davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. 

This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2021-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

This is a school debt from XXXX. It has been 7 years and should be removed from my account. In addition, this is a school debt that I am being forced to pay while I am still in school, and have been in school since XXXX. I want the account either updated to show that I have not missed any payments, but preferably I want it removed COMPLETELY from my credit report. Attached are letters proving that this is a federal loan, and this is the only federal loan that is not in deferment because UD sent it to a private debt collection agency pretending it was a personal loan borrowed directly from UD, when it was not.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Harris & Zide (CA)

The company Harris and Zide and it's affiliate or partner XXXX XXXX  has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX XXXX XXXX " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to Harris and Zide. As well as received a call from Harris and Zide on XX/XX/XXXXXXXX  at XXXXXXXX XXXX
Consumer complaint received 2020-10-20
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

Roundpoint mortgage sent me a check. I called they said keep it. Later they wanted it back. I agreed to repay monthly over 5 years even though I shouldn't have had to. I have done what I said, never missed a payment in 7 years. They have charged me almost 300.00 a month in fees and when I confronted them about it they sold my mortgage to XXXX XXXX. So now I have a XXXX deficit in my Escrow because they applied the repayment of the check the wrongfully sent me to fees we never discussed. This was their fault. They have been fraudulently servicing my mortgage for a long time. I believe they did all of this on purpose to be able to charge me a bunch of fees. I have around 100,000 dollars in equity in my house and I'm sure they would love to forclose on it since I only owe XXXX. I am on a fixed income, I have kids with XXXX and I believe they prey on people like me. I can't imagine all the other people they are taking advantage of.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (FL)

Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

US Bank processed an insurance claim check on XX/XX/2019 with directions on file to payoff the loan the refund the overage from the claim. 

Check was cashed and loan was paid off as evidenced by the refund of the tax and insurance escrow account. 

US Bank stopped payment on the escrow check and reinstated the loan without comment, direction or reason. 

Multiple calls to US Bank over the course of a month produced no result. Some employees were able to see documents. Others claimed no documents existed, including the death certificate for the borrower, the executor documentation for me, and the letter requesting the payoff. Some employees also claimed the insurance check was never cashed when in fact it had cleared the bank for the insurance company. 

US Bank claimed to be sending a check for the {$37000.00} in overage from the insurance after full payoff of the loan. Instead they sent a check for {$68000.00} directing that the funds be used to rebuilt the house. When called about this latest error, the US Bank employee said the check had to be deposited and that we would need to produce certified funds to send the US Bank 's money back to US Bank. That was not acceptable because the letter accompanying the check clearly stated that cashing it meant there was an obligation to rebuild the house. After demanding that US Bank figure out how to void their own check issued in error, the employee simply hung up on me. 

Because US Bank has held this money in error for more than 30 days, they are also sending default notices. This despite the fact that they are in possession of a full payoff, {$37000.00} additional funds and {$3200.00} in escrow that are required by TILA to be refunded to the borrower within 20 business days of payoff. 

Currently, they are again saying they will process this as a payoff but needed to update the payoff since it was only good through XX/XX/XXXX. When I advised they have had the money and request to payoff the loan since XX/XX/XXXX ( with XXXX confirmation of this ), US Bank stated they did not know and could not control what a payoff statement might show. When I said it would clearly show more than a month of additional interest, they said there was nothing they could do about that despite the fact that they now acknowledging they had everything required to process the payoff on XX/XX/XXXX.
Consumer complaint received 2018-02-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (FL)

In XX/XX/2018 I contacted XXXX about late payments placed on my credit. I have several student loans with XXXX and on 2 occasions out of all of my loans 1 has come out of forebearance. My account was placed back into forebearance both times but XXXX placed lates paymets onto my XXXX, XXXX and XXXX   credit reports. I contacted XXXX and was told there was nothing they could do but i dont understand this as my loan was placed into forebearance.
Consumer complaint received 2019-08-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (TX)

This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$6000.00} } with and credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt
Consumer complaint received 2019-08-27
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: NATIONAL ASSET MORTGAGE, LLC (GA)

In XX/XX/XXXX I entered into a contract with XXXX XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically national assets and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XX/XX/XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when National Assets put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XX/XX/XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XX/XX/XXXX, though it might have ben XXXX I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E  . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Consumer complaint received 2019-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

No matter how much I pay, the balance does not decrease. It is absurd. I am stuck paying {$300.00} a month for a loan than was originally {$2600.00} and now I owe {$3000.00}!
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Oasis Legal Finance Holding Company, LLC (MI)

