davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc. (NM)

My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

My Chase Bank online statement lists balances for checking, savings, and three credit cards ( old and new ). On XX/XX/XXXX I saw balance for card ending XXXX was {$0.00}. But I had XXXX reward points ( equivalent to {$540.00} ) and the statement showed 0 points. 
I called Chase and said I wanted to claim points but they were not on my statement. 
XXXX said they would follow up and get back to me. 

Chase letter of XX/XX/XXXX said the card ending in XXXX was closed by the bank on XX/XX/XXXX. As per terms and conditions of the reward program, if the account is closed for any reason the reward points is forfeited. 

I protested an unfair situation on the phone and visited my Chase Branch and received no satisfaction. Called again by Chase on XX/XX/XXXX and told they would not give me my points ( money ). 


I have a very active checking, savings account and a very frequently use my preferred Chase credit card for which I pay an annual fee of {$95.00}. 


I had no reason to believe Chase would close card XXXX and CONFISCATE my XXXX points since I am an active Chase client always in good standing. 

I never have been provided a copy of rewards terms and conditions. 

Chase never told me that my reward points were to be confiscated. They never offered to send me a check. They never offered to transfer my reward points to my very active Chase Sapphire Preferred card. 

Chase has policies that are self serving and lack adequate protection for clients in my situation. 

Chase had ample opportunity to notify me so that I could protect my reward points. I receive statements every month and I call the card center on various occasions. Chase was there to confiscate my {$540.00} but not to responsibly give me the opportunity to collect the reward I earned. 


My statements did not clearly show reward point status for card XXXX and online reward points are not show except buried on subsequent screens. 


Please get Chase to restore my CONFISCATED points ( {$540.00} ) on the card they closed for no valid reason. 


Please get Chase to initiate policies that also protect the client and not only them.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Consumer complaint received 2022-07-08
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. (FL)

A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (FL)

On XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that calvary cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Hello, I had closed my chase account on XX/XX/XXXX or had at least requested it to be closed at that time. They told me that they would send me a check with the 20 dollar balance that was on the account when i completed the account closure. In early XXXX I did call back to check to see what the status was on the check. The representative I spoke to said I had nothing to worry about and to just wait for the check. It is now XX/XX/XXXX. I recieved a letter from chase stating that the check was dispursed on the XXXX of XXXX. Still havent recieved the funds. Attempted calling again but the line hung up on me and when i attempted to call back they said they were closed. Could you please help me recieve my 20 $ from my account?
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Intercoastal Mortgage LLC (VA)

We are in dire need of your assistance. We have recently entered into a construction mortgage with Intercostal Mortgage company. We have spoken with XXXX XXXX, our licensed loan officer about obtaining a mortgage. 

He told us on multiple occasions that the mortgage rate lock would be 3.5 %. We have this in writing and we believed him. He told us he would lock the rate right after closing at 3.5 %. This was a lie. It has been 3 months and we have gotten no where with this company. We finally had to reach out to the president of intercostal mortgage for assistance. He just tonight XXXX sent us the rate lock paper work. In order for us to get the rate lock of 3.5 % that were were told we would get, it would now cost us {$58000.00}. We simply of not have this money. Could you please assist us? 

We really need your help. 





From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX, XXXX XXXX XXXX Cc :, XXXX XXXX XXXX Subject : Re : ACTION REQUIRED We will lock your 3.5 % long term on your permanent mortgage. 4.25 % is locked for your construction loan. Your perm loan is not locked yet and we will lock as we discussed shortly after closing. 

