davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (HI)

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I applied for the XXXX XXXX XXXX XXXX program through my servicer, Mohela, on XXXX/XXXX/2022. The application included three employer certifications with over 12 years of qualified service. My loans were originally held by XXXX XXXX then XXXX and finally consolidated with Mohela. Mohela on XX/XX/2022 sent a letter denying my application stating only 4 payments were eligible and 0 were qualifying. Mohela appears to have ONLY considered the payment due dates since the they took over loan servicing. They are NOT including all the previous payments with the other two loan servicing organizations. This action is in clear violation of the current PSLF waiver.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have disputed inaccurate and fraudulent address on my credit report with Equifax, XXXX, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the fair credit reporting act : XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TN)

On XX/XX/22 I purchased a Vanilla Gift Card at XXXX XXXX and loaded {$500.00} on it. When I got home, I called to check the balance on the card, and it had a zero balance right out of the package. Two purchases were made ( not by me ) on the card to a company called XXXX which I can't find any info on. One purchase was for XXXX and one for XXXX which adds up to XXXX. I've spent a month with Vanilla trying to get this resolved with no results. Someone stole my XXXX and someome needs to be held accountable. Please help if you can. Sincerely, XXXX XXXX XXXX. My account with Vanilla is under my nick name, XXXX XXXX.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MA)

I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013.
Consumer complaint received 2022-06-04
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. (MI)

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.
Consumer complaint received 2022-06-13
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. (TX)

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither Equifax, XXXX, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that Equifax, XXXX, and XXXX verifies, must be done so under oath in the presence of a Notary. 

Equifax, XXXX, and XXXX are corporations and XXXX XXXX entity, they do not have the power to verify any information.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

This is in regards to customer case # XXXX. 

I have been a long-time Wells Fargo customer and, recently, requested to close my savings account ( called in XX/XX/XXXX and in XX/XX/XXXX ). Despite two calls where I was assured it would happen, Wells did not close my savings account. Wells Fargo erroneously closed my checking account, which had a balance. 

I learned that this was erroneously closed on XX/XX/XXXX when I received a notice that my automatic bill pays would not be able to proceed due to insufficient funds. Wells Fargo has confirmed this was closed in error by the bank, in a call on XX/XX/XXXX with XXXX ( XXXX. XXXX ). Despite XXXX hours on hold and in branches to attempt to stop the closure, the account was closed. I have yet to receive my funds. XXXX at the Wells Fargo XXXX branch promised I would receive these XX/XX/XXXX. I did not. I instead received a statement in the mail. I have asked that my funds be transferred to my existing Wells Fargo savings account and told this is not possible, but have not been told why. 

Wells Fargo has also told me it is not possible to reopen my account because it was originally opened in a state where I no longer live. They encouraged me to open a new account to help resolve the issue, but could not explain why this would resolve the issue when I have an existing savings account that the funds could be transferred into. I declined to open another account with Wells Fargo and have received no clarity on when my funds will be returned as a result. 

I have called XXXX in the XXXX XXXX XXXX division several times, with no resolution. I have been to the branch. I have emailed XXXX XXXX, the XXXX leading XXXX XXXX XXXX XXXX Banking for Wells Fargo, to provide written notice. The bank has taken no steps to resolve this beyond expressing sympathy and apologies for their wrongly-taken actions. I was told I should have noticed an account notification noting that Wells planned to close the wrong account- in effect, " catching '' the error.

Due to Well Fargos mistakes, I have not have access my entire balance of {$6900.00}, and am suddenly unable to pay bills due to Wells Fargos admitted error. I will incur interest and late charges due to Wells Fargos errors, and none of the customer support agents I have spoken with have been empowered to resolve this. I expect Wells Fargo to return my funds that were taken in error immediately as well as late fees refunded.

This experience is completely unacceptable. Any other time funds are taking without permission and not returned, it's called stealing. Just because a bank does it, why is it any different?
Consumer complaint received 2022-11-02
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: LEXISNEXIS (NJ)

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # - XXXX. XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable and that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX, claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the US Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US XXXX XXXX of New Jersey before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

This is a complaint regarding a refund request I made to my loan servicer. 

My student loans were transferred from XXXX XXXX to NelNet Servicing on or around XX/XX/XXXX. I made XXXX payments to XXXX since XX/XX/XXXX, totaling {$6300.00}. I made XXXX payments to NelNet on XX/XX/XXXX and XX/XX/XXXX for {$290.00}. I have made a total of {$6900.00} in payments to my student loans during the Payment PAUSE. 

On XX/XX/XXXX, I emailed NelNet requesting a refund of all student loan payments I made during the payment PAUSE. I emailed them the following attached message, which clearly indicates the amount I am due, that I understand the implications of my request, and the request that these payments be refunded by check. They sent an acknowledgment email 23 days later on XX/XX/XXXX in response to my email request. I also called on XX/XX/XXXX, to make this request verbally ( see attached cell phone call history ). 

