davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.
Consumer complaint received 2017-09-01
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: Experian Information Solutions Inc. (MA)

I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
XXXX XXXX
Consumer complaint received 2017-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MA)

I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MO)

XXXX dealing with Selene Finance. For the last 3 months I have tried to resolve falling behind with house payments by calling regularly, I kept a record of phone calls, who I spoke with and what was discussed. I asked for XXXX XXXX to be sent to me and after a month of waiting for it and being lied to that it would be arriving within days I downloaded it myself and started faxing information they requested. Whenever I called to check status I was told I needed just one more document, went through that merry go round for another month. I was told my packet for modification was complete and would have an answer on the XXXX of XXXX, still no response. Called today and XXXX XXXX at Selene is unavailable. Its my understanding that once a modification packet is complete the sale date should be put on hold. I have never received any documentation from Selene regarding sale date. Im doing everything humanly possible to work with them and I cant get any clear response. I got behind on payments due to Covid a major XXXX  and a major XXXX, all documented and sent to them. I am doing well and have been employed since XXXX of 2022. This issue is destroying my life and I need help. Please, I know what theyre doing is wrong, I just want to get back to my normal life
Consumer complaint received 2021-07-20
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On about XX/XX/XXXX I established a Venmo account and included my local bank account number to transfer ( send to ) and receive funds from friends. I used the Venmo account XXXX times to send and receive funds. The last time I used the account was on XX/XX/XXXX. On that date I had requested {$490.00} from a friend for travel expenses. The Venmo app documents that my friend transferred the funds. I then transferred the funds to my local bank account. Subsequently, I checked my bank account and found that none of my transactions using the Venmo account were showing on my bank account. After further search on the Venmo app the account that was listed was an account titled " XXXX XXXX XXXX. '' That is, all of my transaction were being managed by a bank account that is not mine. I have never had a XXXX XXXX bank account. 
Thinking I might get some information re my problem, I called XXXX XXXX bank and gave them my social security number the the last XXXX digits of the account listed on my Venmo app, " XXXX '' Of course, XXXX XXXX could not help. I then called Venmo and lodged a complaint. In one business day I received an email from Venmo denying any resolution to my complaint/problem. The total loss to me, {$1900.00}, is not significant, but I still would like a refund or an adequate resolution. Curiously funds that I transferred to friends also never " hit '' my local bank account, but were also listed as coming from the XXXX XXXX account. Funds that should have transferred to me totaled {$2200.00} and funds coming from me totaled {$290.00}. This results, as above, a loss of {$1900.00}. 
Thanks for you kind attention to my complaint.
Consumer complaint received 2017-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

To Whom it May Concern : My complaint is against my loan service providers XXXX and NELNET. XXXX ( XXXX XXXX XXXX XXXX NY, XXXX. ) recently transferred my loan to NELNET. XXXX XXXX. XXXX XXXX XXXX, Nebraska XXXX ). I received a letter stating I was 75 days past due on my account. XXXX previously approved both an unemployment deferment and an income based deferment. Therefore I am disputing the status of my account ant the amount owed.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I listed an item on XXXX XXXX  on XX/XX/22. A buyer ( XXXX XXXX ) offered to buy XXXX items for {$800.00}. He tried to zelle me. He sent me a screenshot of the zelle. I then received an email saying that I needed to upgrade my zelle account in order to receive the payment. I had to send him {$500.00} and then I would receive my money. Once I did this, I got a fake email claiming to be zelle. It is then I realized it was a scam. I asked the sender for the money back and he refused.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACI Worldwide, Corp. (MD)

I was paying a traffic fine to the state of New York and satisfied the debt. ACI continued to deduct {$11.00} from my account. I've attempted once to resolve this and just recently sent another request to cease the debit.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account XXXX # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-02-14
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Credit collection company continues to harass and reach out to my family members Thru phone calls and text messages. I am estranged from my family and being threatened about the calls I have asked the agencies to not contact any one I have asked for proof of debt.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

