davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

XX/XX/XXXX I am so tired of XXXX ads on my TV. As a nonprofit, how are these paid for? 

Im sorely disgruntled. And I am going to fight back. Finally. 

I tried the XXXX XXXX, but there werent enough characters to explain my circumstances. I was denied. 

What happened. XXXX I was admitted into the XXXX XXXX XXXX XXXX  based on my XXXX  in XXXX, XXXX  in XXXX XXXX, and XXXX  in XXXX XXXX, XXXX. I am smart. 

However, to achieve XXXX 's XXXX XXXX  degree, I discovered that a XXXX  in XXXX  was required. I flunked out of the program. With a student loan hanging over my head.

I had never heard of a thesis statement and was never exposed to how to write a paper based on that. 

At XXXX, I wrote technical documents, taught technical classes, and went to technical conferences. 

In fact, I worked so hard at flunking at XXXX, that sitting in front of my computer for hours caused XXXX. As an IL XXXX XXXX XXXX and falling off a pole working my way to school in the XXXX, I had hairline fractures in my XXXX. Sitting and reading English Literature to catch up, caused extreme health issues. I eventually had to get XXXX in my back to alleviate the pain. I cant sit for long periods of time. 

I tried my best to get a XXXX in XXXX  at the same time I got an XXXX  in XXXX, but found that it was totally impossible. Im not a quitter.

I feel so defrauded. 

Had the admissions counselor inquired about my reading habits, she would have found that I lacked the background in English Literature to succeed. 

My reading habits when I was admitted to your program : Any XXXX XXXX XXXX XXXX XXXX short stories History memoirs ( XXXX, Civil War ) I do living history events. 
Cookbooks ( I have XXXX XXXX Any XXXX XXXX Cooking, preserving, drying Gardening Prepping Writing, memoirs, how-to IT technical manuals XXXX Texas training. I was a paid tour guide. 

I have read XXXX XXXX XXXX Shrugged and XXXX, XXXX XXXX XXXX, XXXX XXXX, In XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXXXXXX back in High School, XXXX. Thats it. At home I read XXXX and XXXX XXXX. 

In the middle XXXX, I was an installer/repairman and barely had time to eat, sleep, and shower. The job was very strenuous, but It helped pay for college. 

I graduated from college in XXXX, and worked at XXXX XXXX in XXXX XXXX for 23 years. After early retirement, I hoped for a career in Creative Writing. XXXX  at that time, XXXX, was the only college I could find. 

UNFORTUNATELY for me, a career did not pan out. 

So, because I have been duped, I am filing a complaint with XXXX, FTC, XXXX, Nelnet, XXXX XXXX and sending to my Texas Senators as well as New Hampshire Senators. 

I failed because XXXX failed me. I can see how the college just loves its online customers and we see ads of those that passed, but dont hear how you have misrepresented the college of those that failed. 

I do not pay for fraudulent misrepresentation. Ever. 

Cant wait to post on XXXX, XXXXXXXX XXXX XXXX, and XXXX. 

Good day,
Consumer complaint received 2021-06-09
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. (FL)

I sent out some letter To Verify The Accuracy On my Credit Report. I have not receive a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be deleted. the Companies were unable to provide me with proof of the supporting documentation. This is embarrassing and damaging to my reputation as a consumer. I need financing for a new house. I damant they block and remove the accounts.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AR)

Each and every month I receive social security payments and my pension payments direct deposit with Wells Fargo Banks. Who has been having problem with funds being withdrawing from my Debit Visa Card that I didn't unauthorized each and every month from my checking account. My Wells Fargo Debit Visa Card has been replace three time as being fraud victim. Which doesn't make sense. Last month my Wells Fargo Debit XXXX XXXX XXXX XXXX replace with second Wells Fargo Debit XXXX XXXX XXXX XXXX. This second Wells Fargo Debit Card has been replace again as me being fraud victim again.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''. 
2nd letter from these " People '' today a complete rerun of the letter sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a XXXX. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (PA)

This account XXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a XXXX form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/21 went to XXXX in XXXX XXXX and did 2 withdrawals with my Bank of America debit card, at an atm machine. The transactions were for the amount of {$120.00} and {$200.00}. The money never dispensed and I was defrauded. 

Later on the XX/XX/21 I called Bank of America to let them know. The first call I spoke with someone. Outlined the issue. And they disconnected my call, so I was unable to fill a claim, or a complaint about Bank of Americas service. I had to call a second time to Bank of America, and during that call I was informed they could not stop the transactions, because it was outside of their policy. 

During the second call. I informed Bank of America I was on vacation and needed the funds. They again stated it was outside their policy, even after telling them customer service agent, named XXXX, that the XXXX ATM machine defrauded me. 

I need help, as I think Bank Of Americas claims and fraud policy is not treated customers fairly, since my account does not have a lot of money in it. Seems they treat lower income people poorly, and those that are a minority, such as myself. 

