davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

This is the second time I am having a problem with NelNet. In XXXX, I complained that I was having to pay more than what I was told my monthly payment was under the SAVE plan ( monthly payment is supposed to be {$420.00} ). Someone from NelNet responded and said that the extra amount that I paid would be applied for the next time my payment was due ( due on XX/XX/year> ). I was told in a letter from NelNet that {$400.00} would be due on XX/XX/year>. I planned to pay this amount, with a contribution of {$120.00} from my employer. On XX/XX/year>, I checked my account to see what was due after my employer had contributed their {$120.00} and saw my balance due for XX/XX/year> was {$330.00} ( and change ). I was surprised because doing the math of {$400.00} - XXXX should mean I only owe {$270.00} on XX/XX/year>. I reached out to NelNet to ask about this discrepancy and they told me that the payment by my employer was distributed to the next 3 monthly payments and that I should call the company making the {$120.00} contributions to apply all of it to my monthly payment instead of across all the loans. Fine. 

Today ( XX/XX/year> ), I checked my account again because I had received an email that my student loan billing statement is available. I was surprised to see the amount due had increased from {$330.00} to {$340.00}. I called NelNet AGAIN to ask about the discrepancy as I had been told my amount due for XX/XX/year> would be {$400.00} and I was not expecting that number to change. The customer representative explained to me that interest accrues and it gets applied to my monthly payment if my monthly payments are not enough to stop interest from accruing. What I don't understand is why my monthly payments are changing under the SAVE plan. Since this is income based and my income is not changing, why is my monthly payment changing? 

I'm extremely tired and frustrated of having these problems with NelNet and my monthly payments are extremely unpredictable every month. This is impossible to keep up with and I need an explanation as to why this keeps happening. The representative I spoke with said " well it's only a few dollars ''. That doesn't matter. Whether it's {$1.00} or {$100.00}, I can't continue to make payments every month not knowing exactly what I'm going to owe because I have things I need to budget for. I think this is a poor way of looking at this situation and I need someone to explain why my monthly payments keep changing.
Consumer complaint received 2021-10-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has misapplied payments on my loan ( # XXXX ) in XXXX causing me to be in default due to their admitted error. On XXXX/XXXX the payment was received and applied to the XX/XX/XXXX payment, loan was current. {$970.00} paid on XX/XX/XXXX by their request should have applied to the XX/XX/XXXX and XX/XX/XXXX payments. Why would Wells Fargo apply as a principal balance payment when there were XXXX payments due? Another normal payment of {$410.00} was sent in XX/XX/XXXX that at that point should have been applied as a current payment for XX/XX/XXXX. Then as their letter provided continues to state, they keep attempting to apply it to payments not yet due, so it is rejected. If the loan had past due payments, why arent the funds being applied to the past due amount? 

I have continued to make the monthly payment since their error and even though I pay every month, I am still considered in default. I have continually been assessed late charges due to Wells Fargos error of misapplying these payments and forcing me to be in default. The late charges of {$1000.00} need to be reversed and the funds applied to the principal payments need to be reversed and applied to the overdue payments to bring the loan current as they should have been in the first place. 

I can not tell you how many people have promised to remove the over {$1000.00} in late fees over the years and have never done it. I even spoke to Wells Fargo life events team lead named XXXX XXXX four times between XXXX XXXX of XXXX and she agreed with me that the late fees would be removed and she said her assistant XXXX would take care of it and to give her 24 hours. It has been over XXXX months later and they still have not been removed and this letter says they have no plans to remove them because my mother XXXX XXXX, the holder of the loan, had passed away in XXXX and they didnt get rid of the late fees for deceased people until XXXX. All that means is they stopped charging me phantom late fees ( even though we arent late ), but her having passed away has nothing to do with this. Its all about Wells Fargo misapplying the payments and no late fees would ever have been charged if they wouldve been applied correctly. They acknowledge they misapplied the payments in their letter but they say too much time has passed to reverse them. This is on them, not on me. I only sent in the money they requested and they misapplied it and here I am 10 years later still arguing over this! I have requested a payment history back in XX/XX/XXXX and they did not come up with it until XX/XX/XXXX, after continually asking for extensions. Any help you can give me in resolving this would be greatly appreciated. I dont want to lose my home over a clerical error. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-09
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. (MO)

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 reporting 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 social media. 
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 2017-10-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX, I went to my local Walmart XXXX run some errands. After finishing my grocery shopping, I went to the Walmart XXXX XXXX to purchase some money orders. After waiting in line, I was told by the XXXX on duty-XXXX, that the particular location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX had adopted a policy to turn away XXXX people. When I asked him to clarify, he said the store management had identified XXXX as suspicious and told me to go to another grocery store. I believe that Walmart does not have any policies against people of a particular descent and felt that the XXXX was discriminated against.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

My Heloc bank, XXXX XXXX XXXX, sent them a check for my XX/XX/year> balance of over XXXX XXXX They cashed the check but did not credit me and continue to charge me interest. My HELOC bank attempted to call with evidence that they cashed their check but they refused to assist in getting me proper credit. I called and they gave me the run around about using their online dispute form, which I did. Then I proceeded to give them a negative review when they asked me to review my interaction. They immediately closed my account and have not made contact but that I need to continue to make payments. They have not acknowledged receipt of that money and they have not credited me.
Consumer complaint received 2023-01-27
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: ENCORE CAPITAL GROUP INC. (KY)

