davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NV)

XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Above I am starting with the contact information I received from the dispute I filed for XXXX. I  attended college for XXXX XXXX and did not get to finish the program because the school shut down when XXXX colleges took over XXXX college.  They committed fraud and lied to their students about the school shutting down including me and got me to spend more money knowing the school was shutting down. I did not get to finish school and should not have to pay for these loans. They expect me to pay around 6 grand a month but I did not finish my degree so I do not have a good XXXX job to pay like I would have if I would have got to finish school. I found a website online last year and finally got a mailing address to mail papers in to detest the student loans but never heard anything back. Tried to research number s to get ahold of them and nothing ever went through and no one got back to me. I need help getting justice for the loans that I should not have to go back. They are destroying my credit and I can not and will not pay the loans back for a degree I did not get to complete I will eventually have to file bankruptcy if the loans aren't forgiven. Many students got their loans forgiven because of the fraud XXXX  colleges committed and I should be one of those students.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We entered in a trial modification agreement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX each month payments in the amount of {$320000.00}. Instead of the three ( 3 ) payments they said on the offer they us to continue until we received the final documents so that we would not be in arrears. 

Even though we did not receive our documents to sign until XX/XX/XXXX, the documents are dated XX/XX/XXXX. After the execution of the documents the payments were : {$3100.00}. We made the payments, but we realized that what they said was owed was not right and how were all of the trial payments credited to my account? 

Every statement that was sent to me stated that i was in arrears? I have a statement that shows that I had a suspense amount on my statement of {$4800.00}, I still do not know how that amount was applied? 

We are making payments every month, it seems as though the more payments we may the more the statements say that we owe? 

When we call SLS it is going around in a circle, they put you on hold and then you get a lecture from a representative about not being able to afford the mortgage. 

They change the payments without your knowledge???? 

We want our mortgage current but we need your help to sort this out, trying to get someone in this company to clarify this issue does not work. 

Please help us.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (AZ)

I have a credit account with Paypal. I ordered an item from them and was unaware that I had reached my specified limit on my account. They attempted to process the charge and posted it as a negative ( {$33.00} ) to my account when it should have been declined. 

In turn I never received the stated item that I had attempted to purchase and thus reached out to them to dispute the purchase. I have never heard anything but have continued to pay my bill on time every month. 

Recently I was locked out of my Paypal account. I attempted to contact paypal and was forwarded to a collection agency. 

It appears to me that they took the amount disputed and sent it to collections without processing the dispute. Now when I call their customer service they route me directly to the collection agency who is unable to do anything but set up payment
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (MI)

Equifax and the other two burus is reporting an old XXXX XXXX account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX  and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

Citi directly marketed a new credit card offer to me. The offer promised XXXX bonus miles with XXXX XXXX with a minimum spend of {$3000.00} within 90 days. I met the spend requirement and never received the miles. I contacted Citi to ask why I had not received the miles and they informed me it was due to the fact that I had closed a similar card with them within the prior 24 months and that this 24 month rule was disclosed in the terms of the offer. 

It is extremely misleading for them to proactively make me an offer when they knew full well I would not qualify based on the 24 month rule. When developing their lead file for this offer they could easily apply the 24 month rule filter to weed out customers like me who do not qualify for the offer. How can they be allowed to be so reckless in their marketing techniques. This is astounding and unacceptable. This type of deceptive marketing must not be allowed.
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

CFPB complaint # XXXX trans union updates a false claim on my credit report further more have shown documentation that trans union is claiming they is validating debt off of. Furthermore it states I disputed personal information on my credit name, employer etc. thats my right under the fair credit report act - trans union also removed over 5 miss-spelled name over 4 incorrect address etc.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 60 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (CA)

Receivables Performance Management is inaccurately reporting on my credit. I satisfied my financial obligations with the original credit and there should have never been a balance reporting or sold to a collection agency. I have attached my proof of payment to the original credit AND even attached proof of a letter directly from the original creditor. Please delete this account from my credit asap.
Consumer complaint received 2022-04-04
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: TD BANK US HOLDING COMPANY (UT)

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Nordstrom/TD Bank resulting in fraudulent inquiries on my XXXX credit report from TD Bank . I exhausted all reasonable attempts to contact both TD Bank and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. TD Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent TD Bank inquiry removed from my XXXX Credit report. The dates of the fraudulent TD Bank credit report inquiry is XX/XX/XXXX. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by TD Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with TD Bank.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

XXXX has violated numerous laws. Ontop of its frivolous violations of regulation E and settling its lawsuit i brought against them and then breaching the agreement in fraud. They intentionally and punitively reported incorrect information to early warning systems and then XXXX XXXX, the high ranking Managing Director in the Legal Department who oversee litigation for Consumer Banking has accused early warning systems of violating the fcra and strictly blames them.
Consumer complaint received 2022-04-04
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. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I dont know this lender and dont know who they are. This is a third party lender who does not contact me nor has sent me any indication of what this is? I have no accounts with these lenders. They are showing up on my credit report. 

