davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, /XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following inquiries were also opened under my social security number fraudulently. 

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 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CO)

I mistakenly set up automatic payments through my XXXX XXXX XXXX checking account to pay a Barclays Frontier Airlines credit card while the card had a XXXX balance. This went on for a few months without me realizing. The over-paid amount that is owed back to me is {$9900.00}. 

I first contacted them in XXXX of XXXX. They told me two checks had been sent out ; one for {$5900.00} and one for {$4000.00}. I never received them, so they sent it to be investigated by another department in Barclays. They said give it up to 30 days for the issue to be resolved. 

Thirty days went by and still nothing. I have called several times in XXXX, XXXX, and now XXXX, and every time I get a vague reply saying it's still processing or it's in the mail or just give it 7-10 days, etc. On XX/XX/XXXX they sent me an email of a picture of the check for {$4000.00} as proof that they sent it back on XX/XX/XXXX. Then I spoke to someone on XX/XX/XXXX saying it's still processing. 

What I do know, is they are jerking me around and no one really knows what is going on with my money. Is there something you can do for me? 


Thanks.
Consumer complaint received 2022-07-28
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. (FL)

PROOF OF CLAIM : Pursuant to The Federal Tort Claims Act, I am stating my proof of claim. I have been wrongfully injured due to the, negligent or wrongful acts and omissions of the agents of XXXX XXXX XXXX XXXX XXXX. SUCH AS EMOTIONAL DISTRESS, DEFAMATION, WILLFUL AND ILLICT FRAUD, PROPERTY LOSS AND DAMAGE CAUSED BY SUCH ACTS MENTIONED. I HAVE DISPUTED THIS CLAIM THROUH EQUIfax as they have removed the Duplicate account XXXX XXXX XXXX has furnished and under false pretenses according to 15 US CODE 1681 ( Q ), 15 USC 6809 ( 4 ) ,15 US CODE 6803,28 U.S.C. 2671-2680, 15 US CODE 1602 ( F )
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (AL)

To date I have contacted Standard Mortgage with this issue via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have called every day for the past two weeks and left 3 messages with XXXX XXXX. I have spoken with XXXX XXXX twice and XXXX XXXX. I was in touch with someone in the escrow department who put me on hold since I was in previous contact with XXXX, and was disconnected. Called back and left a message immediately after, with no return. I understand there is large call volume and a lot of changes with Covid 19, but this issue was taking place before everything started to shut down. 
Payments XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Im informed that my total debt was XXXX. I mailed XXXX XXXX which was not applied correctly, addressed and not fixed until XX/XX/XXXX. And not totally sure it's even fixed. 
My debt should not be a total of the 3 payments. The initial payment is SAVED in my escrow account all year and simply dispersed. The other two, totaling XXXX and the XXXX refund brings a negative escrow of XXXX. 
I was told my new payment until XXXX is XXXX on XX/XX/XXXX totaling in apx XXXX of shortage over the 7 months that my payment will be that amount. Where does that number come from? .... 
Made a normal XXXX payment that was not applied to my loan. Told I needed to send XXXX to complete the payment. I did, but it was not applied. My XXXX payment of XXXX was not applied either. None of my " payments '' since XXXX have been applied to principle or interest. 
I am in the process of selling this house. I was approved for a loan on another house that was contingent on the sale of mine and my payment on my credit depicts XXXX so after that was found over a week later i was declined. Wasted hit on my credit!!!!! 
AND I have been receiving collection calls! 
My credit has dropped 95 points. Sent certified mail. Contacted supervisor again today with no contact back, which is XXXX. The one who has not responded to multiple emails, messages and calls. Absolutely unacceptable. Covid is not an excuse.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

I have had a Carnival Mastercard ... XXXX with Barclays for a number of years. I pay my bill automatically on the due date in full. For the last couple of months I have seen Purchase Interest Charges and Minimum Charges Fee assessed to my account for no reason. I have filed a Complaint with the company and they are refunding those but it keeps happening. I don't normally watch my card so I am concerned that the Company keeps assessing these charges and I have paid some inadvertently in the past that have not been refunded. This appears to be a pattern and not a one time mistake. I also have a charge of {$1.00} from Carnival Cruise which makes no sense as I have made the required payment. Please look into Barclay 's practices as this seems to be an ongoing issue and it most likely affects thousands of consumers that have no idea of what is going on. Thank you.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (MD)

