davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority.

I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt.

The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account.

I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I already submitted a complaint on XX/XX/2021 thru CFPB XXXX and I really appreciate for your quick response to my situtation with Specialized Loan Servicing. I already got a proposal from them and I am pleased that my Foreclosured got postpone to XX/XX/2021 to have time to review my situation. I got a proposal to modified my loan and to get a lower payment. But this proposal is asking for me to give upfront funds as down payment in the amount of {$16000.00} which I don't have that kind of funds. I had funds 2 years ago for a settlement. But this present time due to Covid-19 I was impacted drastically with my financials. I have no way to give that kind of funds. I really want to keep my home but need to reconsidered this proposal. If they can deferred the down payment to the end of my loan I will be able to pay the new monthly payment their offering. But their is no way I can come out with {$16000.00}. I am attaching a copy of this proposal
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (MN)

I was approved for a {$1500.00} personal loan with Upgrade on XX/XX/2021. {$750.00} was to be paid on a personal loan to XXXX. I have contacted Upgrade 's customer service and they are unable to locate funds. I have checked my account with Upgrade and no allocation of funds shown and can not be found. I checked my XXXX loan there are no funds dispersed to that account. I contacted Upgrade 's Loan Servicing department and the money is not found. However their charging me interest on money which can not be found or given. I would like to have this loan rescinded and no interest charged.
Consumer complaint received 2021-09-24
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

I submitted an application for in-school deferral on XX/XX/XXXX. As of XX/XX/XXXX there has been no action taken on this application, despite their website advertising that applications are reviewed between XXXX business days. 

I have contacted Nelnet multiple times via email and spoke with XXXX Account Managers and multiple call center representatives to request updates on my application status. I have only received automated responses from the email and over the phone I am only told that I will have to wait for my application to be reviewed and that " the team is just backed up on applications. '' When I asked for a timeframe on when I can expect an answer, they were unable to provide XXXX. This is unacceptable. 

I asked to escalate the matter and was told " it wouldn't make a difference with the processing team. '' The Account XXXX pulled up my application while I was on the phone and told me it looked fine and would likely be approved. I asked him why he couldn't just approve it and he told me the processing team needed to do that. It seems inefficient for Account Managers to take escalation calls if they can not intervene in routine situations like this. 

When I asked if he could contact the processing team directly, I was told that wouldn't make a difference either and that they would only expedite my case if there is a " negative consequence '' caused by the wait time. Meanwhile, my account continues to accrue interest ( no interest will be accrued once the deferral is approved ) and I had to ask to be placed on temporary forbearance while the application is reviewed or I would have been overdue. When I explained that I would have been overdue on payments ( XXXX of the examples of negative consequences he provided ) if I had not asked to be put on forbearance, he tried to backtrack and told me they could have expedited it if I hadn't asked to be put on forbearance. 

At this point, Nelnet 's behavior feels dishonest as it directly benefits them to delay the approval process as much as possible because I will continue to accrue interest on my account for every day they delay. This feels predatory, especially because borrowers do not get to choose their student loan servicer, so I do not have a way to advocate for myself or rectify this situation. 

Furthermore, Nelnet should be appropriately staffed at this point and should not use " being backed up '' as an excuse for long processing times. Payments resumed in XX/XX/XXXX, and a company contracted with the federal government should be held to a high standard and expected to staff accordingly. They know how many borrowers they are servicing, so there is no excuse to be unable to handle the volume of applications for XXXX plans, deferrals, etc. ( especially in a time of high inflation and COL ).
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OK)

On XX/XX/2022 a collections notice was placed on my credit and I was notified via XXXX. Sadly I was unaware of any outstanding debt. A company called Credence Resources was the collections company that had filed on my credit effectively lowering my credit score by XXXX points overnight putting my business and borrowing abilities at risk. I contacted Credence as soon as they opened and was informed that there had been an AT & T account set up either in my name or social secruity number. I had never received any calls or emails attempting to collect this money becasue the account was clearly fraudulant. I have since notifiy the big XXXX credit bureuas of the fraud as well as XXXX and filed a police report. My biggest concerns is XXXX XXXX XXXX and Credence Resources severe neglect in not checking my XXXX current upstanding acocunts that have been active for many years now. How XXXX XXXX XXXX  or Credence never called me or connected the dots that I have XXXX perfect accounts for multiple years ruining my credit with their negligance of checking social security numbers against existing upstanding customers.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was the victim identity theft many items shown on my Transunion, XXXX and XXXX are not belong to me I was requesting remove them and hot having positive results so far 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 are reflecting on my reports are unauthorized accounts.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (MD)

According to XXXX XXXX and XXXX XXXX, with the legal department at LENDMARK XXXX once the settlement was paid, my credit report would be updated to, PAID CHARGE OFF, which was PAID for less than the full balance owed!! ( SEE ATTACHMENT DATED XX/XX/XXXX ). Unfortunately, as of today XX/XX/XXXX LENDMARK has intentionally manipulated the update to sabotage me. 

