davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My current spousal consolidation loan was established after congress stopped offering spousal consolidation loans : XX/XX/2006. I am providing copies of executed documents for your review. I was able to locate several of my documents as STUDENT AID.GOV did not have any saved which I found to be very interesting. Please review all documents attached. This loan could be considered fraud after it was set up after XX/XX/XXXX1. I did not give permission until XX/XX/2006, when the application was signed. It is not from transmission until I acknowledge by signing the signature line of the Application Master Promissory Note. 

Timeline of the loan history : XX/XX/06 XXXX  XXXX  sent a summary sheet of loans that were eligible for consolidation and a letter about how to read a summary sheet discussing what a consolidation loan is and what replay payment plans are offered for review. They asked us to review to ensure these were the loans we wanted to consolidate. As of XX/XX/06 we had not signed any documents for a consolidation loan. 

XX/XX/06 XXXX - FFELP application and promissory note were signed on XX/XX/06. This date was after congress stopped offering spousal consolidation loans. 

XXXX XXXX  XXXX  sent a disclosure of payment amount letter stating the loan is being set up with graduated repayment plan to include loan details with interest rate information. 

XXXX XXXX XXXX sent letter for consolidation disbursement made with loan details and summary of Direct Consolidation Loans. The disbursements was consolidated on XX/XX/06 ( THE MASTER APPLICATION AND PROMISSORY NOTE WAS NOT SIGNED UNTIL XX/XX/2006 YET XXXX  XXXX  DISBURSED THE {$77000.00} ON XX/XX/2006. AGAIN THIS EVIDENCE SHOWS THIS LOAN SHOULD NOT HAVE TAKEN PLACE ) XX/XX/2006 - XXXX XXXX XXXX sent letter stating they received the appropriate loan payment information from my current lender. This means application is in the final stages of processing and is ready to fund with XXXX ... .. keep in mind it states " application '' is in final stages. I SIGNED THE MASTER APPLICATION PROMISSORY NOTE ON XX/XX/2006 GIVING PERMISSION TO MOVE FORWARD WITH DOING A SPOUSAL CONSOLIDATION LOAN. DID NOT GIVE PERMISSION TO DO THIS BEFORE. THIS IS THE LEGAL BINDING CONTRACT THAT SEALS THE DEAL XXXX XXXX  sent account statement letter with all loans detail breakdown : original loan amount, interest rate, first payment due date and actual/separation date of * I MADE PAYMENTS TO XXXX XXXX  BEFORE THE SPOUSAL CONSOLIDATION LOAN WAS ESTABLISHED.. PAYMENTS MADE WAS IN THE AMOUNT OF {$390.00} IN XXXX AND XX/XX/2006.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC (VA)

In XX/XX/2022. A loan check was sent to my parent. The parent cashed the check because she met all the criteria. In early XXXX. 2022, the finance company called me and told me that my loan was late. I told them, that I did not have a loan with them. They told yes you do. After further investigation, what I found out was they used my social security number to send a loan to my parent with the intention to commit fraud. You can't offer someone a loan using someone else 's social security number. That is fraud. I tried speaking with the representative and she was rude. She said, my parent, cased the loan and the loan is valid. What she did not say, was my parent not eligible for a loan and that they intentionally used my social security number to run that loan. 

I am a XXXX  employee and can not have a company using my social security number and listing it on my credit without my permission. The loan is being paid for by my parent, but the loan was disbursed illegally by this company with no knowledge to me or my parent.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

XX/XX/2022, I contacted XXXX XXXX about checking my credit report because I wanted to do some things. XXXX XXXX ran my credit and informed me that HSBC had reported that I was two payments behind and that I owe XXXX. I immediately contacted HSBC concerning the issue. The HSBC Representative pulled up my account and informed me that it might be due to errors. The HSBC Representative informed me to email The HSBC Research Dept about the errors. I emailed HSBC Research Dept and informed them of the errors on my credit report. I informed them that XXXX XXXX had reported that I was behind two mortgage payments and that I owe XXXX. I informed them that I was not two payments behind and the amount is incorrect. I owe way less than XXXX. HSBC never contacted me. XXXX XXXX contacted me and informed me that HSBC had made the correction. HSBC contacted me in the month of XXXX and stated that I was in default and cure letter.
Consumer complaint received 2021-11-20
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: Experian Information Solutions Inc. (FL)

I call Experian and sent certified mail. About fraudulent account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX XXXX I file a report with FTC
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I refinanced my mortgage in XXXX of XXXX. Plaza Home Mortgage became my new servicer. When I refinanced, I did so without including an escrow account. I established and funded an escrow account with XXXX XXXX Mortgage. They cashed my seed check of {$6600.00} on XX/XX/XXXX. 

My property taxes were due XX/XX/XXXX but the bill was sent to me in XXXX. Since XXXX I have been trying to get my property taxes paid from my escrow account unsuccessfully. My property taxes are now overdue by 1 month. 

I have called their support phone line many times since XXXX and spoken with numerous people who have assured me that the taxes will be paid, but they have not been paid. 

I have sent multiple emails to their customer service email address that have gone unanswered. 

Now, when I attempt to call their support phone number XXXX XXXX XXXX XXXX, I am being routed to a fax machine. 