My mortgage is with XXXX. My payments were being made by Equity Accelerator Program paying early each month. XXXX was the provider of EAP to XXXX. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that XXXX said I was bankrupt and to terminate the processes. XXXX did and did not pay XXXX any longer. I have received no communication from anyone on this. I was going to open a checking account at XXXX today and noticed that my mortgage had not been paid. I called and they said that XXXX  will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX  so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX  was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX   doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from XXXX as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX  did not use a human review process to read, only accept checked fields of bad records.
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My Loans are currently with Mohela. I contacted Mohela to discuss the best options for my loans. I have loans from previous education that are already on the XXXX program. I have recently finished my XXXX and had questions about those loans. I contacted them on XX/XX/XXXX and asked about the XXXX waiver and was advised that that would not apply to my loans. I was then told that I could consolidate my new loans with my old loan but that I had until XX/XX/XXXX. I was never advised that doing so would merge the loans and apply the previous payments to all of the loans. I then asked about the XXXX  XXXX XXXX forgiveness and was advised that they didn't handle that. I contacted the XXXX loan forgiveness and they explained to me that they work with my loan provider to make payments towards the loans. So on XX/XX/XXXX I called back and was advised that my wait time would be XXXX mins and I was unable to wait on the call. I called back again on XX/XX/XXXX and was on hold for 22 minutes and was unable to reach anyone before I had to hang up. I called back on XX/XX/XXXX and spoke to someone who advised me that had i consolidated that waiver would have benefitted my loans but was now too late to apply. I waited 2 hours to speak with a supervisor and then had to hang up. I called back and again waited 2 more hours before i spoke with a supervisor. The supervisor agreed that in the call on XX/XX/XXXX consolidation was mentioned but that at no point was I advised that the waiver would be of benefit my loans despite me specifically stating that I wanted advise. The Mohela supervisor has denied responsibility for me not appropriately being advised in relation to how the XXXX waiver would have benefited me. The supervisor stated that the phone call was recorded in XX/XX/XXXX but had refused to allow me to listen or provide a transcript of that call. She has stated that she is refusing to submit a request for late consideration or offering a way to reconcile the situation. Can you please review Mohela 's mishandling of the situation which resulted in me not benefiting from the XXXX waiver despite my inquiries.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I purchased a condo here in XXXX just over a year ago and have been making monthly payments for the last year. 
a few months ago I started receiving email messages that THE INSURANCE ON THE CONDO HAD LAPST. I contacted the XXXX  insurance company and they looked it up and said my insurance is current. Mortgage company said they would be putting FORCED COVERAGE ON CONDO IF I DIDNOT SHOW PROOF OF INSURANCE ) I continued to receive notices and when I called the computer generated message it said my insurance had expired last XXXX ( I only bought the condo about XXXX XXXX. I called XXXX insurance back and they continued to show insurance was current. I had XXXX FAX PROOF OF INSURANCE TO THEM. 
I continued getting notices on expired insurance and finally got a real human to answer the phone and they said EXPIRED INSURANCE WAS FOR LAST YEAR! 
I was able to get ahold of XXXX again and they FAXED PROOF OF INSURANCE FOR LAST YEAR. 
On XXXX I faxed the letter from XXXX XXXX of XXXX XXXX XXXX XXXX ) showing I always had insurance since I bought the condo. 
On XXXX I received my statement from LOANCARE SHOWING THEY HAD TAKEN XXXX OUT OF ESCROW TO PAY THE INSURANCE. 
LOANCARE is very bad about answering the phone and refuses to refund the {$870.00} money taken out of escrow. 
thank you
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

I paid off a Coinbase loan in the amount of {$4900.00} on XX/XX/2022 Coinbase debited my account for XXXX that amount in XXXX different transactions of {$4900.00} for a total of {$24000.00} I disputed XXXX of these transactions with my bank on XX/XX/2022 in the amount of {$19000.00} Coinbase is now saying that I owe them {$19000.00} and will confiscate my funds if not paid within 5 days. 
This is a very serious issue as I am XXXX, have recently had XXXX XXXX and am in desperate need of those funds. This might not sound real, however, I can assure you that I really need some help. 
My escalated ticket # with coinbase is XXXX
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-08-11
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)

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, equifax and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Loan Science, LLC (MD)

This initially began in XX/XX/2011until now, when I decided to investigate this loan company. The following is the claim that will be made in court against Loan Science, a company that claims they own some of my loans : 1 ) Plaintiff has made prior payments to Loan Science without investigating the validation of debt with this company until now. 
2 ) Plaintiff did not make a loan with Loan Science and no has no documentation with a signature and notarization approving Loan Science as an owner of alleged debt.

3 ) Plaintiff has asked the Defendant, Loan Science, for  verification of debt, but has been unsuccessful in gaining proper documentation to prove its ownership. 
4 ) Additionally it was requested that if the account has been sold to another creditor, then that creditor must prove that it has the right to collect the debt or state why the document can not be provided. If these loans were sold, the physical documents of the loans should be notarized and signed each time the loan was sold to prove ownership. Currently these loans show a company called XXXX XXXX as an affiliate owner, which has no address, phone number, and unknown active business status.

5 ) The documentation that has been provided to Plaintiff shows various companies that have bought and sold various securitizations of loans and companies that no longer exist, yet still holds alleged promissory notes.

6 ) There were exhibits that were omitted from the documents that were sent.

7 ) Requested but never received all the necessary information from Loan Science in an attempt to resolve this issue outside of court. 
8 ) Total current amount of debt Loan Science is seeking from Plaintiff is {$26000.00} 9 ) Monthly payments being paid to Loan Science is {$140.00} until paid off.

10 ) A complaint has been filled with Federal Trade Commission Online Portal. Reference number is XXXX.
Consumer complaint received 2022-12-28
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. (WI)

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # 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  {$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MN)

I was sent an email stating that I was pre qualified for a business loan, I only needed {$1200.00}. I submitted tha pplication and it was approved, I do not recall seeing the APR, because if I had I would not have agreed. The APR is 664.68 %, I should have this loan paid off with the amount of payments I have made. I dont know if it makes a difference but I am also a member of the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.