davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

XX/XX/XXXX ; I submitted the XXXX XXXX Discharge Application to my student loan servicer-Nelnet. I explain during the initial phone call that my loans were already paid in full. However, I was told that I could submit my package anyway and see what would happen. I submitted my application ; and I was approved. I was told that I would be refunded all paid loans from XX/XX/XXXX to present which totals over {$26000.00}. I was then told that I needed to wait 180 from the date of application which would put me at XX/XX/XXXX. I have called several times to Nelnet and to the Department of Education and I have not gotten anywhere. When I called in XX/XX/XXXX ; ; I was told that I needed to wait until XX/XX/XXXX before I would receive my refund. Then on XX/XX/XXXX I received a phone call from Nelnet stating that they were NOT going to refund me the paid loans even though I have everything in writing and they knew from the beginning that my loans were paid in full. I have in writing that they approved and that they were going to refund me my payments and now verbally stating they are not.
Consumer complaint received 2023-03-24
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: JPMORGAN CHASE & CO. (NY)

On XXXX I redeemed rewards points on my Chase Freedom card for an Amazon {$50.00} digital gift card. I received an email at my email, XXXX, confirming receipt of my gift card order. The email stated that Chase would send the digital gift card either immediately or within 48 hours. I checked my email, including spam folder and did not receive the email containing the digital card. 
XXXX-spoke to Chase customer service and was told they would investigate and send another card. 
XXXX -- After not receiving the card I spoke to supervisor at Chase customer service and was told he would expedite the matter and send the digital card within 10 days. 
XXXX not receiving the card I spoke to customer service and was told she would send a physical card to my home at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
XXXX After not receiving the card I spoke to customer service and was told a digital card was sent on XXXX to my e-mail. No email received. Requested a physical card be sent to home
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Priority Financial Network (CA)

On XX/XX/XXXX My wife and I received a loan estimate for a {$450000.00} loan to refinance our home. It reflected {$1200.00} for services we could shop for. We signed and submitted our intent to proceed the same day and did not change or shop for service providers. On XX/XX/XXXX we received another loan estimate from the same mortgage company where the appraised value was changed from the estimated {$600000.00} on the original Loan Estimate to {$600000.00} appraised value on the second Loan Estimate reducing the loan to value from 75.00 % to 74.38 %. Loan amount and the interest rate were not changed. However, services that we could shop for were increased from {$1200.00} to {$1800.00}. I alerted the mortgage company and stated that we did not choose or change service providers and these fees should not be higher. I received no response. The next day on XX/XX/XXXX we received closing disclosure that reflected the same higher fees for these services. The loan closed on XX/XX/XXXX where the interest rate and the loan amount were exactly the same as the original Loan Estimate, but the final closing statement reflects {$1800.00} for services that we could shop for which is {$530.00} more than the amount reflected on the original Loan Estimate. I contacted the mortgage company on XX/XX/XXXX and requested a refund of {$530.00}. They refused and stated that even though we did not chose or change service providers, provided the intent to proceed in a timely manner, and there were no changes to the loan amount, the interest rate, credit rating, or other documentation, they were in full compliance and would not issue a refund.
Consumer complaint received 2020-02-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

My mortgage was sold to Flagstar in XXXX. All notifications were sent to the rental property address not my mailing address. My tenants threw out the mail, thinking it was junk mail. When the mortgage was sold, Flagstar did not make sure the information used by the prior lender was accurate in their records. The former mortgage company DID have a different mailing address that they used to mail me statements for more than five years. The correct information was available to Flagstar. For two months my auto payment was forwarded by the prior lender to them and no-one checked to see why I hadn't changed where I was sending my payments. When I was called about collections, they wouldn't tell me why they called and which mortgage it was in reference to, they were dismissive about my frustration and failed to see how their system of not obtaining correct mailing address information was a problem. ( What if my property was rural and my mailing address was a po box . ) Their customer service was bad. I asked to talk to a supervisor and she was rude and blamed me for not noticing that my auto payment was returned. The whole experience was frustrating and made me feel like it was set up to obtain financial penalties.
Consumer complaint received 2023-03-24
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. (NC)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account No. is XXXX ( {$26000.00} ), XXXX : Account No. is XXXX ( {$890.00} ), XXXX XXXX : Account No. is XXXX ( {$850.00} ), XXXX : Account No. is XXXX, XXXX XXXX XXXX Account No. XXXX ( {$22000.00} ), 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 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 2020-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc. (CO)

XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 Franklin Collection Service was rude on the phone when asked for company name, phone number, and address. Had to call back 4 times to get the information. The company tried to defend their actions stating their local time is passed XXXX XXXX. I explained to them that if they have my account information, then they should have my address information showing that I live in Colorado. Even after I expressed my disapproval of calling before legal hours, they called again the next day before XXXX XXXX again.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (FL)

I was treated with XXXX during XXXX and XXXX and couple of payments were delayed for 2 months while I was on bed / on treatment. 

As on date, I had already paid / settled the outstanding amounts but still apprearing on my credit report which is impacting my credit. Please help.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, my checking account in XXXX  XXXX XXXX received a wire in transfer ( {$6200.00} ) from US Bank. 

On XX/XX/XXXX, XXXX XXXX XXXX put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} XXXX. 

