davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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. (FL)

XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX  account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXL Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card 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: CITIBANK, N.A. (NV)

I have an account that was with XXXX. I was making payments on this account monthly at {$25.00} a month for some reason the payments stopped and i was NEVER notified they stopped. I was reached out to by a company called XXXX XXXX XXXX on their behalf in the state of Florida. I do not live nor have I ever lived in Florida. I was there briefly for a few a months taking care of a family member, the address listed was mistyped and Ive never heard of what they had until I realized what the address should have been. I have since then relocated back to XXXX XXXX. XXXX and XXXX XXXX  XXXX both refuse to assist me in making payments on this account. I am trying to get this account resolved once and for all and continue making payments so we can zero this out. I am willing to make monthly payments at a higher amount, offer a settlement etc. but to threaten to sue me in a state I dont live and to refuse to take any payments to sue me is disgusting.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I contacted two crypto financial entities Coinbase Wallet and XXXX XXXX XXXX XXXX regarding XXXX in the amount of {$290.00} in my Coinbase Wallet XXXX staked/deposited with XXXX when connecting Wallet  to XXXX governance platform online the staked deposit amount shows XXXX. I have contacted Coinbase Wallet support in addition to making compliant in reference to the following case # XXXX XXXX, XXXX, XXXX, and XXXX unsuccessful in getting a resolution. I have also contacted XXXX via email and messaging which states all though there are restrictions on trading and participating in governance if US resident you can still withdrawal staked deposited XXXX, however coinbase Wallet shows XXXX balance instead of {$290.00} deposit. I have also made complaints to XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Consumer Complaint Case : XXXX Date Submitted : XX/XX/2022 and SEC Submission Number XXXX was submitted on Wednesday, XX/XX/2022 at XXXX AM regarding this serious matter with Coinbase Wallet.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (FL)

Navient In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (TX)

Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have been demanding to have these accounts removed with Equifax, and they refused. As of XXXX XXXX, I have been in communication with Equifax and they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ) Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (AZ)

Upon reviewing my updates, there are Addresses seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following Addresses were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-01-31
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I have called Nelnet and I have filed a previous complaint here : XXXX. After the Company 's response, my previous complaint was closed. But, the Company 's response ignores the fact that I have called to request a statement on my loan and they have not sent one since XXXX. Although they never mentioned it when I called, their response indicates that they auto-enrolled me in electronic correspondence only- without my permission, but that they would " change my preference '' so I would receive paper bills in the future. That was XX/XX/2022 - I have still NOT received a statement on this loan, though I have received two on my other student loan with Nelnet. The Company 's response was unacceptable. First, they should not be allowed to stop sending statements without authorization from the borrower. If I have not previously authorized e-correspondence, how can the claim that by NOT responding to their email, I somehow consented to correspondence only by email. That is ridiculous. Second, despite multiple phone calls, and a prior CFPB complaint, they are still not sending me statements.
Consumer complaint received 2022-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/XXXX I was in correspondence with a gentleman from XXXX to purchase a pomsky puppy from him for the price of {$810.00} all seemed promising he informed me to transfer the money through Zelle I signed up for a zelle account and was only able to send {$500.00} so he and I agreed I'd send that and when he shipped the puppy I would send him the remaining {$310.00}. I was guaranteed that the money was 100 % refundable and was no risk if I changed my mind. After hours of waiting for him to send the agreement paperwork I got suspicious and questioned him he told me to relax and he would email me the agreement which he did at this point I was uncomfortable and realizing I had made a very poor decision. I contacted my bank to cancel the transaction and was informed that I couldn't cancel the transaction but would have to file a merchandise dispute. I than reached out to the gentleman once more in hopes that he would refund me the money and to no surprise I got no response from him so on XX/XX/XXXX I was back in contact with my bank and ultimately filed the dispute to which I was denied because I sent the money through zelle which doesn't offer any protection to the sender for fraud. I contacted zelle after speaking with the bank and was told the same thing. They would do nothing I asked what they planned to do with the gentleman who stole my money and was informed that they would close down his zelle account but that was all they would do in this case. After this I XXXX  the phone number of the gentleman with the puppy and there are 1000s of complaints about this animal scam and nothing has been done to stop this.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check for over $ XXXX into my Wells Fargo business checking account. I usually receive funds the following business day. I was notified that I had too many overdraft on my account ( verified that I have had XXXX in the last 12 months ). They are now refusing to give me access to my funds for 15 days!!! This is criminal and completely unacceptable to steal over $ XXXX because I was overdrawn by {$100.00} ( {$35.00} of that was a fee ) XXXX time in the last 12 months. 

