davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services ()

Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message.

I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their XXXX, who was also unable to help and could not suggest how to resolve the issue. 

This means that my only method of paying my student loan ( as I live outside the country ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. 

Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end.
Consumer complaint received 2019-05-01
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: Credit Counsel, Inc. (TX)

This people are rude below is the paperwork of my loan they didnt give me credit for my gap insurance Everything circle on my paperwork are the amount of both loans the Original and the refinance amounts
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (GA)

My girlfriend and I broke up, she didn't take it too well so she started tripping out and called the police, the police told me I had to leave, she would not give me any of my possessions ( my wallet which contained my debit card, social security card, etc ) my social security money is deposited on the XXXX of every month at XXXX, my wallet was in her possession from XX/XX/2022 to the evening of XX/XX/2022, there were 2 withdrawals on XX/XX/2022 the first withdrawal occurred at approximately XXXXXXXX XXXX and was followed by a second withdrawal at XXXX XXXX. I have not ever nor will I ever give anyone consent to use my card, I called my bank which is " direct express '' and I made a report, I repeatedly told them that I have not given anyone permission to use my card and that I wanted the money that was stolen to be reimbursed and for legal action to be taken on her for stealing it, they denied it and told me I gave her consent to use my card, which again I have not and will not ever consent to someone using my card. They denied my claim and told me that I gave her permission, so direct express has failed to do a proper investigation of my claim and are denying the reimbursement, I have paperwork, evidence, and I've filed police reports and I hand wrote a statement as well, my rent is due towards the end of this month and I have not been able to get food either, I intend to file a lawsuit against direct express bc due to their inability to do the job that they were hired for and it has caused a variety of issues for my quality of life, I did research and everything I read said I needed to file a complaint through this site, please help me obtain the justice that direct express wrongly denied me of.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

I purchased a prepaid Visa for {$200.00} at the XXXX XXXX in XXXX Oklahoma on XX/XX/2023. It is branded Vanilla with website VanillaGift.com. I gave the card as a gift to my brother. 

The card could not be activated. After speaking to the store manager, XXXX refused to help, directing me to Vanilla instead. They also refuse to help without a receipt which I no longer possess. 

It would be completely possible for XXXX to help by retrieving the receipt from their records. They refused. I spent {$200.00} for a gift for my brother and it seems to be money handed over to them with no product or service any return. I've been defrauded.
Consumer complaint received 2019-06-30
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. (NC)

XXXX and TransUnion repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from XXXX and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

equifax still refuses to remove accounts on my report i reported as fraud. XXXX  XXXX XXXX and XXXX XXXX XXXX. i have sent the proper documentation to have those accounts removed and they keep giving me different answers. saying they cant read the documents or information is missing on the documents.
Consumer complaint received 2019-06-30
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX-XXXX and I have filed multiple complaints with Experian, XXXX and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Consumer complaint received 2022-12-14
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)

XXXX. XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

Notice for Proof of Claim Account : MIDLAND CREDIT MANAMENT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection XXXX XXXX. Section XXXX ( g ) : Under the XXXX, FDCPA, XXXX XXXX ( g ), you have XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Today, I had a lender pull my credit for a new home loan & I was shocked to find out that Select Profiolo Service had been reporting me late on my mortgage with them even though I had requested forebearance during covid due to loss in income. I was informed that I was reported 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-07-26
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. (IN)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

SUMMARY : I believe that my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that all XXXX of my loans are considered when I submit my final certification and application for loan forgiveness soon. 

DETAILS : I am a public employee, and I originally had XXXX " direct '' loans and XXXX XXXX loan through the the loan servicer Nelnet. I submitted my XXXX certification in XX/XX/2022, and successfully consolidated the XXXX loan to a XXXX loan. 

Unfortunately, XXXX of XXXX my direct loans were never transferred from Nelnet to XXXX ( or to XXXX, who XXXX have been the XXXX servicer at the time ). I believe they should have been transferred due to their eligibility for XXXX, given that I submitted my XXXX certification in XX/XX/2022. 

I've been reaching out to Nelnet since XXXX, but have not received any answers regarding the status or eligibility of the XXXX remaining direct loans that they still currently hold. When asked about these loans, Nelnet consistently relies on sending template-like responses which not only answer any questions regarding the XXXX-eligibility of XXXX loans, but also seems to completely disregard my requests for guidance on how I can help ensure that these XXXX loans be considered for loan forgiveness within the next XXXX XXXX ( as I anticipate meeting the XXXX requirement very soon ). 

