davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MA)

I have federal student loans that were once serviced by Nelnet. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but Nelnet is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the student loan debt that I actually do. I twice submitted a request for this to be fixed through XXXX. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. Nelnet then rejected the request again in less than 24 hours. Nelnet 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called Nelnet on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through XXXX to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX EDUCATION/NELN Balance {$53000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$49000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$18000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$29000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$19000.00} Balance updated XXXX XXXX, XXXX
Consumer complaint received 2017-03-27
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: U.S. Collections West, Inc. (AZ)

My spouse received a debt notice from U.S. Collections West, Inc. ( in AZ ) for early termination of her lease. She did not respond, which led to her wages being garnished. She assumes full responsibility and since the initial garnishment, we have been trying to stay in contact with the collections agency. My spouse has spoken with the agency and provided her consent for me to be able to speak on her behalf. We first worked with XXXX and set up a plan, so that we could make payments without a second garnishment ( legal action ). After a while, XXXX stopped returning phone calls. The garnishment ceased for a few paychecks, then continued. I finally got a hold of XXXX, only to be told that my spouse 's case had been transferred to another person, XXXX, who is a supervisor. I spoke with XXXX once and discussed a plan going forward. To this day, we have left her 5-6 voicemail messages and have not received a return call. Since speaking to XXXX, our address has changed so there could be notices being mailed ; however, we have not received anything. I can not update the address on file if no one is calling me back. Per my last conversation with XXXX, she was supposed to contact XXXX ( the company that handles payroll for my spouse 's job ), in order to confirm if my spouse 's garnishment had been satisfied. From there, she needed my spouse to sign documentation for a payment plan, so that there would not be another garnishment. We can not proactively get ahead of a XXXX garnishment if the collection agency refuses to talk to us. My last conversation with XXXX was on XXXX/XXXX/17, since then I have left her 6 messages, none of which have been returned. Also, my spouse has received some sort of notice in the mail stating that she will be garnished for 2 more payments of approximately {$120.00}. We need to understand why, if that is a part of the previous garnishment, if it is a new garnishment, etc. We need answers. From our understanding, this was a 2 part garnishment. We understand that the first part is currently in process ; however, we are attempting to work with this agency to prevent the second part of the garnishment.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

Chase bank did a wire transfer from our bank account. It was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$21000.00}. On XX/XX/2023
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

On XX/XX/2024 I made 4 withdraws from XXXX  XXXX  in the amounts of {$10000.00} {$5000.00} {$6000.00} and {$1000.00} after the withdraws were credited to my Venmo account I made 3 deposits back into my XXXX  account in the amounts of {$100.00} {$25.00} and {$200.00} and submitted a bank transfer to my XXXX checking account in the amount of {$2100.00} leaving a balance of {$19000.00} in my Venmo account. As soon as I initiated the bank transfer before I could even do anything else it came o up in my Venmo account that my account was suspended. I received no email or reason for the suspension other than I violated policies Im still uninformed as to what policies I violated. My Venmo is linked to my XXXX  account as a deposit method as they allow withdraws and deposits for XXXX which I have done previously and they allow transfers to and from a bank account I made no other transactions and attempted no other transactions they first told me that I needed to submit my id and an XXXX  for release of my funds so I submitted them, then I get an email stating that they were permanently closing my Venmo account and keeping my {$19000.00} and may release it to me in 180 days for loss protection. Ive never heard of such a thing and I want my money my Venmo account was closed by them. The emails they sent me are not signed by anyone with a name its signed simply account team and they have yet provided an explanation or what violation I committed to cause account closure. Please help me get my money from Venmo.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

Had a total of XXXX XXXX XXXX in 1 year & 3 months I went on XXXX 2016. I'm still on temporary XXXX but had several XXXX since then I was on forbearance before pandemic because living on XXXX I struggle to pay bills. I'm sure SS will not put me on total & permanent XXXX I'm almost XXXX and XXXX  months. 
I can not XXXX with XXXX and use XXXX XXXX I personally think I should qualify to have my student loans excuse due to my ongoing XXXX which keeps me XXXX unless I have help going out.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AL)

