davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

This complaint involves Nelnet At or about late XXXX or beginning of XX/XX/2022, Nelnet took over servicing of my student loan ( from XXXX ). 

I have opted to pay while in school, and this was never a problem with XXXX, which ALWAYS properly applied payments! 

After it was transferred to the new servicer ( Nelnet ) on XX/XX/XXXX, I made a {$100.00} Payment ( via Nelnet.com ), which was taken from my XXXX checking account ending in XXXX. The Nelnet confirmation number is XXXX, and this is supposed to be applied to Nelnet XXXX Account XXXX. 

On XX/XX/XXXX, the payment posted ONLY to my checking account ; however, it was NEVER credited to my Nelnet account. 

I placed two ( 2 ) phone calls to Nelnet the first being at or about XX/XX/XXXX, and the last call being XX/XX/XXXX. Both sourced from my ( XXXX ) XXXX number with the purpose to inquire about getting the payment credited. 

The first phone call promised a call back, which did not happen. Both prone calls promised resolution, which has not happened. 

Thus far Nelnet has taken my payment but NOT credited my loan. It has been 14 days, and I have made an effort to have Nelnet resolve this, and they failed. 

Attachments : Nelnet Payment.jpg ( Scanned payment printed Nelnet website after making payment ) Nelnet XXXX Screenshot.png ( Screenshot of my XXXX checking account showing payment taken out ) Nelnet Loan Details.png ( Screenshot from Nelnet website showing this student loan ) Nelnet Payment History not Showing.png ( Screenshot from Nelnet website showing no payment history despite me making a payment that was taken out )
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
Consumer complaint received 2021-12-30
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. (HI)

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XX/XX/XXXX and XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Consumer complaint received 2022-08-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX, XXXX XXXX XXXX Over two years ago XX/XX/XXXX we refinanced our office building with Chase Bank. On XX/XX/XXXX. I was contacted by XXXX XXXX XXXX from Chase Bank that I needed to come in to sign closing papers for the office we already did two year 's ago. I went in to see XXXX XXXX and he wanted me to resign the closing papers for our office that I already signed & I thought we had already been to closing, XXXX XXXX XXXX told me that they had lost the paperwork and it was never filed and they never used a title company. So, I told them I wasn't about to sign anything until I had an attorney look at it. So, I told a friend of mine who is a realtor about this & he put me in touch with a tile company XXXX XXXX at XXXX XXXX XXXX. XXXX searched the title and nothing had been filed at the recorder by Chase Bank. The original lien holder XXXX XXXX that I had paid off was still there as lien holder. I went through the contract that Chase Bank XXXX XXXX wanted me to sign and they had changed it all up from the original contract XXXX years previous. The Colorado XXXX XXXX XXXX XXXX XXXX, XXXX Said that Chase Bank has lost the original release of lien from XXXX XXXX and that is a problem. I tried over & over to try to get Chase Bank to take care of this matter. My attorney XXXX XXXX contacted XXXX XXXX XXXX & XXXX XXXX with no response. XXXX even sent a demand letter with no response. I got the point where I can not continue to pay an attorney. My attorney even gave me a break on my bill because he felt sorry for me. I guess Chase Bank is so big they don't have to reply to anyone they don't want to. I still pay my monthly payment on time, I've never been late. They charged me closing cost & filling fees that were never performed/filed. 

I told them if they would use the original contract as well as pay my attorney bill I would sign it. 
Chase Bank, XXXX XXXX XXXX ( XXXX ) XXXX & XXXX XXXX ( XXXX ) XXXX will not respond back
Consumer complaint received 2023-03-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc (CA)

I paid for a home appraisal with Intelliloan and it was done. I had another mortgage company ( XXXX XXXX ) come in with a lower interest rate. I then I asked Intelliloan to transfer the appraisal to XXXX XXXX. They refused to do this saying that their company policy was that they only transfer FHA or VA appraisals. I think this is outrageous because I paid XXXX dollars for the appraisal. It is mine, I paid for it! Since they wont match the offer, there is no reason why they should not transfer my appraisal.
Consumer complaint received 2021-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . 

For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX  ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. 

Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX  as a full-time XXXX XXXX XXXX  XXXX, as a XXXX  XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. 

I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. 

I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX  XXXX  the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. 