These creditors XXXX XXXX XXXX XXXXXXXX and Midland Credit management XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from XXXX XXXX XXXX and {$520.00} from midland credit management XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPILANCE regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TN)

I have explained that I have not worked due to having XXXX and I constantly keep getting calls. XXXX has been told numerous times by my employer not to call me at work and she still calls there everyday which is about to cost me my job. She has also called and harassed and threatened me.
Consumer complaint received 2022-01-05
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. (MO)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-10-06
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: DISCOVER BANK (CA)

discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XX/XX/year>, I received a letter from Capital One stating that my information was updated. I spoke to 3 different individuals and all they would tell me is my identity was stolen and that I needed to send a letter to a fax number requesting more information. They were not helpful at all and I don't understand why Capital One would have my information when I didn't even have an open account.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 FOR LATE PAYMENTS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-10-05
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. (OH)

XXXX XXXX sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to Experian on XXXX/XXXX/XXXX they have responded with the account was updated Not removed.
Consumer complaint received 2022-09-08
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: TRANSWORLD SYSTEMS INC (MO)

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, Transworld Systems, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/21 I transferred money to a zelle Recipient for a apartment I sent {$100.00} for a background check and {$2400.00} for fist and last months rent and never received the apartment I was scammed out of my hard earned money and contacted XXXX XXXX and they said theres nothing they can do Ive been a loyal XXXX XXXX customer for 22yrs I also filed a police report case # XXXX XXXX XXXXXXXX police department XXXX XXXX Florida
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (NC)

Fraud Collection Scams : I received collection notice dated XX/XX/19 from suspicious collection agency for XXXX XXXX XXXX in the amount {$270.00}. Notice has residential address incorrect, although postal service delivered to my current mailbox. Incorrect address on collection notice : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. This is not my address. 

Issue is this notice is invalid, and I should not be receiving. I moved XX/XX/2019. Prior to my move, I telephoned cable provider ( XXXX ) requesting my account be closed. I had returned all XXXX equipment. I asked if any balance was due, owed on account. XXXX Customer Representative stated my account had {$0.00} balance, and I owed nothing further on account. Phone call ended. 

I have concern for fraudulent collection scams, abuse and misuse of personal identity information to create false collection. 

Received collection notice from : Credit Management, L.P. ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TX XXXX ; Phone XXXX, Client # XXXX
Consumer complaint received 2021-02-04
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. (VA)

I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX  I have never done business with these companies.
Consumer complaint received 2019-10-26
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: CITIBANK, N.A. (IA)

I see that you have similar complaints over bills for purchases not made. I have been hassled for payment. I asked a bill with the alleged purchases made. I was told purchases were made in the last 3 months for a card I never activated. 

I have received the bill but no detail listing of charges as requested. I can not access the account on line.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address.
Consumer complaint received 2017-10-05
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)

My XXXX auto loan was reaffirmed through my bankruptcy, has been paid on time ( 1 late ), is being repo reported as closed derogatory. I have sent these crooks complete documentation over and over and over again.
They only have to look at the report to see account has been reaffirmed and being paid correctly. The bank has se my me written documentation and they still refuse to correct.
I have spoken to the bank and they are reporting Open SATISFACTORY.
TransUnion needs additional fines, they are horrible and have zero QC or control systems or proceedures to be accurate.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

No I didnt not so can you close it end for me please.. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX Netspend prepaid MasterCard XXXX XXXX XXXX XXXX XX/XX/25 XXXX XXXX XXXX
Consumer complaint received 2019-10-26
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. (PA)

I have not received any confirmation on how you have verified the alleged accounts attached in exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my and which I would gladly present in court if need it be as evidence of my trying to rectify subterfuge that you are reporting. **** ( copy from affidavit ) ****
Consumer complaint received 2017-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have reached out several times to have unauthorized inquiries removed and Equifax will not do their due diligence and remove. I was negatively affected by their breach and I want all unauthorized inquiries removed. The inquiries are as follows : - XXXX XXXX XXXX XXXX BankXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXThese are unauthorized and fraudulent and have no open accounts on my credit report. Per my rights under the FCRA, they should be removed immediately. remove inquiries from CRA as does not show true depiction of credit history.
Consumer complaint received 2017-10-05
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: JPMORGAN CHASE & CO. (FL)

My Chase XXXX card has 9 charges that are fraudulent. They all say they are from XXXX. 
I disputed these charges, they were then temporarily credited to my account, then after Chase 's " investigation '' they were charged back to my account. I have repeatedly told Chase that these charges are fraudulent. They sent a letter which listed these charges, without stating what they were, just that they are from XXXX, claiming that they are not fraudulent. I have repeatedly spoken to Chase representatives and sent secure messages on the Chase website, stating that the charges are fraudulent. PLEASE HELP!!! I am XXXX years old and calling Chase and sending them messages repeatedly is very disturbing. 

dispute posted re- Case Number Date Opened Transaction Date date Description Dispute Amount trans # posted XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX, FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX $ {$400.00}