When I asked a branch manager they said they have been giving me access to my funds the following business day " as a courtesy '' for the last 75+ deposits and that something must have happened to auto trigger this response that they could not identify. 

They said it is very difficult to undo this one the " algorithm '' has triggered the account and that even in a best case scenario it will take over a week to resolve. This is pathetic and evil to steal $ XXXX from me for over two weeks.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MI)

Department of Education and all 3 credit bureaus along with Nelnet continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (MO)

XXXX reported on XX/XX/21 that i have a collection account reported from XXXX XXXX, GA in the amount of {$1400.00} which not belongs to me and i never got any communication with this collection company ever until i seen in my Credit Report. 
This collection co. violated the federal law as consumer should notified before reporting to credit bureaus.
Consumer complaint received 2022-01-14
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: LEXISNEXIS (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX   XXXX  {$74.00} 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXX XXXX  XXXX {$26000.00}
Consumer complaint received 2021-11-16
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. (TX)

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage with XXXX XXXX  but it is serviced by Mr Cooper. My mortgage payments are sent to Mr. Cooper. I received a " Late Notice '' dated XX/XX/2022 saying that we were in default for the month of XX/XX/2022. I called Mr. Cooper on XX/XX/2022 and spoke to a lady named XXXX, who looked up my account and said that they had not received the payment. I called Mr.Cooper again on XX/XX/2022 and spoke with a MrXXXX  who was presented to me as a supervisor. Mr XXXX said that the payment was posted XX/XX/2022. He told me that Mr. Cooper received the payment on XX/XX/2022 and my payment was posted to my account back to XX/XX/2022. There are two problems with Mr. XXXX position ( 1 ) I make my mortgage payments through a company called XXXX. XXXX, whom I called and explained the situation sent me and email showing that XXXX sent the check on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. Mr. Cooper has maintained the reason for the delay was because of the Post Office delay in delivering the mail. ( 2 ) This is the second time this has happen. The same thing happen with the XX/XX/2022 payment.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I purchased a money order of {$480.00} on XX/XX/2020 to send it to XXXX to pay my loan that I took from my life insurance. I sent the money order to XXXX and they returned it back on XX/XX/2020 stating that part of their policy was not taking any money orders over the amount of {$250.00}. They said it had to either be a bank check or another payment method that's not a money order. I immediately called MoneyGram customer service to explain the situation and they advised me to take it to my bank or to the address of purchase which is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I took it to XXXX XXXX  and they refused to let me deposit and told me to contact MoneyGram. I took it to the original address of purchase and they also refused to cash it. I called MoneyGram again and they told me to take it to XXXX XXXX XXXX XXXX XXXX, NY. They also stated that if there was an issue to contact them. The location gave me a form to fill out and send to MoneyGram. They told me there was a processing fee of {$18.00} which I was unaware about. I called MoneyGram again and they told me to mail it back and if I don't pay the {$18.00} processing fee it would be deducted from the {$480.00}. They also told me to write on the back of the money order " Not used for purpose intended ". I sent it to them on XX/XX/2020 by First Class Mail. I called them on XXXX and customer service told me it wasn't processed yet and the quickest way was to do it online. She walked me through the online application on XX/XX/2020. Since then I have been calling MoneyGram because I need to pay my overdue bill and they are not helping me. I have been on calls where workers told me to wait and have hung up on me. I need this money quickly to pay my bill. I now have late fees due to this incident and there is no way to pay my bills. On XX/XX/2020 it still says that my replacement request is submitted.