davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( XXXX, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a Third-Party to confirm your authority to act?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET XXXX XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against NELNET and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, XXXX rep/agent/living beneficiary/grantor all rights reclaimed and reserved.
Consumer complaint received 2021-11-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I just submitted my complaint yesterday, case # XXXX. 
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No date.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I deposited a check At Branch # XXXX XXXX Wells Fargo in the amount of {$98000.00} on XX/XX/2022. the branch manager XXXX assisted me and informed me funds will be available for withdraw on XX/XX/2022, but to give a few days to be processed completely.. The next day on XX/XX/2022 my account was put on hold due the fraud. I called and the man from fraud department said he called the company and they said they did not write check.. the man was only away for a few minutes not enough time to speak with someone. Also the business was closed at the time and the owner was not present... I received check from the business it has a chip in it so the man lied to me on the phone... he said my funds will be released XXXX I received not funds yet. I was charged {$5.00} fee for the check form wells fargo. My statements show that the funds are available also this is recorded on my connected apps.. this is the second time wells fargo has violated the codes and regulations and my consumer rights... The image of my check is not my check it is deposit information... I am attaching proof of this claim. This is UNACCEPTABLE!!!! Please help me in getting this problem solved... Now wells Farg is closing my account XXXX XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

THE COMPANY TRANSWORLD SYS INC/XXXX  PURCHASED A DEBT FROM SOME OTHER COMPANY AND I WAS UNINVOLVED IN THE ILLEGAL TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING I AM NOT MY ALL CAPS NAME. I NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH TRANSWORLD SYS INC/XXXX. XXXX, XXXX  & XXXX  ARE ASSUMED TO BE CREDIT BUREAUS BUT PURSUANT 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' means the bureau of Consumer Financial Protection.
Consumer complaint received 2021-11-14
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: Paypal Holdings, Inc (FL)

I am a victim of Identity theft. I contacted all XXXX bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the XXXX office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies XXXX xs and have not gotten any relief or support.
Consumer complaint received 2017-01-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC (AL)

They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (FL)

I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (IL)

This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka Certegy and XXXXXXXX XXXX XXXX! Not only did they steal {$25.00} fraudulently from my XXXX checking account under the name of XXXXXXXX XXXX  XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, presented it a second time, then a week later Certegy steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and XXXX XXXX!!! They told the CFPB they did not receive this fee and had resolved all on their end, XXXX XXXX XXXX!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank XXXX XXXX  which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from Certegy  showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL  that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by XXXX or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX and XXXX I accidentally paid my JetBlue XXXXXXXXCard twice from my XXXX XXXX XXXX account. {$10000.00} was paid twice. I caught the issue in early XXXX and called immediately. Customer servicetold me they would try and cancel the second payment. I called again in mid-XXXX  and I was told that the request had not been processed and that they would issue a check I called again in early XXXX to inquire about the check and I was told I was under investigation. On XX/XX/XXXX They issued a formal letter which I havent closed asking for another 45 days to deal with my issue. What are my rights? This seems illegal that I should be sitting now for 2 1/2 months with a negative balance and money owed to me. Based on their request for another 45 days they will have had 10,000 of my hard earned dollars for over four months
Consumer complaint received 2022-11-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Company name : PayPal Mastercard account My rewards cash back are missing. The last time I did redeemed was on XX/XX/XXXX with the amount of {$10.00}. Since then I couldnt able to redeem it. The company owes my rewards from XX/XX/XXXX to XX/XX/XXXX. 
Every time I am trying to redeem the cash rewards I got a error message redemption failure and it took away my cash rewards and it never applied to my PayPal wallets.The company owes me more than {$100.00} cash rewards and I want as a check for that rewards. Because I m not able to redeem it.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I am an XXXX  who files legal documents through an electronic portal called the XXXX  XXXX XXXX. If a fee is associated with a filing, then I pay that fee through the portal by a withdrawal from my professional checking account at Chase Bank. Recently, the portal informed me that it would be using a new payment processor and that I should confirm with Chase Bank that no " debit blocks '' were associated with my professional checking account. 

On XX/XX/XXXX, I entered the Chase Bank situated at XXXX XXXX XXXX XXXX in XXXX, Florida, to discuss the foregoing. However, the employees at that bank refused to discuss the matter with me and informed me that I must make an appointment for a later date to discuss the matter. 

