davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (UT)

XXXX XXXX XXXX cancelled my student loans by executive order. I graduated from XXXX XXXX  and the program I enrolled in did not provide me with the tools and knowledge to become a XXXX. I earned a XXXX XXXX XXXX in XXXX. 

I filed paperwork a few years ago to get the loans discharged. Great Lakes has simply refused to discharge my student loans. 

My student loan balance is not accurate and should be at XXXX i.e XXXX
Consumer complaint received 2021-09-17
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: Experian Information Solutions Inc. (WI)

My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (UT)

Citi Bank refused to accept payments made to them, stating that the funding bank was holding the funds. After several calls to both the bank and Citi found that they ( Citi ) had lied about the hold and would not credit the payment to the account. Furthermore they did not report the payment/balance decrease to the credit bureau thus lowering my credit score. They further reduced the available credit by over {$22000.00} despite being paid in full and on-time though out the credit history. They would not offer a reason as to why nor did they notify me of the decrease, when i called to talk to them I was hung up on twice for pressing the matter. Later when attempting to make an online complaint about through their website my account access was removed and I was not longer able to login to access any transaction details including this months statement.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We leased a vehicle from Infiniti Financial Services for 36 months and returned it on XX/XX/2023 to our local Infinity dealer here in XXXX XXXX XXXX  Infiniti. XXXX weeks later we went to purchase a vehicle and the dealership that we were purchasing from notified us that Infinity still had not closed our account and that we had an outstanding balance with them. We called infinity and they stated that their systems were messed up and that they do not have records at the car was returned. We provided them with a record that shows that we return the car on the XXXX and to who we returned it to. In doing so they said that they were going to send us out a close credit statement within XXXX to XXXX business days and never did so. Then yesterday I received an alert from the credit bureau that Infinity Financial has placed a XXXX late on my credit. I was very upset about that. I called today to discuss with them the situation and they stated that it is a glitch in their system and that they never closed our account out and they are going to close it out and we should receive something in XXXX to 5 days in addition to reporting to the bureaus that correction to the XXXX late never happened. This has brought down my XXXX XXXX XXXX points and really hurt me because we were trying to replace our vehicle that we returned and we have not been able to because of their fraudulent activities by not closing the account originally and now placing a 30 day late on my credit.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

SITUATION On XXXX XXXX, 2017 in response to the XXXX breach, I went online to the TransUnion website to initiate a security freeze on my account. I had to submit confidential information including my social security number, credit card information, and pay {$10.00} for the request. 

COMPLICATION After providing all the information requested including my {$10.00} fee, I was notified online at the end of the transaction that it did not go through, that the information I provided was not correct. 

HOWEVER, when I contacted my bank they said that TransUnion immediately deducted the {$10.00} from my account. I received no indication by email that the transaction went through, in fact I was told it failed. 

I tried calling customer service and several other XXXX numbers listed by TransUnion only to discover that the phone numbers were not in service, even though a voice comes on saying Welcome to TransUnion. Then it goes into this mode : The number you have reached is not a working number.. Bottom, line : after 3 days of trying to contact TransUnion by phone, I have given up and filed this complaint.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX is a big fraud, I spoke with her over the phone on XX/XX/XXXX and she said she will send me a check of {$450.00} within two days but have n't recieved anything from her. I called her back on XX/XX/XXXX and she replied that she never said this to me. 

A complete lie. when I spoke with her on XX/XX/XXXX she clearly said that she has spoken with the employees of Capital one, and I do n't owe anything to capital one, and the amount which I had disputed has come up to {$450.00} with interest charges attached to it. 

But now she is saying a complete different story, Capital one does n't intend to pay me back for the fraudulent charges, what a shame. 

They are always saying two different things.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

PHH mortgage is not paying my property taxes from my escrow account. 
In XXXX of XXXX I contacted PHH about my tax bill. I worked with their esclation department ( XXXX ) agents name told me they got paid. Then XX/XX/XXXX I received and other tax bill for this half of and a past due tax amount for that last year.i emailed a copy of the tax bill to Phh as directed by customer service. I have call PHh mortgage multiple times and can never get an answer or a call back
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have sent them several registered letters and notices to the CEO and CFO of Select Portfolio Servicing Company asking for a complete audit and source of money on the account. They repeatedly acquiescence and continue sending form letters that have nothing to do with what I have asked for. This fraudulent and blatant treatment needs to have an end.
Consumer complaint received 2017-09-14
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. (SC)

I have contacted Equifax numerous times over the course of the last several months. I have filed numerous disputes via online and over the phone with representatives that XXXX inquiries recorded on XXXX XXXX, XXXX, one by XXXX XXXX and the other by XXXX were not authorized by me. I also advised the XXXX XXXX XXXX  inquiry dated XXXX XXXX, XXXX was also not authorized. Equifax has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Equifax delete the inquires immediately.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (NC)

The check for the full amount due ( {$1400.00} ) to the original creditor was mailed on XX/XX/2021 & cleared my banking institution on XX/XX/2021. This issue was deleted from my credit report with XXXX & XXXX on XX/XX/2021 based on my supporting documents. United Collection Bureau is still reporting this as a valid account with XXXX, which is obviously Fraud.
Consumer complaint received 2020-11-04
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: JPMORGAN CHASE & CO. (NM)

