davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NC)

Nelnet is the root cause. I attempted to change my IDR plan to SAVE to avoid being crushed any further with interest and high payments on the studentaid.gov website approximately a week into XXXX. At some point XX/XX/XXXX or before, Nelnet showed it was processing the request. On XX/XX/XXXX it showed Status : Complete. Then 3 days later they suddenly decide its not complete and claim to need more information. They claim to have emailed me, but they most assuredly DID NOT. Now they wont respond to emails or phone calls to tell me whats supposedly missing. Ive signed up to auto release my tax info so this is nothing more than a shake down to STEAL money from the working man/woman. 

What good is smooth service on studentaid.gov when my loan servicer just feigns incompetence so they can keep enjoying giants bags of my interest money while thinking of new and exciting delay tactics to add to their playbook of white collar crimes. 

If Uncle Sam really is still number one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Nelnet.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Equifax has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Equifax has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Equifax practices are not in line with the FCRA 's requirements. It appears that Equifax may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Equifax complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (NY)

Rubin & Rothman LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX License Number : XXXX Rubin & Rothman LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with Rubin & Rothman LLC , I LLC d/b/a XXXX XXXX XXXX. XXXX XXXX or " XXXX XXXX '' This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$1200.00}.
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

The debt is for {$240.00} and GLA Collection Company , IncXXXX is the collection agency. 

XX/XX/2018 : Received initial bill from XXXX XXXX in XXXX, IN for {$240.00} in the mail XX/XX/2018 : Paid bill in full XX/XX/2018 : Received collection notice from third party debt collector ( GLA Collection Company ) This is an aggressive and unfair practice. The contact information for GLA Collection Company is : XXXX XXXX XXXX XXXX, KY XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-02-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX   from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}. 

I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information. 

He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.
Consumer complaint received 2018-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

numerous dates the past month or so i have received this same following text message from nelnet ; "  Not too late to get help on your Nelnet account. Reply YES to postpone pmts for 12 mos due to hardship but intend to repay. XXXX Reply STOP to OptOut '' the text messages have been sent from following number ; XXXX for approx past year or more i have received numerous incorrect statements via XXXX XXXXl mail, approx two years ago or more i submitted all required and requested documentation concerning my total XXXX XXXX, spoke to nelnet collection department was informed at that time this loan had been forgiven based on federal disability laws, nelnet continually harasses with mail and text messages and with illegal collection practices, this is also a problem that has created issues on my crediit reports, i would appreciate any action you can take to correct and resolve the thrreatenig harrassment and if you can help correct and / or reverse the damage this has caused me concerning my credit reports, its my firm belief that nelnet is in violation of several federal civil rights laws and i feel it is imperative for myself and other consumers that legal action be taken against nelnet to correct their illegal, unprofessional incompetent record keeping, etc, thanks
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion has intentionally made it difficult for their user to cancel there subscription : 1. there is no entry to un-subscirbe 2. there use to be an faq regarding unsubscribe but they now remove it 3. support call been redirect to automatic machine, with no option to unsubscirbe After repeated request they will eventually cancel it.
Consumer complaint received 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My capital one credit card ending in XXXX went delinquent XX/XX/XXXX, I was told that the account would receive a hardship. In XXXX of XXXX I found out that the hardship was not in place and paid the account off XXXX XXXX. Capital is reporting delinquent 90 days XXXX for XXXX.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a natural born citizen of the United States of America. I have rights under 15 USC 1681.

Equifax are govern by 15 USC 1681. They have violated my rights numerous of times. I am demanding the accounts listed below be remove from my credit file.

Why? According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX  account number XXXXXXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX
Consumer complaint received 2018-09-15
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)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX  and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (TX)

I was unemployed and they still wanted me to make payments. When I was employed I was working at a temp agency making only enough money to cover my rent and bills and they STILL would not lower my payments based on my income. When I was telling them of my situation each time they made excuse on why they could not or would not lower my payment. When I was unemployed a csr agent advised me to sell my plasma. I thought it was rude of them to ask me to do something like that. But I did not know who to complain too.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (NC)

In XXXX XXXX XXXX I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ). 

Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account. 

I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release. 

On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail. 

Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually. 

The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls. 

Many different branch reps had no idea what was going on with regards to this hold. 

During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ). 

Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank. 

We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations. 

No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney. 

She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

In XX/XX/2020, I got an email about my JCPenney credit card statements. It said that starting the first of XXXX, I wasn't getting paper statements any more. They had changed my statements to electronic only, and if I wanted to change it back to a paper statement, I needed to click a link in the email. I don't EVER click links in unsolicited emails, and I've had many fraudulent emails from ppl claiming to be from a bank or company that I use. I ignored it, because when I XXXX  if it was legal for a company to do that, I found it was NOT legal. Then I got ANOTHER email from a different store credit card through Synchrony saying the same thing. I don't usually check my email more than once a month, unless I'm looking for tracking info on a package I'm expecting. I called the company, and told them it was illegal for them to be changing my billing without notifying me BY MAIL. As far as I know, it was changed back, but I've now gotten an email about a card in my wife 's name with the same garbage tactic. I believe it's to make millions in late fees by changing billing and hoping lots of people like me won't see the email or won't respond. They also refused to put ANY of my payment amount towards an " 18 months no interest '' promotion, so I'm going to get hit with hundreds of dollars in back interest in the fall. They also suddenly lowered credit limits on two accounts to just over what my balance was, which caused a 60 point drop in my credit score. There were NO late payments, missed payments, or anything else. ALL of my credit cards have been in good standing. This company is corrupt, is doing illegal things and is destroying people 's credit in the middle of a historic pandemic. 
Their business practices are designed to cause harm to consumers and attempting to use fraud to make money from late fees, over the limit fees, and raising interest rates as punishment for the results of what THEY are creating.
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

On XX/XX/2019 I had an automatic payment scheduled for my mortgage for {$1400.00}. Also on the XXXX, I accidentally paid a second mortgage payment for approx {$1400.00}. I called Wells Fargo to inform them of the problem. They put in a work order to stop the second payment of {$1400.00}. Two days later I went to my bank to close the account and move to a new bank. This was completely unrelated to the mortgage issue. Before I was allowed to close my XXXX account they informed me that all Pending transactions had to post. When they looked it up I didnt have any as Wells Fargo had cleared XXXX days prior. Now Wells Fargo has reversed not only the XXXX payment but also the first XXXX as well. They told me to call XXXX and when i did XXXX informs me that the {$1400.00} cleared my account and was posted to Wells Fargo. I FINALLY got a person at Wells Fargo to admit they had the money but were attempting threXXXX times to send it back to XXXX. I told them to stop because I didnt want it sent back to XXXX but to no avail. Now Wells Fargo is holding my {$1400.00} while at the same time claiming I havent made a payment for XX/XX/2019?!?!?!? HELP!!!