

Flash forward to XX/XX/XXXX. I am online looking at my accounts for another reason and I see that my next monthly payment has more than doubled. My payment in XX/XX/XXXX was {$460.00} and my payment for XX/XX/XXXXis {$1100.00}. 

I am surprised and call Santander to find out what happened. It is explained to me then that when the interest rate was locked, this automatically restructured the loan as a 15 year fixed interest rate loan. XXXX XXXX never explained this to me and, in fact, was seemingly unaware of this ( to think he knowingly misled me is ghastly to consider ). Recorded phone conversations will confirm my account. I also never received documents to sign or any correspondence from Santander regarding the rate lock and the terms. 

Conversations with Santander agents were less than helpful. I was told that research could take 5 business days or more and the resolution time beyond that varies. 
On XX/XX/XXXX, when I mentioned to a supervisor named XXXX that I would be submitting a CFPB complaint, I finally made some progress. XXXX called me back and told me she could reverse the rate lock on her screen ( why didn't the several other supervisors and agents that I spoke with realize this? ). XXXX told me that my terms would return to what they were before the rate lock ( which would be interest only payments during the draw period ). The caveat, she explained, was that my XX/XX/XXXX payment would still be {$1100.00}, which is significantly higher than the {$460.00} payments ( there and about ) I am used to. 

Given that the mistake was egregious ( a supervisor either willingly misled me or was grossly negligent in how he handled the rate lock conversation and, then, request ), I do not believe that I should be forced to make the {$110000.00} payment. I would like to have my XX/XX/XXXXpayment recalculated to be an interest only payment based on the original loan terms.
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (CA)

I received a letter in the mail on XX/XX/2022 from a company called XXXX XXXX XXXX XXXX XXXX a debt collector stating they are attempting to collect a debt that I owe to JHPDE Finance, LLC the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too JHPDE Financial infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.
Consumer complaint received 2022-03-03
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. (NJ)

I filed for Bankruptcy XX/XX/2021. I provided Experian with a copy of my bankruptcy discharge order and copy of the creditors included in the file petition. Creditor XXXX XXXX and XXXX XXXX refuses to update credit report with bankruptcy filing and removing balance
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (OH)

On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. 

On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. 

They have called from the number XXXX at the following times. They never leave a voicemail. 
-XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. 
-XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

I was involved in a car accident and then taken to the nearest hospital by the ambulance. I give them my medical insurance card and also my auto insurance. They should contact and billed my health insurance/ auto insurance instead of myself. I just found out that the debt went to collection agency. I was so XXXX that I eventually paid them first and thinking that my insurance will reimburse my payment. Eventually they never did.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

I bought a produt online and they refunded my money but chase bank says they sent it back the sender. I called the company and they were so nice and told me to get ahold of you. I contacted the bank they hung up on me 5 times and tod me not to call back. the refund was for {$120.00}. they are so rude and called me stupid. I believe they are holing the money in limbo and refuse to let it go. this has got to stop. theres so much corruption with the banking system it aint funny. I'm on Social Security diability and need money for medication. I believe there pain and suffering damages here. In all my life i never would have dreamed of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX wi, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXX-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding ~ {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.