This is entirely unacceptable. They have my escrow money, but are refusing to pay my taxes and now I can't even get anyone on the phone.
Consumer complaint received 2023-06-22
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. (KY)

I received a notice from XXXX about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXX CO XXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

The card issuer for Florida Way2Go Program stole my refund. A refund of {$270.00} was credited to my account within 5 business days according to the refund policy at XXXX XXXX XXXX On XX/XX/2021 I ordered a XXXX  or XXXX XXXX  from XXXX XXXX I later canceled that order on XX/XX/2021 and a refund of {$270.00} was credited to my Florida Way2Go card ending in XXXX. The company dba XXXX sent a message to my card issuer for Florida Way2Go Program that a refund of {$270.00} was credited to my account on XX/XX/2021 but that credit is not posted to my account. I was on the phone with Florida Way2Go debit card explaining to them that I had not received the refund within 5 business days but they were not responding, so I decided to file a consumer complaint against Florida Way2Go debit card d/b/a Conduent Corporation. Conduent Corporation asked my to send a copy of my Florida ID Card via email at XXXX with a case # XXXX. Later, my account was blocked after sending them a copy of my Florida ID Card. The persons that I talked to were very Manipulative, so I decided to file a consumer complaint against the persons who were handling my call. The number on the back of my card is XXXX and it says XXXX XXXX is the card issurer but Conduent Corporation is the persons who answers all calls at XXXX. They ask for your entire social security number and your birth date, mailing address, zip codes, etc. They ask for all your personal information which is illegal over the phone. Your not suppose to ask for a consumer social security number over the phone because that is illegal. 

Also, the company told their brothers to kill or murder me in XXXX, Florida. One time, their brother tried to stab me with a knife and was saying " you are scary bro ''.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NJ)

I have filed disputes with all three credit bureaus with getting items removed from my credit report and deleting old items that keep getting reported. I would like to have these items investigated and removed. I know I cant submit information of the accounts but I would appreciate anything that can be done. As these items are becoming detrimental to my process of purchasing a home
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my XXXX XXXX account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my Experian credit report which shows the error.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

This is a complaint against Coinbase Inc. My account is under this same email alias that I am lodging this complaint. 

My account with Coinbase and Coinbase Pro ( one account on two different trading platforms ) has been operational since XXXX. I deposited some BTC coins at the end of XX/XX/XXXX. There was a platform service degradation where I couldn't trade ( sell/buy ). When this persisted for a few days, I decided to withdraw my BTC coins back into my hardware crypto wallet. I couldn't because the account was " locked ''. I found out that Coinbase wanted me to complete the KYC process. 

I then proceeded to upload following documents : 1. Articles of incorporation for my account ( as this is under a business entity ) 2. Banking statement showing the source of funding for this Coinbase account 3. W9 form 4. Personal government identification 5. Completed submission of the following roles - " Primary Control Person 1 '' and " Authorized Representative 1 ''.

Unfortunately, when I tried to submit details for " Authorized Applicant 1 '', the KYC program " hung ''. There's a bug.

Coinbase Customer Help has not been able to help, and keep creating new support cases that do not address how to complete the KYC. In attached email, you can see that Coinbase had made " .. some modification in the portal to allow you to see KYC application to update your information and documentation. ''
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

On Thursday XX/XX/2022, I was informed by Discover Card by email, that my account was frozen. There was no other information or explanation given for the closing other than it was a business decision. I called the phone number given to me on email and I waited 2 hours for someone in security and never spoke to anyone. I called back later and was given no more information. I demanded to speak to a supervisor and was told I must wait 24 to 48 hours for a callback. It has been 24 hours and no callback. I have a company and all my funds are in that account.I was told It would take 60 days before I would have access to those funds. THIS IS UNACCEPTABLE! I have no access to that account, the statements, the transactions and no explanation as to why.

Please contact me ASAP
Consumer complaint received 2022-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/2022. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact.
Consumer complaint received 2022-07-08
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. (MO)

After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX co
Consumer complaint received 2022-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (CA)

XXXX XXXX, I had purchased a XXXX  XXXX XXXX in 2015 it didnt work I called the company and they said they would send me a new one. I received the new one and XXXX XXXX said to send the old one back .After receiving the second one that one didnt work either .So I called they said to send them both back I did .Since I have been tring to fix my credit I have seen this same charge on my credit report which is affecting me from tring to rent somewhere else. Please remove this thanks XXXX
Consumer complaint received 2022-07-03
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. (NC)

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, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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 that the information is inaccurate.
Consumer complaint received 2022-12-03
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: Tower Loan of Mississippi, Inc. (MS)

In accordance with the fair credit Reporting act XXXX Account # 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 plan as late for purpose.
Consumer complaint received 2021-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I attempted to pay a doctor bill.The bill totaled {$160.00}. I could not pay the bill because I did not have an ID? for the bill. When I could not pay on the internet I tried again and something called XXXX a medical billing co. came on my computer a indicated that XXXX would pay the bill. OK I put all the billing info into XXXX and thought it was over. 
I heard from the doctor service again and the bill had not been paid. I asked if the billing service had head from XXXX they said never heard of it and never got money from XXXX. 
So I asked Capital one bank Walmart credit card to stop payment to XXXX Capitol one Walmart credit card stopped payment. 
On XX/XX/XXXX Capital one Walmart credit card put the XXXX bill {$160.00} back on my card. I have talked to the capital One bank several tines and they won't take the XXXX bill off the credit card account. 
I simply want that XXXX charge off my cred-card. The bill has gone to collections and I want to pay the bill. XXXX is lying that XXXX talked to the doctor service. If XXXX had talked to the doctor billing service why did my doctor XXXX go to collections? And Why did the lady at the billing office say she never heard of XXXX?
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 — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I filed for BK chapter XXXX in XXXX, My credit report is showing incorrect information as " delinquency '' on accounts that are included in the Bankruptcy. 

I have Auto Loan that has been paid off and still showing as delinquent. 

I also have a Mortgage which I am paying on time and it shows as " delinquent '' I have called Experian and I was treated unfairly and after the call my credit score decrease about 40 points. 

Rebuilding my credit is getting hard due to Experian 's reporting. I don't know what else to do to fix this issue
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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.