As a quick recap, I believe that all XXXX of my my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that the remaining XXXX loans with Nelnet are also considered for forgiveness when I submit my final XXXX certification/application in the next XXXX XXXX. 

I have email transcripts of my exchanges with Nelnet to support my account of the situation, as well as a history of all correspondence and documents I've received from Nelnet throughout this time period.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (MN)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  S on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2023-01-03
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. (RI)

I sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2020-11-10
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: AFNI INC. (MD)

Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to XXXX  but was not removed, mailed certified letter to collection agency AFNI , INC. on XXXX XXXX ; for debt validation no response received within 30 days. Contacted XXXX  in XX/XX/2020 to have inaccurate information removed and it has not been completed. AFNI, INC. {$820.00}.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a complaint on Bank of America 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens.

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different. 

Bank of America must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what their constitutional rights are.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/2023 Mr.Cooper asked for proof of my hazard insurance policy and it was provided to Mr.Cooper. In XXXX I received a forbearance letter from Mr.Cooper stating I owed an escrow account and my monthly payment had gone up without any notification. Mr. Cooper added an DIC insurance policy escrow account in XX/XX/2023 without any notification to me, to let me know my payment had gone up, to pay for insurance I already have. I spoke with Mr.Cooper`s Insurance department and they stated my insurance is adequate and Mr.Cooper should not be charging me a DIC insurance policy escrow account, but the billing is not responding to me or Mr.Cooper`s Insurance department either. So here I am pay for Mr.Cooper`s fraudulent DIC insurance policy, what kind of scam is this?
Consumer complaint received 2023-07-26
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: JPMORGAN CHASE & CO. (NH)

On XXXX XX/XX/2023 my wife attempted to book a room at the XXXX XXXX, XXXX NY using an on line booking service. The booking was made through a third party, possibly XXXX, although on line it appeared that she was communicating directly with the XXXX XXXX. 

Immediately after the booking had been made my wife received an email from Chase Fraud Alert. The email referred to a transaction with XXXX XXXX , and indicated that it had been declined. She was given the option of confirming that the transaction was legitimate, and trying the purchase again ; or of denying that it was legitimate. As the notification came from Chase Fraud Alert, and the amount shown was much greater than what had been indicated during the booking, {$1800.00}, my wife selected the No, somethings wrong option. Our Chase cards were immediately cancelled. Note that the email stated that the transaction had been declined, and that we would not be charged unless we tried the transaction again. 

Over the next few days my wife contacted the desk at the XXXX XXXX to make sure they understood that we wished to cancel the booking. She also called Chase customer service to make sure Chase understood we would not be staying at the XXXX XXXX and did not expect to be charged. The third party that handled the booking was very difficult to locate and contact but she did eventually speak to someone who claimed to represent them and advised them that we wanted to booking cancelled. 

Although my wife notified Chase, the XXXX XXXX, and the third party booking agency that we would not be staying at the XXXX XXXX and that we wanted the booking cancelled we were still charged for the room. My wife disputed the transaction with Chase via Claim ID XXXX, but Chase decided in its own favor that the transaction was valid. We disagree. 

In summary - Chase Fraud Alert notified us that the transaction might be fraudulent and we moved to cancel it immediately - Chases email said the transaction was declined and that we would not be charged - My wife notified everyone involved in no uncertain terms that we wished the booking cancelled - We never stayed at the XXXX XXXX, XXXX NY - Chase charged us {$1800.00} anyway, and when we disputed the charge they declined to cancel it Attachments ( 1 ) copy of email from Chase Fraud Alert ( 2 ) copy of letter to Chase regarding disputed transaction ( 3 ) copy of letter from Chase regarding disputed transaction
Consumer complaint received 2020-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KS)

I have been trying to do my recertification for income sensitive payments since XXXX. I have mail, I have faxed my proof of income 3x, plus mailed in twice, gave called navient several times. I'm on XXXX and I get one form at the first of every year stateing what amount, what day and year i will be receiving my direct deposit. I got my student loan in XXXX and every year since then I have mailed in this same yearly form. This year for some reason they will not except it. I was told again today that my letter of benefit amount will not be accepted. It has the date, the amount, the year my funds will deposited into my account. So I was told They want a letter for when I was first approved for temp XXXX clear back in XXXX.That letter will have not show my proof of income for XXXX. I don't understand why this year it's not being excepted. I'm going to be in default on my loan now because of this.I don't know what to do