Thank you for your time, sincerely, XXXX XXXX
Consumer complaint received 2022-08-14
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. (MD)

This company appears on my equifax credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my equifax report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


Thank you, XXXX XXXX
Consumer complaint received 2021-12-30
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. (GA)

On XX/XX/2021 I contacted XXXX, Equifax, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to XXXX, Equifax, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information
Consumer complaint received 2019-07-29
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-08-24
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)

I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

I had confirmed a reservation with XXXX XXXX on XX/XX/XXXX XXXX total I paid XXXX. On XX/XX/XXXX, I received a email stating my reservation had been cancelled due to Coronavirus pandemic. They told me I had to call my bank to get the total of my money back. The bank told me it takes 90 days for them to investigate the claim, 90 days was up and I received a letter telling me they had denied my case. And I had to go to XXXX to get my money. I had talked to a supervisor at XXXX, and they said I had to go to my bank. They keep giving me the run around and here it's XXXX and I still haven't received my money. And I need the money to pay bills.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Notified Chase on XX/XX/XXXX that there were XXXX fraudulent charges on my XXXX Credit card from XXXX for a total amount of {$3800.00}. Chase 's immediate reaction was to cancel my card and send a replacement. In addition, the reversed all of the charges until such time as they investigate. I explained to them that I have been doing business for a number of years and that there is a step-by-step process before any money is exchanged with the Seller through XXXX. The first step is to send your requirement to the Seller to see if they can do what you want done ; once they validate that they can do it you negotiate the price ; once the price is agreed ; they email an order ; once you approved the order and officially supply what you want done they start working on the project ; XXXX emails a copy of the invoice for my records ; once the job completed is completed, the Seller sends me a copy for review, approval or changes ; once all of the changes are approved, the Seller the product for final review and approval ; I have 3 days to agree before the project is complete. The final step is I actually receive a product to show for my purchase. Currently, I have nothing to show for any of these fraudulent purchases and I explained all of this to Chase. Chase said that XXXX sent them my XXXX  address for my XXXX XXXX, the XXXX address for my XXXX ; my email address use for the account that I set to do business with XXXX and my credit card number, which is required to do business with XXXX. Chase reversed all of my charges base on this XXXX address information for charges and activity made in XXXX, XXXX, & XXXX. XXXX did not supply the invoice, or specifics pertaining to the XXXX fraudulent charges on my credit card for the specific date and amount for the transactions. I spoke to Chase 's Fraudulent Department and I also sent and email to the CEO of Chase and it all fell on death ears. They told me there was nothing else they could do and that I had to get it resolved through XXXX. I informed them that XXXX was totally non-responsive and they kept transferring me from on Customer Service Representative. I even asked XXXX to reinstate my account which they closed because I could validate my records through my account and this never happened. It was obvious to me that XXXX had no incentive because Chase had given all of the leverage that had away by allowing them to keep {$3800.00} of charges/ my money and I am paying for something that I did not authorized and I have nothing to show for it. Please help because I have exhausted all of my efforts.
Consumer complaint received 2022-05-16
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. (CA)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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 2022-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (MI)

Late XXXXXXXX XXXX 2022 someone stole mu social security number somehow and opened up lines of credit in my name. One company is Affirm. They seem to have no interest in helping me. They claim the fraud department is looking into it but I continue to get emails claiming if I don't pay they will report it to my credit. They told me I had to fill out a form yet they refuse to email it to me. I have had several phone calls with them and I get nothing.
Consumer complaint received 2022-08-26
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: U.S. BANCORP (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-05-16
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

I have tried to have Helvey and Associates fix the date of first delinquency on my credit reports and they continue to provide standard responses to my request, stating there is nothing new to review. This will be the final attempt before taking further action. The Consumer Law states the date of first delinquency also known as the DOFD is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. This is the date also used for State Statue of Limitations. Helvey has provided spreadsheets showing my last date of payment is XX/XX/2013. They have reaged this date and by further admittance in the XXXX XXXX report and have admitted they are using a date of disconnection, which reages the account out an additional year on my credit report. This is listed as unfair practices according to the FCRA which not only can they be fined for, I could sue them for a lot more money then they are attempting to collect.
Consumer complaint received 2022-05-16
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. (FL)

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # 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 2022-05-16
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: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX, a hard credit inquiry was done by XXXX XXXX. I called on XX/XX/XXXX, where a representative of Rocket Mortgage confirmed that they had pulled a new credit report. On Tuesday, XX/XX/XXXX I had informed the mortgage banker that I was not moving forward with a mortgage application at this time due to a personal issue. On that same day, I received a second call and informed them of the same. On Saturday XX/XX/XXXX, I received another call and I again informed them that I was putting this off and that I had already spoken to a representative regarding the situation. When I called Rocket Mortgage to inquire about the unauthorized inquiries, I was not able to receive any answer to the need for a credit pull given no active application.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IL)

They never told me I have a right to dispute also I sent them a debt validation letter I asked about information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g The document they sent me the judge name and date is not on there its blank it looks they put there name on because it's from 2013 why would they just now contact me about it. Another collection contacted me about this before they didn't provide any proof they own this debit
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (FL)

Tek collect ( XXXX XXXX XXXX XXXX Ohio XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Tek collect, nor have I ever done any business with Tek collect. But yet they continue to report this negative information on my credit and say that I owe them XXXX dollars. It keeps getting deleted than reappearing on my credit report