davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OK)

My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (PA)

We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank.
Consumer complaint received 2015-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation (CA)

Dear XXXXQuality Loan ServicingI appreciate your time in resolving title challenges. Your response XX/XX/XXXX raises more questions. 
XXXX has confirmed by letter the servicing was scheduled the last quarter of XX/XX/XXXX only - not XX/XX/XXXX. 
Therefore who ordered foreclosure XX/XX/XXXX - provide documentsMy bankruptcy attorney was not noticed at no time by Quality Loan Servicing XX/XX/XXXX-XX/XX/XXXXI am waiting for response from appropriate parties- Quality Loan Servicing was not obligated to notice bankruptcy attorney or bankruptcy about moving forward with XX/XX/XXXX foreclosure. 
There was a modification pending with XXXXTo date the XXXX XX/XX/XXXX is void- no record foundThe debt was reaffirmed in bankruptcy and provided to XXXXQuality Loan Servicing would you provide any communication to or fromXXXX XXXX ( to QLS ) Bankruptcy attorney XXXX ( from QLS ) Bankruptcy trustee XXXX ( from QLS ) Or any other documents connecting XXXX to QLS after XXXX was taken over by FDIC in XXXX XXXXIt appears there is a violation of the bankruptcy stay
Consumer complaint received 2022-10-04
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: CITIBANK, N.A. (IL)

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to CBNA, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (IN)

On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX Account number XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I contacted Synchrony Bank for my Walmart credit card account regarding the way my payments are being applied to my account, as I have both a zero interest promotional balance and an interest bearing blance. The rep stated that payments are first apllied to interest and fees, then it is applied to lowest interest balnce to highest. I verified to make sure I understood correctly that any payment above minimum is first applied to interest and fees, then it is applied to the lowest interest balance FIRST before being applied to higher interest balances. He stated this is correct and if I would like my payments applied differently, I can call after a payment is posted and let them know how I would like it allocated. I am confused because I thought the 2009 CARD act prohibited applying payments above the minimum balance to the lowest interest rate first.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

XXXX XXXX XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (GA)

Barclaycard closed my account and took the earned points I had on my account with no explanation as to why. The accumulated points totaled XXXX, with an approximate value of {$15000.00}. I received a letter stating that the account was closed " in accordance with the terms and conditions of the Card Member Agreement. '' The letter never states which term or agreement was violated. I have never been late on my monthly payments or missed any payments. I made several phone calls to discuss this with no success. Each time I was told to mail a letter. Attached is the letter I mailed to XXXX different addresses I was given by Barclaycard Customer Service.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. 

I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. 

She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. 

The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. 

It 's a shame they are stealing money from people right before XXXX.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

We have a mortgage with Loan Care, a XXXX Company, XXXX. XXXX XXXX, XXXX XXXX, Virginia, XXXX, XXXX. They purchased our loan from another company approximately 1 year ago. Since that time we have had nothing but XXXX problem after another with this company. It started with trying to set up the accelerator program and missing payments. Since before XXXX we have had an issue with login on to their website. I called on XXXX XXXX, 2016, explained the problem and was told it was an issue with their website. I was told they would have the problem fixed and a return telephone call by the end of the business day. There was no return call and the login issue was not fixed. The issue has continued until today ( XXXX/XXXX/2016 ). I called Loan Care on XXXX/XXXX/2016 and explained the issue again. I was told to rest our password through their link. I followed their instructions and their own system failed to provide a temporary password for login. I was again promised the issue would be repaired with a return telephone call within 30 minutes providing me with a temporary password for login. After approximately 3 hours with no call, I called the company again and explained the issue again. During this telephone call, I was once again promised a return call from a supervisor, and a resolution to the issue. So far, the issue has not been resolved. This appears to be a reoccurring issue with this company, because I was told that they had to change their procedure in dealing with a complaint about their website. 

This is a major issue because we are wanting to pay our loan off early and because of the login issue we are unable to make additional payments. I have began to wonder if this is an issue to prevent individuals from making additional payments.
Consumer complaint received 2022-10-04
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: PDQ Services, Inc. (SC)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2020-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX appears on Transunion credit report as verified and updated. 

However, this account is reporting inaccurately and Inconsistent under the FCRA. 

Account reports inaccurate balance, original creditor XXXX XXXX XXXX  reports a credit limit of {$450.00} while debt buyer reports a balance or credit limit of {$980.00}. this information is inconsistent, and inaccurate. A violation of FCRA rules section 1681 Account reports inconsistent, misleading and inaccurate name of business address and phone number a violation under section 1681 fcra.

Account does not accurately report last date of payment. A violation of FCRA rules section 1681 Account does not appear on either XXXX  be or XXXX this reporting is inconsistent and the violation of fcra rules section 1681.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Management Solutions, LLC (DC)

{$1400.00} was is on my credit stating that I owed this amount and they were informed that this was XXXX XXXX ( a person I dont know ) wrongfully using my information without my permission and now it on my credit.