NOTE : XXXX and XXXX updated a month ago. XXXX, is the most unscrupulous reporting agency. XXXX the regional LENDMARK XXXX told me, WE ONLY WORK WITH XXXX! So, XXXX clear he meant XXXX condones the manipulation of scoring.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been getting multiple calls from multiple different numbers even after blocking some. 
On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-09
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX ESQ.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I have been denied my request for a School Misconduct Discharge Application. The reason I received was that my consolidation loans do not qualify. This does not make sense because both loans that were consolidated were issued by this company- Navient formerly Sallie Mae and consolidated by Sallie Mae Private Consolidation as well. 

The original loans were disbursed on : XX/XX/XXXX in the amount of {$13000.00} and XX/XX/XXXX in the amount of {$10000.00}. They were both consolidated through the Sallie Mae Private Consolidation Loan Program in the amount of {$27000.00} on XX/XX/XXXX. ( All documents attached ) I am aware that Navient was sued by 39 state XXXX regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit schools ''. 

My school, The XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX closed it's doors in 2017. Students at these schools were mislead by admissions representatives to sign up for loans by their preferred lender- Sallie Mae ( now Navient ), and they knew students would not be able to pay back in a timely manner. We were also guided to apply for forbearance and deferment by the school 's student loan office. These predatory lending practices are unethical and unfair to thousands of students that put their trust in these institutions. We were also mislead with career services and job opportunities upon graduation. There was zero assistance or correspondence in anything upon completion of these programs except how to put ourselves into more debt by forbearance or deferment.
Consumer complaint received 2019-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have previously filed a complaint directly with Bank of America regarding a Fraudulent Credit Account that was opened in XX/XX/2018. The Bank refuses to remove the account it is fraudulent I never applied for a Bank of America credit card account no one from the fraud department reached out to me via US Mail to resolve my complaint instead they attempt to compel me to pay the debt that I did not benefit from nor do I have any knowledge of who applied for this Bank of America credit card account.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I am the owner of a Coinbase account that is a cryptocurrency investment company. From several months the company has blocked my account with the words " account under review ''. I have tried to contact the company but it is impossible. I have carried out all the steps that have been requested but it has not served at all. It is a closed circle in which you can never talk to anyone.I have sent them all the documentation several times but it can not be solved. 
My account is associated with the mail XXXX and my name is XXXX XXXX XXXX from XXXX. The password of the account is XXXX @! 
The documents that I have attached are the driving license and the national identity documentation fof XXXX. These are the documents that Coinbase have from me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-24
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: Westlake Services, LLC (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've been attempting to resolve issue of missing payments in amounts of {$5100.00} as well as {$690.00} for several weeks, an affidavit was mailed in to Wells Fargo Remediation Dept several weeks ago, still shows pending with no information. From what I understand, Wells Fargo is attempting to recover funds before honoring their commitment to myself for these payments... These payments were offered to me by reps XXXX XXXX and XXXX XXXX via Wells Fargo XXXX XXXX. The payment amount, {$5100.00}, was offered to me over the phone in XXXX of XXXX, check intercepted and cashed by a third party which was investigated and supposedly reissued and never received.. The payment amount, {$690.00}, was offered to me by XXXX XXXX via phone mediation in XXXX of XXXX, never received.. The payments were sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX after I moved which was in XXXX of XXXX. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, moved here in XXXX of XXXX. Wells Fargo reps reply to CFPB complaints by referring to checks as cashed in which case, not by myself. It appears a relative intercepted, cashed checks in my name, do not know for sure. Reps also refer back to prior replies which state the same, checks cashed and no mention of affidavit sent in XXXX which was located and sent in several weeks ago.. As the CFPB can see, Wells Fargo reps continually avoid addressing issues by referring to replies which do not address non-receipt of payments. Further, as explained in numerous prior CFPB complaints, payment amounts are inadequate, do not cover damages sustained due to Wells Fargo reps opening accounts I did not need or want. The last rep, XXXX XXXX, whom has replied in the past and gave same run-around response, again referred back to prior replies which state checks cashed ... As the CFPB can see, Wells Fargo XXXXeps repeatedly use run-around reply, avoid addressing issue of missing payments and inadequacy. Most recently, I've been calling Wells Fargo Executive Office as well as XXXX XXXX Bank, given case numbers which are not resolved, no reply in re and or attempted to refer to XXXX XXXX which has nothing to do with remediation program, another run-around. In closing, the CFPB might want to investigate Wells Fargo Remediation Program as well as their behavior in handling these complaints including detailed above. Wells Fargo reps claim they will not keep replying, in which case such replies are a mere run-around and complaints will be filed with other agencies, if not resolved.