davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I was enrolled in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and completed the years of service to pay off my remaining student loan. XXXX XXXX XXXX XXXX XXXX sent a check # XXXX to Nelnet in the amount of {$94000.00} to be split between myself and XXXX other recipients with my allocation {$33000.00} ( see attachment XXXX ). This check was cashed by Nelnet on XX/XX/XXXX per XXXX  XXXX XXXX XXXX. I continued to pay on Nelnet with {$600.00} of additional payments with current balance of {$32000.00}. 

XX/XX/XXXX - I called Nelnet and inquired about payment that should have been posted. Investigating this issue and put student loan in forebearance in the meantime. 
XX/XX/XXXX - I called Nelnet and were able to locate the check that was received and cashed XX/XX/XXXX. I was informed this XXXX take 30 days to post to my account. 
XX/XX/XXXX - I called Nelnet and stated they would escalate to leadership team and to check back within XXXX days. 
XX/XX/XXXX - I called Nelnet and stated it would take longer to post to my account and will escalate to leadership team. 
XX/XX/XXXX - I filed a complaint with Nelnet regarding this issue and received response stating my loans are moving to XXXX XXXX ( see attachment XXXX ). 
XX/XX/XXXX - I called Nelnet and still no updates. Told to call back in XXXX days for update. 
XX/XX/XXXX - My loan transferred from Nelnet to XXXX XXXX per Nelnet changes. 
XX/XX/XXXX - I called XXXX XXXX customer service and was told to submit a copy of the check to Submit my forms ( see attachment XXXX ). I was told this was sent to the leadership group for escalation as I am trying to buy a home. This account is still showing as a debt on my credit profile and should have been paid XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX XXXX customer service and do not see my Submit my form showing proof of the check from the XXXX  XXXX XXXX XXXX. I was sent to a supervisor 's voicemail. I called back requesting to speak to a supervisor in person. I was told the supervisor was on a call with another customer and would call me back. I have not received a call back. 

I am very frustrated that Nelnet cashed the check intended for my account and still has no brought my account up to date since XX/XX/XXXX. I am getting no where with Nelnet and has since shifted my loan to XXXX XXXX. Please help me receive the money that is due and I worked hard to get paid off for 5 years. 

Nelnet/XXXX  XXXX Account XXXX XXXX XXXX ( see attached XXXX statements XXXX & XXXX ). 

Please don't hesitate to contact me for further details. I hope you are able to hold Nelnet/XXXX  XXXX accountable for mismanagement of allocation of funds owed to me. 

Thanks, XXXX XXXX, MD
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

XXXX and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.
Consumer complaint received 2018-03-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2017 my wife went into lowes with my lowes credit card while I was at work and tried to get wood to board up a window.  The window had some glass break and the cold outside makes it hard to warm the house with the window like this.  So she went to lowes to put the wood on the XXXX card.  The lowes card was not working.  She called me about it so I checked he website and my card had been closed despite the fact that I had a XXXX balance and had paid Lowes thousands of dollars back in XXXX  to pay the balance off.  I never received a notice from Lowes of this change and when I called I was told I could reapply but they assured me I would not qualify because my credit has slid slightly since I was approved.  I called my wife to relay what I had learned and she left the store in tears.  I tried multiple outlets to reach lowes and get a resolution but all I keep getting is "call this number" and it's the number I already called to begin with after checking my account online.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/19, I logged onto my children 's place credit card issued by Comenity bank, to discover my credit limit had been decreased again. This is the 2nd time this has happened in less than 6 months.
Consumer complaint received 2019-10-28
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: Upstart Holdings, Inc. (FL)

on XX/XX/2018, I was giving an offer for a credit loan from Upstart through XXXX XXXX in 2018 and it clearly stated this offer will not effect my credit and the inquiry will be a SOFT inquiry. The process took less than an hour and I was approved with the money in my account. Recently I ran my credit to find out the Upstart inquiry was not a SOFT but rather a HARD inquiry and it showed on multiple credit agencies. On XX/XX/XXXX I contacted Upstart regarding this issue and in fact they confirmed that the offer was made with SOFT inquiry however when it came time to finalize the loan they did a HARD inquiry. 
I asked the question why was I not told about the changes prior and the representative said : it was written on line # 13 of the disclosure statement. Since most of not all consumer do not read every single line of the disclosure and only look the apparent concerns like the payments, interest rate, amount of payments, it makes this business practice very misleading. It would have been more transparent from Upstart to disclose the HARD inquiry procedure the same way they disclosed the SOFT inquiry from the get go.
Consumer complaint received 2018-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CT)

I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I went inside on XX/XX/2023 to make a cash deposit at the chase bank with a teller, the next day I received a notice she did a hard pull on my credit report without asking for my permission and costing me 3 points.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Last week when logged into my USAA banking account using their mobile app I was presented with a 10 question mandatory survey. The survey asked my income and net worth and then asked 8 questions about XXXX, like how often and in what amounts I was likely to use XXXX to deposit, transfer or withdraw money from either my checking of savings accounts. The survey told me that if I didnt complete it my online access to my accounts would be suspended and only allowed me to bypass it three times before the suspension would take effect. They claimed that all of this information was required by the federal government. 

