davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

For the fourth semester in a row ( Summer XXXX through Summer  XXXX ), Nelnet has used the student loans for my part-time XXXX  program as an excuse to put my previous XXXX XXXX loans into deferment. Each time, they claim that I requested a deferment despite the fact that I never did.
<P/>
I have contacted both Nelnet and Federal Student Aid Ombudsman Group and both have failed to even acknowledge my correspondence. <P/> Further,  the last two semesters, I have filed a request via studentloans.gov to put the new loans into repayment immediately. This includes answering Are you currently in deferment or forbearance with Yes, but I want to start making payments under my plan immediately. Each time, Nelnet has responded to this request by sending a letter stating that my deferment request was approved rather than placing the loans into repayment.
<P/>
At this point, it is clear that Nelnet is blatantly attempting to delay my ability to claim loan forgiveness under the Pay As You Earn program and increase the amount of interest I am forced to pay over the now extended life of the loans. This is nearly identical to the conduct XXXX was already sanctioned for.
<P/>
I am not requesting that you intervene only on my personal behalf. I have the capability to pursue litigation and have some special office of Nelnet issue a fake apology and reverse the deferments as a supposed special exception. I intend to do exactly that next Spring after I graduate and dont have to deal with the same thing every semester.
<P/>
Instead, I am asking that you investigate Nelnets overall practices on behalf of the thousands of students who are being charged thousands of dollars in additional interest without even being aware of what is going on or the financial consequences of taking an extended deferment.
<P/>
Questions to consider include : Why is Nelnet placing student loans into deferment supposedly at the borrowers request when the borrower made no such request?
Why is Nelnet ignoring written instructions to not issue future deferments?
Why is Nelnet extending deferments upon receiving Income-Driven Repayment Plan Applications from StudentLoans.gov directing that the loans be placed into immediate repayment?
Is Nelnet committing a crime by falsifying documents when it states that the borrower requested a deferment when the borrower did not?
<P/>
Thank you for your attention to this matter.
Consumer complaint received 2023-01-27
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$540.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and Experian must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and Experian. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and Experian are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Consumer complaint received 2022-08-10
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: Mr. Cooper Group Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recover, LLC (IL)

Rent Recover of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX ) XXXX We lived in XXXX at XXXX XXXX and the lease was up in XXXX XXXX. Now this is on collection has to be removed. On XXXX/XXXX/XXXX was certified check of {$1200.00} On XXXX/XXXX/XXXX another certified check of {$1600.00} On XXXX/XXXX/XXXX another certified check of {$1000.00} On XXXX/XXXX/XXXX another check of {$110.00} Total amount was given of {$4000.00} case was dropped in court. We moved in the beginning of XXXX XXXX there charging us XXXX XXXX XXXX and XXXX which we no longer lived in the apartment complex when I tried talking to management I was treated very rude and disrespectful.
Consumer complaint received 2022-09-07
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC (CO)

In   XXXX   I had a short sale. The second mortgage  Ditech Financian  continues to report the 2nd mortgage that they released liability on to this date and it has continued to negatively affect my credit and ability to get approved with lenders. Even though the 4 year seasoning has been met for a conventional loan with the mortgage still reporting as an outstanding debt it causes lenders to either have to pay for a rapid rescore to remove the information or manually underwrite my loan. I would like it removed once and for all.
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

In XXXX our family experienced a financial set back. We discovered our home had XXXX Sheetrock and had to rent while we waited for our home to be made safe again for our family of XXXX. I reached out to Navient/XXXX XXXX in XXXX when I could not keep up with my private student loan payment, asking for some sort of grace while we continued to deal with our financial crisis. They informed me that there is no help for private student loans. We eventually got to a point that we had to choose between living expenses and student loans. We stopped paying Navient/XXXX XXXX. We finally had resolution for our housing crisis last XXXX. Now that I am ready to deal with XXXX XXXX, I am overwhelmed by what I face with them. They have added multiple fees and Faithfully report each month negatively on my credit report.
Consumer complaint received 2022-09-07
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: Credit Karma (CO)

Yes I have been a customer of Credit Karma for 5 years or more and they would tell me that I was pre-approved or I pre-qualified for a credit card and then the credit card company would subject me to run my credit and then I didn't get approved for the credit cards damaging my credit report when they said it wouldn't damage it and now I have negative inquiries on my credit karma account every time I would try to get a credit card that Credit Karma said I pre-qualified or I was pre-approved for
Consumer complaint received 2021-05-21
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. (CA)

XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

-XXXX XXXXXXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NY)

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CT)

loan modification agreement accepted by me on  XXXX / XXXX /  XXXX   indicated in part, the amount of the new loan balance stated that my first payment was to be made  XXXX / XXXX /  XXXX  . however, I had until the end of  XXXX  to make the first payment. I was shocked to learn that my house has bee  n foreclosed as for eight months i relied on the bank representation that the  foreclosure action would terminated once I completed the trial modification and accepted the per manent Loan Modification Agreement. Bank continually assured me that nothing will happen with the foreclosure action while I was completing the trail mod ification.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I was scammed by someone acting like chime bank. They got into my phone and transferred money to someone I don't know. {$900.00}. Chime is refusing to give it back. I need my money back please! Chime will not do a good investigation and this is hurting me financially and emotional.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (WI)

A company by the name of   XXXX   XXXX   XXXX   contacted me on  XX/XX/XXXX  stating that they were collecting a debt fo r US B ank. The amount they were requesting was {$250.00} with interest of {$270.00} totaling {$530.00}.  <P/> However, I know this issue was sastified on  XX/XX/XXXX  directly with  US Ban k. I personally contacted  US B ank, and was informed that they have no record of any outstanding debt with me.  <P/> Please be aware of such a scam. The person that attempted to collect this debt is with   XXXX   XXXX   XXXX   Her name is  XXXX   XXXX  and her phone number is  XXXX .
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened an account with bank of america around XXXX 2014 for XXXX and i didnt have ny card yet so i had to go to the bank to take out cash so the 3rd time i went i was told that i couldnt take out any money and that i had to call and figure out why it took me 2 hrs to find out that they closed my account and they really couldnt tell me why ive recently learned that they are being suied and needed to file my claim as quickly as possible
Consumer complaint received 2017-06-13
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: DISCOVER BANK (MD)

Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.
Consumer complaint received 2022-08-10
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX bankruptcy Filed on XX/XX/XXXX XXXX number : XXXX
Consumer complaint received 2024-01-27
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. (MA)

I am writing to file a formal complaint against XXXX regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted XXXX to address the following discrepancies in my credit report. Despite my initial inquiry, I have not received a response to date. The details of the inaccuracies and the necessary corrections are outlined below : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Incorrect information : Balance seems higher than remembered ; reported as closed, but Past Due amount provided. 
Requested action : Report the account as disputed while I address the issue with the creditor. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report.
Consumer complaint received 2022-08-10
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19
Consumer complaint received 2020-01-23
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. (GA)

I sent in dispute letters to all three credit reporting companies, TransUnion, XXXX, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.