davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IA)

I made a payment via Nelnet.com 's online portal and it has not been posted to my account for more than 2 weeks although they already removed the money from my account. Breakdown of dates included below : XX/XX/XXXX - payment made via Nelnet.com online portal XX/XX/XXXX - payment removed from my bank account, still showing has pending online XX/XX/XXXX - payment no longer showing as pending AND not posted to account. 
XX/XX/XXXX - told by Nelnet employee that they can see my payment and that it could take an " unknown amount of time '' to post to my account XXXX - Payment still not posted
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

To Whom it may concern regarding CitiBank Case # XXXX, Claim Number XXXX On XX/XX/2023, {$4800.00} dollars was withdrawn from our checking account without our consent. After calling Citibank as to how this had happened, it appears someone had walked into the Citibank in XXXX NY, a place neither myself or my wife had ever been, and withdrew the funds from our account via the teller. An investigation was launched we received a letter stating that the claim had been denied. 

We appealed the decision. I first went to the 1st police precient in XXXX were we live and was told that since the theft happened in XXXX and is a grand larceny case my best bet was to file a police report there. I went to the XXXX police department and filed a police report and then to the Citibank in XXXX to talk to the manager. He said it was good we filed the report because now we can subpoena the footage and the card reader device to see the card used. My card never left my wallet. 

I spoke to the fraud investigation dept again letting them know I had filed a police report with which I had emailed to XXXX. I had to keep making investigators aware of the emailed report since they never know anything about it. The agent I spoke to found the email and asurred me if would be sent to the agent investigating our claim. 

My take on what has happened. 

My card was going to expire at the end of XX/XX/2023, a new card was most likely sent in the mail but we had moved so the new card went the old address and was intercepted by a fraudster. How they were able to gain my pin I dont know, I can only ascertain they were able to reset it Online or via a phone call with Citibank XXXX Bottom Line they were able to reset the pin via CitiBank The agent I spoke to this time said this was new and good information and that he would pass it along to the investigator and I would here back via a phone call. I never heard back... so I called and was told we have been denied again for the same reason. 

I again called to appeal and added subsequent information that could be applied to the investigation and again was given lip service about the new and relevant information that could help and I would receive a phone call within 24 to 48 hours never receiving a phone call. 

7 days later I received the same letter of denial only with a different date on it. its very obvious that no further investigation was ever done or is ever done. 


I have come to find out that Citi has a terrible reputation on reimbursing their customers that get scammed. We have been with Citibank for almost 30 years and have put millions into the bank via our paychecks and a home equity loan. 

The next step for us is to get a court ordered subpoena for the video footage and card reader from the XXXX NY CitiBank branch via the attorney general of NY State. 

CitiBank Case # XXXX, Claim Number XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- XXXX XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX XXXX, XXXX, AZ XXXX ) ( XXXX ) and ( XXXX XXXX ) /LOANCARE ( a XXXX   XXXX at XXXX XXXX XXXX, XXXX   XXXX , VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF XXXX AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both XXXX and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by XXXX in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with XXXX. 
3 ) For calendar years XXXX and XXXX XXXX met its obligation under the Contract and subject loan which XXXX designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $  XXXX/year ). 
4 ) During calendar year XXXX XXXX   transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted XXXX and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at XXXX and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from XXXX   and therefore could not be held responsible as a result. Finally each of XXXX and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result. 

Yours Truly, XXXX XXXX. XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

XXXX I never consented to opening loan the school I attended never disclosed to me that I would be taking out student loans to cover the high priced tuition I would have never attended the school if I knew I had to take out a loan.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NM)

Horizon Card Services was a rip off card service that I used back in XXXX and quit using in XXXX. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in XXXX XXXX and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

In XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX  from US Auto Sales. The cost of the XXXX was XXXX. I also purchased a warranty and Gap insurance policy my total amount financed was XXXX according to my credit report in XXXX of XXXX. Now since XXXX of XXXX I have made 30 consecutive payments of XXXX which adds up to XXXX which should leave a balance owed of XXXX. As you may know my loan was transferred to Westlake Portfolio Management in XXXX of XXXX they claim I owe XXXX and am needing to pay XXXX per day interest rate. I have tried to explain the situation to them but as a result am currently facing repossession of my vehicle. I thought I was rebuilding my credit with this loan and it has inturn harmed my credit immensely. I also am required by my contract to carry a sufficient insurance on my vehicle.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

I received a copy of my credit report and I'm disputing the XXXX XXXX XXXX Charged off account that is reporting inaccurately. Im requesting that you reinvestigate this account and then remove it from my credit report for violating FCRA 15 U.S.C. 1681 section 623. 

FCRA violation. Credit Reporting agency has failed to list XXXX XXXX XXXX as a disputed account after a valid dispute was sent. 

FCRA 623 ( a ) ( 5 ), FCRA 623 ( a ) ( 2 ) violation. Inaccurately reporting date of last payment and last active date as XX/XX/XXXX. Simultaneously, inaccurately reporting payments after the account has been charged off for the following months ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ). 