XXXX XXXX XXXX # XXXX Vice President & Senior Loan Officer Intercoastal Mortgage Company XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2019-08-30
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. (NJ)

I got divorced in XX/XX/2018. My husband has a dispute with his electric company. He has settled the dispute and moved forward with a payment plan. I have not lived in the property where the electric has been used for over two years. 
I reported this to Transunion and they supposedly investigated it. Nonsense. There is no possibility this was properly investigated. I do not have anything to do with this debt.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/2018 I received a solicitation in the mail to apply for a XXXX XXXX credit card issued by XXXX XXXX. They were offering {$75.00} bonus money if I spent {$500.00} in the first three months ( {$25.00} credit with my first purchase, {$50.00} after spending the {$500.00} ). I applied online and was approved on XX/XX/2018. I received and began using the card on XX/XX/2018. I received the initial {$25.00} bonus credit from the credit card company on XXXX-18. On XXXX-18 I had charged over {$500.00} and paid the amount in full on XXXX-18. I have not used the card since then. I waited to receive the second bonus payment of {$50.00}, and when I didnt receive it, I emailed the company on XXXX-18 and again on XXXX-18 asking where the bonus money was and was told they would look into it. On XXXX-18 I received a letter in the mail stating that my request had been processed and to allow up to two billing cycles to receive my credit. I finally received the credit to my account on XXXX-18. On the same day, I tried two different times to use my credit card to spend the {$50.00} credit and was told my card was declined. I called the customer service number on the back of the card, and after going around and around in the automated loop for what seemed like an eternity, I finally reached a real person. She said that my card had been blocked and she would transfer me to the department that handled that. When she did, an automated message said that number is no longer in service and it disconnected. I just went online trying to access my sent messages to get the correct dates to file this claim, and for no reason it logged me out. I believe I am getting the runaround because I no longer use the card, and that they are purposely making it impossible for me to get the bonus money that they owe me.
Consumer complaint received 2020-09-13
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. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-08-01
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. (MA)

I was the cardholder for a XXXX XXXX Store Card Account in XX/XX/2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact XXXX XXXX directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that XXXX XXXX does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in XX/XX/2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

I have XXXX accounts reporting from amerifinancial solution on my credit report. Ameriinancial bought this debt from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). i do not owe neither one of these companies and this  inaccuracy on my credit report need to be deleted. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request amerifinancail solutions prove that I am indeed the interested party who is contractually obligated to pay this debt to them.Do not send me a bill send me a copy of the contract i have with them and the rights they have to hold my name, ssn, date of birth, and address with their company.A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

This concerns XXXX XXXX aka Pennsylvania Higher Education Assistance Agency ( PHEAA ) I am concerned my loan payments are not being applied properly for XXXX XXXX XXXX XXXX. I have been paying off my loans since XX/XX/XXXX  primarily under income based repayment, however, there have been  short periods of time I paid the full amount each month. At that time, I was actively seeing employment in the private sector and anticipated leaving public service so I wanted to begin paying the full amount. I remained in my public sector position, though, and the period of time I paid under Standard Repayment was less than a year. Out of the 8+ years I have been paying my loans, I would say 3/4 of them were made under a income based plan. 
When I began paying off my loans in XX/XX/XXXX there was no paperwork or forms associated with XXXX, but I completed the employment certification form later on. I have worked for the same employer ( a government agency ) since XX/XX/XXXX so there is very little confusion as to the status of my public service employment. 
I was switched from XXXX to XXXX XXXX a few months ago. 
I was checking on my payment numbers on XX/XX/XXXX and feel they are inaccurate, as they only reflect a fraction of the payments I have made over the past 8 years. I called customer service and was informed ONLY payments made under an income driven plan " count ''. It clearly states the following on the XXXX website and I quoted this to the customer service agent : " NOTE : Payments you make under a 10-year Standard Repayment Plan or under any other XXXX XXXX XXXX repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year XXXX XXXX plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as XXXX, XXXX, XXXX, or XXXX, to benefit from XXXX. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' ( Rest assured, I have plenty of balance still left ). 

The customer service rep continued to dispute the information I was reading to her from the website. Customer service told me I can have my payments reviewed, but this process will take 6-8 months. This is completely unacceptable. I then filed a complaint with the XXXX XXXX office for XXXX and received an automated email stating an " expedited '' review of the case would be completed. There was no timeframe given for follow up or resolution. It is now 6 weeks later and I have received no further information from XXXX. 

Given the threats by " our '' : political leaders to end to the XXXX   program, I am making every effort to ensure my issues and difficulties are clearly documented.