On XX/XX/2020 I submitted a complaint to Chase bank because it showed as a Flexible Spending Account on my credit report. It is NOT a flexible spending account ; it is a revolving credit card. I didn't know why it showed negative on my report. When I spoke with Chase bank, they said that they only report to credit agencies when there are two consecutive late payments. Chase bank indicated that they did NOT report anything to any credit agencies. Further, I pay more than the minimum payment every month. When I pay early, they view it as a LATE payment because a statement hasn't generated. Chase sent me a letter of confirming they did not send or report anything negative.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ME)

My husband and I started the loan application in mid XXXX, and after several various request from Quicken Loans, and 3 1/2- 4 months later, were told that they had everything they need and that it was now in underwriting hands. Then after receiving that call, I received and email on XX/XX/XXXX, from XXXX XXXX stating On XXXX XXXX, 2020, at XXXX XXXX XXXX, XXXX XXXX wrote XXXX Hey XXXX, Hope all is well! 

Our underwriters are requesting one final document from you and XXXX. Could you please provide your XXXX bank statement for XXXX business once you receive it? 

Thank you so much! 

XXXX XXXX XXXX XXXX  Consultant The bank statement would not be available until XX/XX/XXXX, which I went to upload to the account they had assigned us, on XX/XX/XXXX on to find out they had automatically closed our account due to loan application duration. 
We were supposed to be awaiting a closing date. Not a closing of our application that was in the final stage of closing. 

This company has requested numerous time for the same things, which we gave to them over and over. 
The delay of this loan process was due to their ability to complete their process in a timely manner, not ours.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AR)

I recently review a copy of my credit report and I realize that as a consumer AFNI is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have violated other laws not stated about this alleged debt. I have attached my ID to help identify me and my FTC report.
Consumer complaint received 2017-11-11
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. (UT)

In accordance with FCRA 605B, I requested a block of information on my XXXX XXXX and Equifax credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report ( XX/XX/XXXX and XX/XX/XXXX ), detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XX/XX/XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XX/XX/XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XX/XX/XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My husband and I both received are 3 credit reports on XXXX/XXXX/XXXX. Each one of our credit reports from only Transunion showed Account Review Inquiries from companies unknown to us. We have lived in XXXX XXXX, OH for 26 years at the same home address. The unauthorized inquiry for my husband was from XXXX XXXX XXXX in XXXX, FL on XXXX/XXXX/XXXX. I called the company and they admitted that they were looking for someone else with a similar name when they made the inquiry. My report showed an account review inquiry from XXXX XXXX in XXXX, CA on XXXX/XXXX/XXXX. When I called them, they denied any such company existed at the listed address and phone number. I am concerned the the XXXX XXXX could have been an attempt at identity theft. My husband is concerned that the inquiry by XXXX XXXX could result in future inquiries that he has approved wondering if he had a bad payment record in the past. I reported all of the above via phone to Transunion. They stated that the inquiries would be removed, but why did they even occur without our consent? Is it legal for anyone to review your credit report? Advise. Please respond via e-mail to XXXXXXXXXXXX. Thanks.
Consumer complaint received 2017-09-12
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. (OH)

There recently was a large security breach at Equifax. From my understanding, intruders accessed names, social security numbers, birth dates, addresses, and driver license numbers of those who used their service from midXXXX through XXXX of XXXX. I have been looking for a home in the past 3 months and in order to be approved for a loan, have had my credit pulled. Being a first time home owner has been stressful and exciting but learning that I may be at risk of identity theft has put a large cloud over the experience. Furthermore, I may be at risk for identity theft for my entire life with this information stolen.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
Consumer complaint received 2021-03-31
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. (MN)

Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-09-12
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. (DE)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled informing those affected by this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2022-04-06
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: VEROS CREDIT, LLC. (CO)

On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report. 

I have attached all supporting documentation.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Ive tried reaching out to Experian several times regarding an inaccurate reporting of a bankruptcy they have responded with the same templated letter. I have requested the method of validation as no other credit bureau has any information related to a bankruptcy and have not received anything from them.
Consumer complaint received 2024-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IA)

I am currently taking courses online and I have a pending student loan with Sallie Mae a private school lending organization. The problem revolves around the fact that such a firm has been legally informed about my enrollment status and the required formality of requesting the process of deferment has been completed. However, Sallie Mae has not deterred from their collecting efforts and has been calling me on a daily basis demanding payment on an account that should be on deferment. The form was e-mailed by the school, and it was also faxed by me. However, the collection continues and it is been reported on my credit report as negative information despite having addressed the issue with Sallie Mae and having reported such practice to this very organization. A practice I perceive as harassment since I am called on a daily basis by the firm at least twice a day and explaining the clear and obvious procedures has not deter such a conduct.
Consumer complaint received 2017-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (OR)

I filed for forbearance through American Education Services over two months ago due to financial difficulties in paying my loans. They have never ruled on whether or not I am due a forbearance, but they are continuing to state that my loans are overdue and that I am at risk for collections. When filing for forbearance, you are told that you will find out within a week whether or not you are eligible, and I am unable to pay for the loans. In not responding, AES is in breach of contract and I am considering seeking legal counsel due to their negligence to perform their stated duties.