After constant and torturing communication with XXXX  XXXX XXXX, the staff in the wire fraud department from XXXX XXXXXXXX XXXX told me that it is US Bank that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by US Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or XXXX. 

My request is that USBank withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are XXXX XXXX, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX XXXX & XXXX XXXX. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from XXXX XXXX and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, XXXX XXXX even does not try to help this case at all. 
I went to XXXX XXXX Branch office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IL)

Debt collection letter received on XX/XX/2018 from Allied International Credit Corp., XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Letter says " XXXX '' is the original creditor for a debt amount of {$170.00}. Letter states I have 30 days from receipt of the debt collection letter to dispute or validate the debt. The debt collection letter has a reference number of : XXXX. A phone number supplied in the debt collection letter is : XXXX, same as the XXXX XXXX " XXXX XXXX '' method of payment. The contact name for payment is : XXXX XXXX. 

I have not had any interactions with XXXX  in last 6+ months. I checked my XXXX account today and I have no transactions or items being sold. My XXXX account is in good standing.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC (AZ)

On XX/XX/XXXX - I was contacted on my cell phone by XXXX XXXX with Bryant Hodge and associates. He indicated that I owed a debt XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. I asked him if he would email me the details, I would then review them and get back to him. 

He sent me 3 different collection letters via email. One that was indeed XXXX XXXX XXXX in the amount of {$330.00}, another for XXXX XXXX XXXX XXXX in the amount of {$960.00} and the third for XXXX XXXX XXXX for {$510.00}. In looking at all three of these - they are addressed to a XXXX XXXX. My last name is XXXX and has never been XXXX. However, my daughter did have a stay at XXXX XXXX 6 years prior - so I investigated that debt. I found record in my credit file that I paid that debt to another collection agency ( XXXX XXXX XXXX ) in  XXXX, XXXX. It is now being reported as paid and closed on my credit report. 

I followed up with XXXX XXXX on XX/XX/XXXX with an email explaining XXXX XXXX XXXX debt was paid and the other two didn't belong to me citing wrong last name. I never heard from XXXX XXXX again. 

In XXXX, I started receiving phone calls from XXXX XXXX from the same company, Bryant Hodge and  XXXX. I contacted XXXX XXXX back and told him the same story above and that I closed this situation with XXXX XXXX. I asked him for a mailing address and I sent him the information I provided to XXXX XXXX along with a separate cover letter addressed to XXXX XXXX and I sent this RETURN RECEIPT CERTIFIED. I received the green postcard back signed by an agent dated XX/XX/XXXX. I never heard from XXXX XXXX again. 

In late XXXX, I started receiving phone calls from a XXXX XXXX - again from Bryant Hodge and associates. His messages were firm that " we had an arrangement set up and I'm surprised I haven't heard from you by now '' I can assure you, I never made any arrangements with him or anyone in his office. I returned his call to receive his voicemail and I told him we did not have an arrangement, I don't owe the debt, the last name is wrong and I've told two of his colleagues the same information and that he should not contact me again. Of course, I continued to receive messages from XXXX XXXX with the same message. Obviously, he did not listen to my message or chose to ignore the information so I decided to send him the email/information that I sent his other two colleagues, sending to both him directly and to the " support '' mailbox for the agency. I have not heard from XXXX XXXX since. 

However, this company seems to rotate their files to different agents about every 4 weeks. I am sure this is not the last time I will hear from this company so I am filing this complaint. All documentation is attached.
Consumer complaint received 2023-02-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NE)

A reaffirmation was signed and filed with the US bankruptcy Court on XX/XX/XXXX. US Bank is not reporting our payment history properly to the credit bureaus. They have reported our Mortgage as being closed. It is very much open and in good standing. Our reaffirmation is proof of that. We have sent three letters requesting US Bank update their credit reporting, and send us a full account history of our mortgage from XXXX XXXXto present. In there latest response dated XX/XX/XXXX. XXXX, they refused to update reporting and stated the information request was confidential, proprietary or privileged. Any such documents are not being provided. I being the mortgagee am entitled to information concerning my mortgage. There lack of reporting correct information has had derogatory impact on my credit. I have had to pay a higher interest rate on a new HVAC system. This is unfair credit practices.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned XXXX and I have no idea who they are. I called XXXX. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with Experian. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! XXXX XXXX
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

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 Dear Experian , On XX/XX/XXXX, I mailed you a letter disputing information contained in consumer reports complied, maintained, and published by you allegedly concerning regarding the following accounts and inquires ; 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. I also submitted a complaint with the CFPB on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ensure you received the dispute. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the dispute information as I requested before the end of the 30-day period of the date on which you received my dispute letter. It's well over a month, so I'm sure you received not only the dispute letter that was mailed, but also notification of the claim submitted via the CFPB website. Therefore, your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming these accounts were verified or updated. 

Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you claimed the accounts were verified or updated. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and or negligent FCRA violation. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} per violation ( 8 ) payable to XXXX XXXX XXXX. Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within 14 days, delete the disputed information requested, send an updated copy of my consumer file, and send me the {$8000.00} check to my mailing address listed above.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-24
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. (FL)

I have tried and tried with all three reporting credit agencies to remove the credit report of the information of XXXX XXXX  since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Stated that they were unable to lower the interest rate. Stating its a government loan and theres nothing they can do about it. Also stated you are the one who took out the loan in the first place. Also stating the co-signer makes enough money.