Through my rights, in accordance with 15 U.S. Code 1692g, I old the right to verify the total debt amount, including any fees, and who the original party that is making the claim. violation of 15 U.S. Code 1692d nd shall be subject to State and Federal penalties.

appreciate your efforts in this matter and look forward to your response.
Consumer complaint received 2022-04-04
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

Creditor Information XXXX XXXX, XXXX. 
XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Services keep calling me at least once a day and up to 3-4 times a day. They have also called my employer to try to collect a debt and this is against my rights and they have no reason to call my employer. I have asked them to send me any paperwork regarding the debt however I have not received any paperwork nor have any collection remarks on my collection report from Portfolio Recovery Services. Below are the dates and numbers they call me from. They have used at least 20 or so different numbers. 
XXXX - XX/XX/22, XX/XX/22, XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 The harassing and continued calling needs to end. This is unacceptable.
Consumer complaint received 2017-06-22
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. (MO)

I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!
Consumer complaint received 2022-02-19
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. (GA)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting AcXXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/2008 XXXX XXXX Balance {$0.00} XX/XX/2008 XXXX XXXX Balance {$4000.00}
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/2024 I applied for Capital One Quicksilver card and received an approval email on XX/XX/2024. Please see the copy of he approval email. 

XX/XX/XXXX XXXX XXXX I received email stating my card was in the mail and would arrive by XX/XX/2024, please see the copy of it. 

XX/XX/2024 I was unable to activate the card by calling their activation phone number because they said did not recognize my phone number. My phone number was the same one I used when applying for the card. They requested that I send a copy of my drivers license via a secure link, which I did. Please see a copy of it. They activated my card and the card was ready for purchases. 

XX/XX/2024 I attempted to use my card on a XXXX XXXX XXXX, but they declined the transaction. When I called Capital One, they said it was due to suspicious activity. I confirmed it was me making the purchase and waited three weeks, but the issue was not resolved. 

XX/XX/2024 I called again because my card was still blocked. They requested my drivers license again via a secure link. Please see a copy of it. I sent them the drivers license copies. They assured me on the phone that they would call me once the issue was resolved, but they never did. 

Early XXXXXXXX XXXX Since there is no Capital One branch in XXXXXXXX XXXX I visited the Capital One XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I explained the situation and my frustration to the staff there. The responsible person called Capital One several times to help me. After this visit, Capital One requested additional documents, including my drivers license and proof of residence via a secure link. Please see the attached copy of the email dated XX/XX/2024. I sent the requested documents, including a copy of my drivers license and the most recent electric bill from XXXX XXXX. 

A couple of weeks later : A representative from Capital One called me and requested that I stay on the line for a three-way conference call with XXXX XXXX to confirm the name and address on the electric bill. While waiting on the line, the call disconnected, and no one from Capital One called me back. The representative did not provide a callback number either. 

XX/XX/2024 : As of today, my card is still blocked due to Capital One 's mismanagement and miscommunication, despite my best efforts to resolve the issue and comply with all requests. Meanwhile, I continue to receive promotional emails and auto-payment notifications as if I were able to use the card. Please see the attached copies of these emails and my electric bill showing my name and address for your reference.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I received an alert on my credit report saying I owed Columbia Debt Recovery {$7200.00} in collections debt. This claim is wrong and I have reported the claim as fraud to the company and in order for them to process my request, they said I needed to file an FTC complaint and then have it notarized.
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (TX)

I took out a loan from Mobiloans in the amount of {$1800.00}. I have been making payments on the loans and have already paid in excess of {$4300.00} for the loan. When I tried to settle the account, I was told that the amount that would have to be paid was {$2500.00}. I thought this type of fees and interest rate were illegal. My husband is no longer able to work, and I am no longer able to make payments. I have attempted via phone and email to settle the account. I told the company that I could settle the account for the amount of {$250.00} but I never received a response.