Very upset as they really caused me problems on my vacation, even though I was timely in notifying the bank. There should be some policy that accounts for this type of situation, and in which everyone front different income levels are treating the same.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

I am in the process of refinancing my current home loan that I have with AmeriHome mortgage but I am refinancing with another company because AmeriHome mortgage turned me down for a refinance. I have called AmeriHome Mortgage requesting documents needed so I can send them to the mortgage company I am trying to refinance with but after many calls and them telling me that my request has been submitted and it will take 24 to 48 hours. It has been over a month since I requested the documents and I still havent received them. I gave them a fax number to send them I asked them to send it to my portal and also mail them to me but seems like they are refusing it send it. The documents I am requesting are the partial claim agreement papers they had me to sign when I went into forbearance during the pandemic. I told them this is needed in order to refinance my loan. They had their chance to refinance me but turned me down due to credit so I went to another company who said they would refinance my loan. I think its really unfair that they are doing this cause they have already increased my mortgage payment from {$1200.00} a month to {$1300.00} a month saying something about a shortage. I cant keep paying this so Im trying to take advantage of the low interest rates.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-09
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. (FL)

I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts.
Consumer complaint received 2018-02-13
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. (NJ)

On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (MD)

I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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. (NY)

JPMCB CARD - There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.

JPMCB CARD - This company has illegally re-aged this account. Please investigate thoroughly and update for lawful accuracy.

JPMCB CARD - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2021-06-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Complaint # XXXX XXXX was closed. 
Complaint # XXXX XXXX resulted in an equifax response ( see attachment dated XX/XX/XXXX ) That they could not find me for 3 specific reasons. None of the 3 are even close to being true. I do have a SS # as a XXXX  year XXXX with XXXX XXXX. I do reside within the XXXX and I have applied for credit within a year. equifax can not find me because they alone have changed my date of birth. My question to eqifax is, who supplied this information to change this? Who is the entity? Disclose this. 
Instead the " canned answer is we can not verify you. '' Why not? You have received 5 certified letters with all proof numerus times of correct identity. So find me within your system and answer the question. This is well past 30 days. First notified XX/XX/XXXX and today 's date is XX/XX/XXXX. 
Within the same letter on XX/XX/XXXX ; equifax has me as moving from XXXX XXXX XXXX XXXX, XXXX. This is incorrect as I have NEVER LIVED there. I have disputed this as an error. Instead of fixing the error, you stated I moved. See the attachment that states address change and move date. This is completely inaccurate.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Moved out of this place on XX/XX/2022. I Sent the office, their corporate attorney XXXX XXXX, XXXX, XXXX the assistant manager XXXX  lastly Genesis XXXX XXXX XXXX proof this. Money is not owed. Here are the photos showing the dates. 
Please do not just one this complaint just because the company answers especially if they do not remove this from report. 
Saying they did something without showing proof is not a resolution. Nor is it abiding by the Fair Credit Debt Reporting Act.

I could easily pay {$300.00} point is I don't owe it. 
This apartment was cleaned to better than I moved I'm for immediate rental. 
Plus is was available days before my legal lease end date. 
It was late when I finished cleaning the bedrooms do not have their own lights so the pictures are blury they are trying to collect {$140.00} for dirty appliances XXXX {$160.00} for stain carpet and my furniture coveted the majority of these small bedrooms and I lived alone did not spill items on floors I am not much of a soda or juice drinker and the carpets are industrial brown tweed carpets.but that's besides the fact there we not stains
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: REGIONS FINANCIAL CORPORATION (GA)

On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was involved in the equifax data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (ID)

I was contacted by XXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from Cash Central in Idaho XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. XXXX is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from XXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO BANK reported to merchant XX/XX/XXXX and bank and bank has not been communicating and claims reports hasnt been filed in system and have zero to little information and has not closed account or sent new card out. and continues to delay the 10 day period for status. They deliberatley have not communicated and will not transfer to correct fraud department and say they are busy and to call back. Bank is not protecting their costumers and leaving them to deal with fraudulent and unauthorized transactions to the customers and telling them its our fault. when clearly they have been negligent on their lack of investigations as they claim to do so. 

XX/XX/XXXXXXXX  MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXXXXXX CA XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$1500.00} total amount- {$2500.00} fraudulent account transfers
Consumer complaint received 2021-06-09
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. (NY)

The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

in response to Experian, XXXX XXXX XXXX XXXX born XX/XX/1961, give Experian authorization to proceed with my complaint
Consumer complaint received 2018-10-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc. (NJ)

This company has called and has stated that they are law enforcement agents and that they will have me arrested. They have called my XXXX and has insulted me in many ways they call at all hours and have harassed my mom and saying to have her XXXX son call. This debt is not even legal the car was reposted and and taken by Santander Bank over 6 years ago. They even have stated that they are watching me and are going to come after me. They answer the phone by stating litigations and pass themselves off as attorneys and police officers and have threatened me.