Since I first opened an account at Chase Bank two years ago, the bank has become much less accommodating to depositors. An employee of Chase recently informed me that Chase has decided to focus on commercial transactions which I interpreted as commercial transactions of " large value ''.
Consumer complaint received 2019-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OR)

Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( Chase Bank, XXXX XXXX XXXX ; XXXX XXXX : XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX XXXX XXXX ). Both Chase bank ( intermediary account to which funds were sent ) and XXXX XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. 

Details : Funds were transferred via XXXX XXXX on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX XXXX account ( sender 's account from which funds were taken ) to the Chase account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from Chase ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account. 

Companies Involved/Steps Taken : XXXX XXXX : funds transferred from sender to receiver 's intermediary account through XXXX XXXX wiring service ; they stated that they are unable to refund funds that have already been deposited Chase Bank : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX XXXX and say there is nothing they can do on their end XXXX XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to Chase and say there is nothing they can do on their end. They have also refused to reach out to Chase on my behalf or engage in a conference call, even though employees have done this before for me. 

XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with Chase, so they can not initiate or reject the transfer
Consumer complaint received 2016-06-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My VA mortgage with USAA was paid in full through refinancing with XXXX XXXX on XXXX/XXXX/16. There was an escrow account in the amount of {$3300.00} to be refunded and mail to me at the address they had on file. To this date XXXX/XXXX/16 I still have not received the escrow refund. I feel this is an abusive amount of time specially in the digital age we live in.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Our company is XXXX and on XX/XX/2022 a client, whose name I am redacting to comply with the confidentiality instructions for this complaint, but whom I will refer to as buyer hereinafter, purchased a XXXX XXXX  drain pump with housing and a jar of XXXX gel coat through our website. The total for this was {$140.00}. The transaction for this purchase was done through PayPal. The clients items were delivered to the clients address in accordance with XXXX tracking number XXXX. Then, months later, on XX/XX/2022, the client apparently filed a dispute for item not as described and PayPal sided with the customer in giving them the full amount of their dispute which was {$140.00} ( XXXX XXXX XXXX and XXXXXXXX United States Dollars ) as the resolution to the dispute case number XXXX XXXX Needless to say, we disagree with this decision and began inquiring with PayPal as to how they came to this decision. Our team members asked questions such as how was the item not as described? Do you have an image which shows how the item was received and which, furthermore, proves that the item was not as described? Do you even know what the item was or did you simply flip a coin and decide to side with the buyer? In summary, we first and foremost want our payment of {$140.00} returned to out account and, second of all, want to know how PayPal came to this decision in the first place if they did not have any evidence whatsoever that the item was actually received in a way which was not as described.
Consumer complaint received 2021-11-15
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: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to JPMCB CARD, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-12-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (VA)

For the last 9 months I have not been called by anyone from M & T bank. They reported a repossession on my credit even though the account shows as current in their system. I never missed a payment. XXXX XXXX and XXXX XXXX do not return calls and they do not give emails. My credit report has shown an incorrect repossession for more than 5 months. This is the worst customer service I ever witnessed in my entire life. Seems like the bank is participating in a conspiracy to intentionally destroy peoples lives.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

During the start of XXXX Wellsfargo had XXXX payment assistance plan for their customers. I participated in the assistance plan for 1 month, and I decided that I was able to continue to pay my mortgage regularly the next month. I called their customer service reps and I was told that the unpaid amount under the CARES ACT would be just added to the end of my loan. I never signed or received any documents. 

On XX/XX/22, I decided to apply with wellsfargo to refinance my home. I provided them with over 60 documents, everyday seemed like a hurdle and they continued to ask for documents that seemed almost impossible to obtain. I continued to provide them with the impossible within a few hours of them requesting documents. In this process, I learned that the 1 month of XXXX  relief automatically flagged my account as in " forbearance. '' This was never explained to me and obviously will affect any other mortgage company I try to contact. After almost 2 weeks of underwriting -- they call me to say that " things had changed and how much money I had in my checking account because to make the refinancing work I needed to provide cash '' this was today XX/XX/22. I told the mortage advisor to close my application since it has been a hurdle each time. He said " OK '' and hung up on me. They closed out the application. As I am working with a different bank, they notice that wellsfargo has listed my account to be in " forbearance. '' I asked them for payments made for the last 12 months to prove that I have made them, and documentation that explains I " exited forbearance '' they sent me the document -- it was never signed by me because I never was notified that they were doing this. Please let me know if you can help. This is unfair. It is almost like wellsfargo knew I wouldn't be able to provide the cash since they could see my bank account so I could close out the application. This avoids them from " having to reject a minority. ''