FCRA 623 ( a ) ( 2 ), section 605B violation. This account was disputed by consumer as fraudulent and this information does not relate to any transaction that I have made.

FCRA 623 ( a ) ( 5 ) violation. Credit Reporting agency does not list closing date for charged off account.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: AMCOL Systems, Inc. (IN)

Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up. 
The number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

From XX/XX/2023 to XX/XX/2023 I have had to make multiple inquiries in regards to unusual activity ranging from random payments and drastic balance changes increasing amounts owed. My loan servicer has letters from the department of education stating my loans from two universities which are the only universities I have been to are being discharged and refunds issued. Anytime I have had to call I always check on the status as well. It never fails that I get different information every single time. I get referred to the department of education who then tell me no what Nelnet said is incorrect. I was told in XXXX and XXXX several times including via only chat by at least two representatives it would be complete in 15 to 45 business days and not only isnt it done but now they are claiming it wont be done till the end of the year. They refuse to provide transcripts of those conversations. I have told me they will do some research and get back to me but never do. Ive been sent letters on two different occasions saying my discharge is complete when its not. When I ask if its done why have I not gotten my refund and no one can tell me. I also do not remember requesting consolidation of my loans. When I ask for documentation showing when I requested consolidation they refuse to provide it. When I tell them I see on the dept of ed site it was electronically signed but I want documentation showing I requested that because I do not remember electronically signing anything. Ive submitted other documents that go missing. My loans were supposed to have been in Administrative Forbearance since XX/XX/XXXX yet Nelnet never put them in that correctly. So now Im getting emails and letters saying Im required to start making payments XX/XX/XXXX. The level of incompetence is unbelievable. As a veteran who was already taken advantage and who suffers severe XXXX  due to my service this has aggravated it.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.
Consumer complaint received 2023-08-08
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: GOLDMAN SACHS BANK USA (PA)

I was about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit. 

Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.
Consumer complaint received 2023-08-08
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. (OH)

This account was opened fraudulently without my knowledge and I would like this fraudulent information removed. Account was opened XX/XX/2022 and closed on XX/XX/XXXX, XXXX Credit limit approved for {$700.00} and {$550.00} was used of this approved limit.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AR)

On XX/XX/, I contacted Federal Student Aid and logged a complaint that my student loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from Federal Loan Servicing to Nelnet and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/2023, I received a reply from a representative of Nelnet, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XX/XX/2023, I have not received any updates from Nelnet in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XX/XX/2023, I reached out again after not receiving a reply from Nelnet. I informed Nelnet that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe Nelnet has violated Reg V guidelines. 

I am still waiting for a reply from Nelnet and therefore reaching out to CFPB for help.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I dont know who the company is that are reporting and eviction. I know nothing about the information that is being reported. I dont know how they got my information, I didnt give them my information.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (KY)

GreenSky lending lent us {$15000.00}. Within a month we had paid the amount in full of {$14000.00} after an initial payment. This amount has been on our record for the past four months and they have yet to remove it from our credit report. I have sent countless emails and have tried to get them to remove it to no avail.
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (OR)

I purchased a set of tires and had them installed on XX/XX/2023 at the XXXX XXXX, XXXX XXXX location. I also purchased an oil change. I used Affirm to pay for the majority of the tires. I then see a similar loan for {$420.00} set of tires for XXXX XXXX, XXXX, XXXX, XXXX location. I have disputed this with both Affirm & XXXX. XXXX can not produce any proof of me picking up the tires although they claim i did. Also they couldnt provide any XXXX XXXX on it. At this point if i dont pay for the false loan my credit rating will suffer. What other recourses do I have?
Consumer complaint received 2023-08-08
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: GOLDMAN SACHS BANK USA (CO)

I am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter. 

The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX  ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance. 

I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities. 

Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report. 

Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I had my tax refund in the amount of {$32000.00} deposited into my chime account on XX/XX/2023 on the same day my funds were deposited I sent some money to a family member to help with pay rent immediately after sending the funds chime put a hold on my account and asked me to verify some information which I did shortly after submitting the documents to them they then asked me to send the verification that the funds were intended for me and where the funds came from which I again sent them the information and documents to confirm that the funds were mine and intended for me after doing so and after four days of waiting they proceeded to close my account with my funds still in the account and told me I cant have access nor will my money bet sent out in a paper check. Ive called them multiple times and spoken with multiple people and every person I spoke with informed me that I indeed sent every document needed to regain access to my account but they do not have the authority to open my account that the back end office had to do so but they keep giving me the run around i have stated to them that I needed access to my funds so I can pay my bills and that I have a child with a XXXX that I have to get things for as of this moment I have {$28000.00} in that account with no access to it I have done everything asked of and have yet to be told whats happening with my account all chime keeps doing is sending me repeat emails asking for the same information Ive already provided to them. I truly need some kind of help getting this matter resolved please.