NEW : I called XX/XX/2024. Flagship denied my deferment again. The customer service rep stated it was denied due to no income this time. I've attached the record call and transcription. 
You will hear based on the recorded phone call/transcription that this was not the case. The customer service rep read off the notes that I did request a deferment, informed them that I started work XX/XX/2024 and will be able to make a payment XX/XX/2024. I made XXXX payment of {$670.00} early, XX/XX/2024. I requested the rep to resubmit request for deferment. Flagship keeps changing the reason for denial. They are aware of my situation. I told them when I started work and when I get paid. They do not send out denial letters. I should be able to receive information on my account for any disclosures regarding transactions, requests, approvals/denials, etc. That is very deceitful for a financial institution. They should disclose in writing why I was denied. Not tell me they can only say over the phone. I have a right as a consumer to receive this information in writing. I've asked numerous times since beginning of XXXX and received nothing.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (VA)

I received a bill from XX/XX/2021, from XXXX, XXXX XXXX XXXX. The bill says I owe {$1200.00}, for an unpaid " XXXX XXXX ', filling. I contacted them last XXXX, after receiving the XXXX XXXX XXXX bill, letting them know Ive never had a XXXX XXXX file. That they needed to file it properly under my fully covered, XXXX, that I had then and have still, now. The girl I spoke with said she would re-file it, but instead, Im receiving a collection bill from Frost-Arnett .
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (IN)

XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX  XX/XX/XXXX is not an employer. 

XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX Chase bank account froze my account the reason is not making any sense someone else called my bank and said fraud and how can somebody speak on my account so they froze my account from what happened XX/XX/XXXX and today is XX/XX/XXXX if they was gone freeze why not freeze it before I get my taxes not wait till I get my taxes and freeze my account and this same problem happened every year they freeze my account for some reason they can find and I dont agree that
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I'm new to venmo. I had someone send me money and venmo froze my account. I understood and submitted my driver 's license as they requested. 

The same person was going to send money again and I paused and called venmo to make sure my account was good to receive. They said YES my account is perfect to send or receive money. 

Right when the same person from before went to send money, my account my frozen again!!! I spoke to multiple supervisors who promised me that it would be taken care of within XXXX hours and that did not happen. 

I have been lied to multiple times by supervisors, XXXX XXXX. And XXXX.
Consumer complaint received 2022-10-04
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. (UT)

As of XX/XX/2022 I reached out to all three credit bureaus, Experian, XXXX, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am requesting Bank of America to review the decision on closing the account. I still have credit card with Bank of America and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Bank of America credit card. I am asking Bank of America to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-02-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I attended the XXXX XXXX XXXX from XXXX. I obtained a XXXX XXXX XXXX. I took out XXXX private loans from XXXX XXXX through the University. In XXXX, I filed for bankruptcy due to the amount of student loans in repayment, losing my house and becoming in debt. After my bankruptcy XXXX, XXXX of the private loans went in default. A law firm took over the debt and agreed to a payment arrangement {$1000.00} a month for XXXX months. I finished the payment arrangement. In XXXX, my state joined in on a class action lawsuit against XXXX XXXX, which is now Navient because of predatory loan practices. I met all the requirements of the lawsuit, which was settled last year. I received an email a few years back that I may qualify for this lawsuit, however I haven't received any updates regarding this. I am in debt and currently my monthly payments for both private loans total out to almost {$1900.00} per month. The first loan borrowed amount was {$32000.00} and now I owe {$100000.00}. The second loan amount borrowed {$20000.00} now it over {$55000.00}. I am currently a certified teacher and I can't allow my loans to go into default because I can lose my teacher 's license. Please, I need help!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TN)

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

The privacy act of 1974.

( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-02-29
Product: Credit 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: CITIBANK, N.A. (KS)

XX/XX/XXXX I received notification of a possible fraudulent transaction. I immediately called citi and spoke with their representative that it was indeed fraud. They issued me a new credit card number and I assumed it was taken care. Citi sent me photos of a fake ID used that was not my picture and a fake credit card. It was not a " double cash '' card like they know my card is. In spite of this, they have concluded that I'm held liable for this transaction today, XX/XX/XXXX. They already drafted the $ XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/year> {$490.00} XXXX 2023 {$490.00}
Consumer complaint received 2020-11-13
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: Lending Club Corp (MI)

My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.
Consumer complaint received 2017-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion about Inquiries that i didnt authorized and they could not help me. So i decided to do a little more digging and came up with this site. 
The inquiries i am referring to are : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX/XXXX/XXXX I didnt authorize noone to run a credit check on the above inquiries i suspect i am a victim of Identity theft.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC (TX)

This is defamation and in the USA the defamation is pad, everything this person says about me is a total li, his worker is a rude despot. He seems to be the owner. 
I want My car tittle or we Will see you in court. This loan is more tan paid off Please help me Responding to the person Who raised me falsely regarding my complaint at Loan Star Title Loans located at XXXX XXXX XXXX XXXX XXXX tx XXXX.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (IL)

On XX/XX/2020 my bill for account US BANK Date opened XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

ME & MY CHILD WAS PROFILE BY THE BRANCH MANAGER LIKE WE WAS TRYING TO SCAM THE BANK & ALSO WE WAS LIED TO BY THE WORKER ON BEHALF OF THE BRANCH MANAGER TO TELL US THE MONEY ORDER WAS FRAUDULENT JUST TO BRUSH US OFF WHEN I HAVE AN ACCOUNT THERE AND AIN'T NEVER HAD NOTHING FRAUDULENT EVER COME THUR MY ACCOUNT SHE STOOD THERE LOUD SAYING CALL XXXX XXXX & THE WORKER SUPPOSED TO HAVE BUT I DON'T THINK HE DID BECAUSE I CALLED AND THEY SAID THE MONEY ORDER WAS OUTSTANDING I CALL ANOTHER BRANCH UPSET & TOLD THEM WHAT JUST HAPPENED THEY INFORMED ME TO COME THERE WE WENT THE BRANCH MANAGER WAS POLITE & CALLED XXXX XXXX AND THEY TOLD HER IT WAS OUTSTANDING SHE HAD MY CHILD SIGN IT OVER TO ME & WENT AND CASHED IT ME & MY CHILD WAS BASICALLY PROFILED BY THE BRANCH MANAGER & EMBARRASSED LIKE WE WAS IN THERE SCAMMING IT WAS A CUSTOMER IN THERE JUST STANDING THERE LOOKING AT US LIKE WE WAS CROOKS TO BE EMBARRASSED LIKE THAT WAS HEARTBREAKING I'VE BEEN WITH THIS BANK SINCE AROUND XXXX & TO BE TREATED LIKE THAT FROM A BRANCH MANAGER WAS UNACCEPTABLE WHEN I HAD THE MONEY IN MY ACCOUNT TO COVER THE MONEY ORDER OF {$830.00} IT WAS AN EMBARRASSMENT WHEN WE HAD TO GO SHOW ALL KINDS OF PROOF & WAS STRAIGHT LIED TO BY THEM HAD ME FINNA GO BACK TO XXXX AND GO OFF ON THEM ABOUT MY DAUGHTER MONEY THIS COULD OF BEEN AVOIDED IF THE BRANCH MANAGER HAD NOT HAD THE WORKER LIE I WATCH HER THE WHOLE TIME BUT THE OTHER BANK HAD NO PROBLEM AND CASH IT... SAME BANKS THO ... .XXXX..WE WAS PROFILED & EMBARRASSED WE ALSO HAVE THE PICTURE SHOWING IT WAS DRAFTED OFF HER CARD WITH A PIN NUMBER