davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

On XX/XX/XXXX & XX/XX/XXXX, Great Lakes transferred some of my student loans to Nelnet. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted Great Lakes to ask for a deferment and it was granted. At no time did Great Lakes tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, Nelnet reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, Nelnet applied a deferment for the period of the Emergency Declaration. Nelnet will not remove the late payment notification from my credit report. I have never paid Nelnet any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. Nelnet incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IN)

- SYNCB - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- XXXX XXXX - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (KS)

I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX  at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

BEST BUY CREDIT CARD WAS A FRAUD MY SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION WAS USED WITHOUT MY CONSENT.I WAS NOT LIVING IN THE TEXAS, I REPORTED THE FRAUD TO BEST BUY AND THEY NEVER RESOLVED THE PROBLEM AND THE ACCOUNT WAS SENT TO COLLECTIONS
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This is my second time submitting this claim as the first time, PayPay 's representative ( XXXX XXXX - extension XXXX ) lied and said it was resolved. I wasn't able to reach them for days. I called again today, and then checked my claim status, which read closed. PayPal 's website is not functioning at the moment. I have tried to file a tech complaint a dozen times, and their website consistently reads error or " bad request '' without explanation. I've not been able to link my bank account to their website for now THREE MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues. This is affecting my credit and potentially score because they can't provide a dependable website.
Consumer complaint received 2020-07-16
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. (TX)

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXXr ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (UT)

We were scheduled to close on a new home on Tuesday, XX/XX/XXXX. We we also scheduled to close on the sale of our home that same morning. Monday evening Quicken Loans contacted us and told us we needed an earthquake appraisal before we could sign. Our realtor, title company, and our home inspector had never heard of such a thing. Our movers had to be cancelled which cost us a fee. We also had a hot tub mover that we had to cancel and incurred an additional fee. We have to be out of our home by Friday morning, and we have nowhere to go and no place to store our items. We have yet to hear back from this earthquake appraisal person. Quicken Loans did not accept our 63 page inspection report, then they said the earthquake appraisal was simply a drive by appraisal. This sudden appraisal request was because of an earthquake 40 miles away that happened in XXXX!? Ten hours before we were closing, they hit us with this ridiculous requirement. The worse part is they are in no hurry to get this completed. They send emails, but refuse to place a phone call to get this done. Meanwhile, the owners of the house were buying can not close on their home XXXX miles away because we havent purchased their home because of this appraisal baloney. Its going to cost us thousands of dollars due to this drive by appraisal where someone drives by and sees that the house is still standing. Quicken Loans puts everyday citizens in their queue. Were just a number to this massive organization and that saddens us. Were officially XXXX, and well have to store things somewhere, find someone else to move a hot tub, and obtain some hotel rooms because we dont know when well hear from this earthquake appraisal person. Unbelievable experience on my wifes birthday no less.
Consumer complaint received 2020-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

On XX/XX/XXXX, I called Great Lakes Educational Loan Services regarding my Stafford Loans. Following a graduate in-school deferment - which ended in XX/XX/XXXX, with payments starting XX/XX/XXXX - I chose a " standard '' plan that would repay loans at a total monthly payment of {$620.00} for 120 months. When the CARES Act forbearance went into effect, I had a balance of {$54000.00}. I continued to make payments during the forbearance period, I reduced the amount of repayment to {$46000.00}. The monthly payment was therefore reduced to {$510.00}, which was reflected as of XX/XX/XXXX. However, upon making another payment on XX/XX/XXXX, the monthly repayment had reverted back to {$620.00} an the terms of the loan had changed from 120 ( 117 if you count payments I made before forbearance ) to 92 months. 

Great Lakes said to check on XX/XX/XXXX -- after the forbearance expired to check for an updated account view because as of now, the portal is not reflecting accurate information and they are unable to do anything about the change.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MN)

I had my stimulus check from the IRS deposited to my account, the company put a hold on my acct, I closed the acct upon their recommendation and they were going to send a check to the address on file. In 2 months I Ihavent received my check. Ive called the company several times and they just pass my call around to depts and the call ends by them claiming the check was sent. On follow up calls they admit never sending a check, this has happened several times over the course of at least 2 months, they are holding my government stimulus issued check in the amount of {$1200.00}.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have tried repeatedly to resolve a billing dispute on my Chase business card, for 2 transactions totaling {$30000.00}. Previously, I have never had an issue with their customer service resolving billing disputes. I was always able to speak to someone in the United States who spoke fluent English. I was scammed by an individual, and I have faxed and emailed every piece of evidence and document they have requested of me, yet I still get generic responses and the runaround. My evidence is clear as day, as the correspondence with the " seller '' documents his admission of not sending the correct items. One of the Chase representatives actually told me that even if I don't receive the merchandise I was supposed to receive, they are unable to help me as long as seller 's tracking shows delivered. I am not getting ANY assistance from their customer service, to resolve my disputes. Because this has now been going on for 3 months, my only option is to take Chase to arbitration.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I notified Equifax of an invalid account on my credit file. The account is identified as XXXX XXXX. Under federal laws and FCRA guidelines section 609, I requested Equifax to investigate the account for validation and accuracy. Equifax exceeded the 30 investigation period therefore Equifax is in violation of FCRA section 609.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX RE : Citi Visa - Costco Visa Dispute Department XXXX. XXXX  XXXX XXXX XXXX, South Dakota XXXX RE : TWO TRANSACTIONS - TWO DISPUTES The merchant, XXXX XXXX said they refunded the entire amount due to the pandemic - NO MONEY HAS POSTED. 


I bought three airline tickets from XXXX XXXX - two separate purchases charged on my VISA Costs card One purchase : Reservation # XXXX - Two tickets for : {$1100.00} - purchased on XX/XX/XXXX for XXXX and XXXX Second purchase : Reservation # XXXX - One ticket for : {$770.00} - purchased on XX/XX/XXXX for XXXX -- ( and an XXXX  / no charge ) XXXX XXXX  SAID they refunded my money due to the Pandemic and gave me documentation. Citi Visa said they did not issue the money. 

XXXX said they refunded {$770.00} on XX/XX/XXXX - XXXX Reference Number : XXXX XXXX said they refunded {$1100.00} on XX/XX/XXXX - XXXX Reference Number : XXXX I have not received any money refunded / no money credited back to credit card. 

I am DISPUTING both charges. XXXX XXXX said they refunded the money. 
Citi Costco Visa says they did not. 

*Included is a copy of my credit card charges with the TWO disputed charges circled. 
*Included are emails from XXXX stating that they refunded my money. 

Please resolve this immediately and notify me at XXXX XXXX
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

I recently modified my mortgage. All payments have been paid on time. Selene finance is holding XX/XX/XXXX and XX/XX/XXXX payments in a suspense account and will not apply them to the mortgage. This is now showing as being two months past due and Im receiving calls and letters. The mortgage is not past due. Ive called many times and been told it would be corrected in 24-48 hours. Never happened. Ive also been told there is nothing we can do about it. Customer service is quite rude and changes their version of events every time you speak with them. My account is not past due, Ive paid every month on time yet they are refusing to apply the payment for no valid reason. Its as if they are trying to force me back into default when I am not.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP (OH)

I went to XXXXXXXX XXXX from XXXX and had student loans for tuition through KeyBank, serviced by XXXX XXXX XXXX XXXX from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), KeyBank switched servicers from XXXX XXXX to XXXXXXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from KeyBank, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXX/XX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / KeyBank reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to KeyBank executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and KeyBank for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.