I received XXXX refund checks for {$290.00} each, dated XX/XX/XXXX. These are the amounts I paid directly to NelNet. I called NelNet On XX/XX/XXXX and inquired as to why I did not receive the {$6300.00} I had paid to XXXX. They insinuated that it would take months for my payment history from XXXX to come through, which is unacceptable. I asked if there was anything else I could provide, I was told no. 

I made my refund request 66 days ago. NelNet either is having problems getting my payment history from XXXX, or is not properly processing my request.
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

My original loan was with XXXX XXXX as a private student loan. Sometime in XXXX it was sold to Firstmark Services a Nelnet company. I've made consistent on time payments to XXXX  XXXX and now Firstmark since XXXX. They now told me my XXXX payment due XX/XX/XXXX, I'm behind on my loan and it was reamortized raising my monthly payment. I've never had a loan where you are suddenly behind on the balance causing payments to balloon when it was set up as a fixed amount per month. Its a variable rate loan, but that has always adjusted slowly and I made the new payment shown on my statement. So I dont understand how I'm suddenly so far behind that they raise the payment {$35.00} per month. I suspect something shady is going on with this new servicer and I've never heard good things about nelnet. The customer service rep said this was normal despite me saying reamortizing a loan suddenly is not something my 50+loans in my life I've ever seen. She said there was nothing I could do, and nobody else I could talk to and they didn't have a complaint line or ombudsman. There was no notification or anything that this was happening until I received my statement a week ago.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MA)

I have, with help from my daughters, tried to close my bank accounts and credit cards at wells Fargo. I moved from XXXX XXXX XXXX  in XXXX of XXXX. There is no Wells Fargo branch here and after 6 calls I still have not been able to close the Card account.

In the first place the card account was opened without my knowledge. 
When I called to close all accounts they closed the checking but not the card. the fees then overdrew my account. 
My daughter was on the phone with me when the 4th call was made and all we got was run around. She got upset and called it fraud at which point they transferred the call to the fraud department. That person closed the account and said a new card would be mailed. We told her to just close the account..NO new account. No new card! They did it anyway.

Called again with my other daughter and got transferred around again and after 20 minutes on the phone the women said she would close the account. She said please hold and disconnected the call.

Seems that Wells Fargo can't get away from there evil ways of scamming and misleading people.
Consumer complaint received 2016-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (FL)

In XX/XX/2020 I started receiving debt collection mail concerning a debt I did not own. I have double checked that this isn't an identity theft issue, by reviewing all 3 credit agency reports, which were found to not show this debt. I have contacted the creditor informing them that this is not my debt, and that they are pursuing the wrong person. I have also send a Cease and Desist letter to the current creditor ( UHG I LLC ) asking them to stop all debt collection communication. The creditor ( UHG I LLC ) has submitted a court case against me in order to get the debt paid. After doing extensive research on the internet I found that UHG I LLC is often involved in fraudulent debt collection practices and sues thousands of people across the United States every year. The company often changes its name if that allows them to elude persecution.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid
Consumer complaint received 2022-11-02
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: Risecredit, LLC (GA)

A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX XXXX XXXX XXXX and Rise Credit. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

XX/XX/XXXX for the amount of {$2700.00} not being credited back to my account as a provisional credit by XX/XX/XXXX. I have got an email stating that and when the time came it wasn't in my account. Chime has been giving me problems with this provisional credit. I have been dealing with them since XX/XX/XXXX and still nothing is getting done. Every time it comes near the date for provisional credit, they don't offer it and act like they don't see the email that was sent to me. Every time I call them, they have me on hold for more than XXXX mins, they hang up on me, they keep stating they will expedite an email to the department who is handling my claim. Then when I get an email from them, they still disregard my concern and don't acknowledge my concern for the provisional credit. I was on the phone with them throughout the day on XX/XX/XXXX and every other day since I started this claim. No one can not help me, and they keep giving me the run around.
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

I deposited a check on XX/XX/XXXX I was told by someone at the bank that my money would be available at midnight on the XXXX of XXXX but it was not the I was told it would be available A couple days later then I was told it would be on the XXXX business day then on the XXXX business day I was told that they considered it the ninth business day then on the XXXX business day I was told I had to wait till the very end of the XXXX business day then on the XXXX business day they let me have access to my account for about three minutes and then they closed it again at which point no one would talk to me about it just send me to a voicemail every time I called I have tried to speak to a supervisor every time I have called in over a dozen times no one will let me they tell me thats not their policy Im not allowed to speak to a supervisor all I can do is leave a voicemail no one has tried to call me back through this whole situation I dont know what to do this money is part of a parent plus loan that I got from XXXX to help pay for my daughters collage and college living expenses