Around XX/XX/2019, I requested A loan from oasis financial service. I was involved in a XXXX XXXX XXXX XXXX  accident. On XXXX, my husband was a XXXX patient and we needed funding for expenses. I got their info from my attorneys office. So I applied for and received {$500.00}. Thru the years a did request additional funding but was denied. I was told my condition was not approved because I didnt require surgery, therefore the results from my claim would not be very profitable. I still applied a year or two later, but the answer was the same. Once they did say I was approved, but never released any funds, claim the loan officer change their mind. Now weve reached a settlement, and I found out that oasis says I owe {$15000.00}. My attorney claimed the wanted even more. I let them know I never received that much, Oasis has grossly overcharged me excessively and I have only one copy of the agreement sent thru DocuSign.I dont know how they were able to duplicate and sign more loans without my knowledge. They sent agreements to the attorneys indicating that I obtained several loans with Exorbitant fees with this false signature, I would have. A copy of the of the agreement each time I signed, I was I entitled to have a copy of each loan at the time of signing. Not send to the attorney at settlement. I do believe that have committed fraud.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

On XXXX XXXX, I contacted the Coinbase Help Desk. I simply asked if they could help me identify an extra {$100.00} wire transfer from my bank. I said I couldnt locate it in the transactions. I was NOT stating I thought I may have been breached. There were three {$100.00} charges in a row. I remembered one. I found the second. My error. Could they help me identify the third. Just a few minutes later, I received a bot email response stating the had locked my account. I immediately replied back NO. I sent another email telling them to unlock it. That was ignored. Then an hour or so later, one of their Staffers replied with a response to my inquiry. I had inadvertently set up a {$100.00} recurring buy charge. He told me how to cancel that. I replied I cant fix it until they unlock my account. He replied it would take their investigators four to five days to unlock it. So I waited. I tried emailing the Help Desk again, but received another bot response that their email was no longer enabled. I had to submit a ticket. I did so. I have since sent in multiple tickets referencing the first ticket number. I just get bot responses saying each ticket will be added to the first. Thank you for your patience. I filed a complaint ticket. It has now been 17 days. Their own site says lockouts can take up to ten days. No other communication. They have only one published telephone number. That is solely for the purpose of calling to lock ones account if one thinks its compromised. I hunted down all three of their physical mailing addresses, of which they really only publish two. I sent a long letter to their VP Customer Experience explaining this whole fiasco. In the meanwhile, Coinbase has my money. It is part of the pool of investor monies that they can leverage for their own investing, yet I can not trade or sell or buy anything while a XXXX XXXX is running. They are thus using my entrusted invested money but keeping me from utilizing it myself. I cant even see how much I am losing or gaining. As a XXXX XXXX on a fixed income who is diligent in watching over his investments for retirement, this action on their part is egregious and untenable. The last time I saw my account there was about XXXX in there. That may be peanuts to them, but it is a quarter of my total invested money. As they keep signing on thousands of new users to fill their coffers, they seem content to manipulate the assets of old clients. Others have been locked out for ridiculous amounts of time as well. I gave no consent for an arbitrary lock out. That is what their one sole telephone number is for. The original ticket number is XXXX.
Consumer complaint received 2023-01-18
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. (UT)

XXXX, XXXX, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " Transunion '', " XXXX '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.
Consumer complaint received 2020-01-26
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: World Omni Financial Corp. (GA)

To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Debt buyer Portfolio Recovery is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I have filed two claims for a XXXX payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted Wells Fargo and ask that they try to cancel the payment and/or reverse it. I informed Wells Fargo that I was a victim of a scam and fraudulently induced payments through XXXX. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new XXXX Policy that should cover my situation and allow for reimbursement of the {$3000.00} from Wells Fargo. I am sure you are also aware of this secret XXXX policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent Thursday to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of XXXX. 
The new requirements, according to the statement, are being added to " ensure consistency across the XXXX XXXX and improve consumer benefits. ''
Consumer complaint received 2022-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (IL)

XX/XX/2020 The manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX deceive me into applying for two loans totaling {$6100.00} to get my car back he was holding as hostage. 
I was hardest hit, and I was committed to keeping my financing needs a top priority during this uncertain time. These extremely high interest charges from auto shop/lenders unfairly punish society 's most vulnerable, hurting low-income consumers like myself and communities of XXXX. XXXX is profiting off high fees charged to those struggling the most leaving me and my family in financial distress.They have trapped me in a cycle of debt, their tactics are abusive and predatory and especially borrowers of XXXX. 
I filed a complaint with the Office of Attorney General Back in XX/XX/2020 with no resolution, only to have XXXX XXXX XXXX XXXX manager respond back he don't know why I'm unhappy. I have the letter to prove it. 
XXXX original balance was XXXX, as of today, I have paid them {$2800.00} and they still have my Payoff at {$3000.00}. They are swindlers, swindling me out of extra cash, this is a crime and one form of theft. I do not want to harm my credit report and score so please help me and stop this swindling from XXXX. Thank you. Sincerely.