My debit card was frauded and it was used to make purchases from a local gas station.I never used that gas station.Not me and not any family member.I am the only person that has acces to that debit card. 
I reported the fraud and even did a police report but Wells Fargo said that in the transaction the PIN number was used and they will not refund my stolen funds. 
They are saying that me or another family member used my debit card.I repeat that nobody has acces to my debit card and me and my husband worked in that day. 
My checking account is new.I have a car loan with them and I made a checkings account with them to transfer the funds more easy.I barely have 2 pages of transaction and my card was already frauded. 
My debit card was frauded 4 times in the amount of XXXX $ Wells Fargo is denying the refund of the claim.As I stated I never used that gas station and I have no car that can hold XXXX $ fuel ( that was one transaction ). 
I was treated with disrespect by Well Fargo customer service/fraud delartment.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AL)

I was contacted about a debt from XXXX XXXX XXXX XXXX for {$100.00} for not returning equipment and not paying the last bill. I sent payment to XXXX of XXXX of XXXX and requested cancellation of service in XXXX. I sent out the equipment for return in XXXX but there was an issue with XXXX  that required me to resend the package again in XXXX. I already had services set up by spectrum starting on XX/XX/XXXX of XXXX. I have confirmation of payment received and equipment received by XXXX. I called sunrise to dispute this issue. They gave me an email to send correspondence XXXX. I sent out an email with all attached documents in XXXX XXXX. I called XX/XX/XXXX and was told it was in review. I was also told in was still being reviewed when I called XXXX XXXX. I was told that it would be closed on XX/XX/XXXX of XXXX and it was removed from my XXXX report. It is still showing on XXXX and XXXX reports and now they have started to call me again to collect the debt and do not have any recollection of them reviewing or agreeing to close the account.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have had a credit freeze on my credit file at Experian and the other 2 agencies for 15 years. During that time I have successfully removed the freezes temporarily due to new loan or credit card applications many times over the years. On XX/XX/22 a bank I applied to for a new credit card told me that my Experian credit file was frozen and I had to remove the freeze. On XX/XX/22 I tried to remove my Experian credit file freeze and was unable to do so. I tried online and could not login. I tried clicking " forgot user name '' and it would not recognize my Social Security number and birth date, saying " not a match ''. I tried calling the Experian phone number and the automated menus would not give me the " unfreeze '' option. It treated me as if I wanted to freeze my credit file for the first time! On XX/XX/22 I sent a letter to Experian describing this problem and asking for help, using the Experian document upload facility on their website ( a copy of the letter is attached with this form ). I included a copy of my driver 's license and a current utility bill for ID. After 6 days they have not responded to me in any way. I think that their credit file for me has somehow been corrupted??
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (NV)

When I got my first billing from Ally I noticed that I was being charged an interest of {$92.00} on a Zero %, 18 month loan when I replaced my HVAC unit in my home. Guy I spoke to said I will continue to get this interest charge added to my bill until my initial loan is paid in full and if I miss two payments it will autoimaticly be attached to my loan. I told him this was not disclosed to me at the time I file for the loan by either the HVAC company nor Ally bank reps. My HVAC company is " XXXX XXXX XXXX '' in XXXX XXXX Nevada. 
So I feel I was lied to about my loan app and Ally Bank failed to disclose this interest extra charge to me at the time of my app for the loan.
Consumer complaint received 2023-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Hello, Just received another phone call from Navient regarding my non-qualified private student loan. I was warned today that my loan will soon go into default if I do nothing and do not bring it current. Apparently, Navient has no intention of halting collection on my loan. I have attached a billing statement from XXXX that shows that the owner of the loan that Navient now services is XXXX XXXX XXXX XXXX. I have included another copy of my XXXX  XXXX discharge order as well. 

Thank you
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX {$250.00} XXXX {$230.00} XXXX {$980.00}
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 XXXX XXXX  has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX  Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX  has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX Equifax still reporting false information for years.