I wrote a complaint letter to the USAA XXXX and had a reply from his office. The aIde I spoke to first claimed that all of this info. was required annually by the Patriot Act. When I challenged that the feds wouldnt require information from my about my plans to use XXXX she admitted that that part of the survey wasnt really required and didnt understand how it was included.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

There were two hard inquirers when checking my credit karma account. They are XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. 
And XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. The addresses reported with these are XXXX XXXX XXXXXXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX, KY XXXX. Neither of these addresses have I ever been a resident at. Two of the names used are not my government name ; XXXX XXXX and XXXX XXXX XXXX. I have never applied for a XXXX Bank card.
Consumer complaint received 2022-09-08
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: ID Analytics, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2019-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I took out a private student loan with XXXX XXXX XXXX in XXXX of XXXX. As an XXXX-year-old unemployed XXXX  XXXX, they approved me for a private student loan of {$16000.00} with no collateral or co-signer. 

Since I've out of school in XXXX, I've been paying on this loan. I've been through a bankruptcy, I contacted the servicer to see what my options were for lowering my monthly payments or perhaps getting some portion of the balance forgiven. The representative for the servicer was very nice, but she said unfortunately they offer NO repayment options or forgiveness options. I have no one else to contact besides the servicer. XXXX  XXXX XXXX went bankrupt in XXXX. They were able to rid themselves of all their bad debts. I wasn't able to do the same with this loan through my own bankruptcy. 

By the time this loan is paid off in XXXX of XXXX, I will have repayed roughly {$42000.00}. Nearly three times the original balance of the loan.
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

I requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. 

I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy my credit!
Consumer complaint received 2018-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CT)

I XXXX XXXX satisfied an account in full of TD Bank through a third party known as XXXX XXXX XXXX in XXXX of 2018. However, TD Bank still maintains a full balance that needs to be updated to a zero balance immediately on all my credit bureaus. I paid this account by bank wire for the agreed amount of {$2000.00} to XXXX XXXX XXXX. This account needs to be updated to zero balance immediately.
Consumer complaint received 2018-03-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (NY)

Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

Inam making payments for 3years but rhey keeping on adding fradulent articles and even sheriff dept was reported and they told me that its okay and we got it but never stolped or investigated the matter. its a serious issue and i was told to consult your agency. I have good faith in you
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NE)

On XX/XX/2019 I received an advertising promotional email from XXXX XXXX listing the 10 best 0 % introductory credit cards for balance transfers. I'm in the market to do that so I clicked through and read the different choices available. Citi Card Double Cash card came up that said " Click " apply now '' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases ''. I wanted to know the balance transfer fee amount so I could compare to other cards so I clicked the Apply Now button. It then lead to the Citicards website where it asked for income, social, address and phone. All the while, i'm still thinking i'm just seeing how much my balance transfer fee will be. The next screen then said " Congratulations you're approved! ". I was not ready to apply and did not want that card. I called right away and was transferred to 3 different people. The final lady which told me it can not be cancelled and that even though the link said that I should have known that apply now meant apply now. I told her that the advertising said differently and have a screenshot of the website. She was very rude saying she couldn't see it or do anything about it. I would have to wait until I got the card, then cancel it. Which I don't want to do because now my credit will show I opened and closed a card right away. I also asked if they were going to reach out to XXXX XXXX regarding that verbiage and she said no. Since XXXX XXXX represents their product and i'm sure someone in legal approved that verbiage before allowing it to be on the XXXX XXXX website I would think they would want to fix it so other consumers are not confused. This was very deceptive and it is unfair that I am now stuck with a credit card I didn't want. This is a UDAAP and I told the lady that at Citi and she said, well file a complaint then. So here I am.
Consumer complaint received 2024-01-18
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. (MO)

Experian is now making up disputes as the just notified me a dispute was opened today on an account I paid and closed In XXXX of XXXX. This fraudulent crooked company needs to be held accountable for this gross miscarriage of justice
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
Consumer complaint received 2018-03-25
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. (FL)

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.