davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (CA)

THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$15000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$3200.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I overpaid my mortgage ( in my deceased husbands name ) to Mr. Cooper as their quoted payoff amount remitted XX/XX/2021 did not include the previous payment made on XX/XX/2021. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would receive a refund check in the amount of {$1500.00} within 30 days. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said a check will be sent again, and should be received within one week. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me to send a voided check to XXXX to have the funds direct deposited within 48 hours ( sent same day ). The refund never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me the funds should be deposited by XX/XX/XXXX. They never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would have to prove that I am the one who was providing payments to them by sending XXXX the last 12 months worth of checks Mr Cooper processed from me ( sent same day ) and I would receive payment within 48 hours. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said the voided check they received from me was uploaded to the wrong file. She corrected it, but needed her manager ( who was in a meeting and couldnt be reached ) to approve the refund and I will receive the overpayment within 3 business days of manager approval. She was not able to tell me when or if the manager would approve her request. The obvious obfuscation and delay tactics have devolved into the dog ate my homework quality excuses with the intent of depriving me of {$1500.00} that they over billed me for. While Mr. Cooper does admit the refund is due they continually do not issue it. Please help me with this questionable business practice and attempted theft.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX is reporting incorrectly to XXXX  and Transunion that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was deployed at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 I 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 im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I opened up an new account with Coinbase on XX/XX/XXXX and followed steps correctly to receive XXXX dollars in XXXX, and I even got confirmation emails ( in the email chain attached, and sent to Coinbase but no response from them ). This support ticket was # XXXX. I also followed all steps correctly for recurring payments of min. XXXX USD and on the XXXX and XXXX recurring payment I would receive XXXX USD in XXXX each, totaling XXXX dollars in XXXX ( attached proof ) This would in total be XXXX + XXXX = XXXX dollars worth of XXXX Coinbase owes me. I attempted to email them and received generic and nonhelpful replies which seemed like no one read my responses. 

I also reached out to them on XXXX, and their support contacted me notifying they would check in on this ( but never did ). On XX/XX/2021 I received an email stating they closed the support ticket, but there was never any solution nor response ever again. I am just asking to receive my XXXX dollars worth of XXXX, as all steps were followed and I tried every way to get a resolution, and it has been around 2 months with no response or solution. 

I have also contacted and filed a complaint with the XXXX on XX/XX/2021 in hopes of getting a solution, but when I contacted XXXX as of today there is still no response from Coinbase.
Consumer complaint received 2022-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I had taken a personal loan out from LoanMe back in XXXX to cover some bills. The maturity date on the loan if not prepaid was XX/XX/XXXX. I made my last payment on XX/XX/XXXX. I then called them to verify that I was done with the loan and was told that was the last payment. 

On XX/XX/XXXX, I logged into my bank account and noticed a payment pending for {$350.00}. I contacted them and was told the extra payments were added on because of an insufficient funds payment from XX/XX/XXXX. I called my bank to verify that info and they researched my statements and the transaction history for the merchant and was told by my bank that there are no insufficient funds for that merchant showing in the XXXX  XXXX XXXX transaction history.

I have the agreement that was executed and the payment settlement sheet that clearly show a loan maturity date of XX/XX/XXXX which I paid. I called them again to try and resolve this and got a completely different story.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas Equifax, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. Equifax has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-01
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: AmeriCollect (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (SC)

On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX  in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX. 
If that was the last address used, then the last bill would logically be 8-ish years ago.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On Sunday ( XX/XX/22 ) I was eating breakfast with my family when I decided to check my online banking, I come to a surprise that I am missing {$990.00} from my savings account. After inspecting my transactions I see an unauthorized transaction for the amount of {$990.00} transferred to an external account. I started freaking out and immediately called the Jp Morgan Chase fraud Department and it turned out that they only opened Monday-Friday. The next day Monday ( XX/XX/22 ) early in the morning I call the Chase fraud department right before work and file a claim, after going through the process of filling a claim I was told that I should be credited with my money within 3-7 business days while the claim is being under investigation. On XX/XX/22 I was credited the {$990.00} as told and I felt so relieved and content. I thought this nightmare was over but noooooo, almost 2 and half weeks later on Thursday XX/XX/22 I decided to check my online banking and see that chase bank has taken my money back because they reversed the claim. I call them once again early in the morning on Friday XX/XX/22 and ask what was going on, well the Chase Bank team came to a conclusion that It was not a fraud because after checking all of my transfer history, they saw all transfers had the exact same IP address, that meant that the transfer was done from my device. I was freaking out and told them it wasnt me, I told them I didnt recognize the account number that the money was going to and that I did not authorize this. They apologized and told me there was nothing to do, I once again say it wasnt me and how I could get my money back. They gave me a fax number and told me to send prove that it wasnt me authorizing the transfer and that this was the only way the claim could be reopened and reevaluated to be able to get my money back. I felt very unprotected, furious, and scared. I felt like I was in a movie because it seemed like whoever did this, had perfectly executed this, because their not giving me my money back and the crooks are keeping it all. I then started some research and saw some articles and videos of victims going through what Im going through right now. I am seeking help to get my money back, because this is a fraud, I dont know how these crooks did this but I am sure not going to let my money disappear from one minute to another.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (VA)

During the COVID pandemic, accidentally missed a payment on my mortgage. I accidentally forgot to click on the Submit button on the day before my payment was reported as delinquent. I have never been 30 days late on this or any other account in my entire life and, unfortunately, due to the stress of COVID, I accidentally did not submit my payment. Honestly, I thought I had submitted it and I don't know what happened. The mortgage company can review their logs and they will see that I was online on their website on the day before 30-day mark hit. I am deeply affected by this financially ( interest rates ) and I would like to apply for a better mortgage because this company has been excellent. The pandemic took its toll on many lives and I hope mine can be helped.
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Bureaus. Lets correct this immediately. This Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints.
Consumer complaint received 2022-03-09
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)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1977 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cash Link USA, LLC (TX)

My friends and family are receiving repeated phone messages from a company called XXXX. The phone number being used is XXXX XXXX XXXX. Even though I have spoken with the company in regards to the debt, they continue to leave messages on my families voicemail stating that they are location services and they are looking to provide me court documents. When I asked the company for their statistics such as their company address and website I am being denied the information. They are constantly harassing my family although they never try to call me first and have spoken with me several times. I have contacted the original creditor and they state that the company my information was given to is different than the company that is harassing me. I have asked for a verification of debt letter and I am not being provided one. I have received no mail correspondence from the company.
Consumer complaint received 2021-07-01
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: Advantage Credit, Inc. (CA)

I got a copy of my XXXX Credit report and noticed a false inquiry for a alleged loan application, I did NOT do this and the company said they are only a third party agency to file with CFPB.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (TX)

During the week XXXX, Lending Club has called me 15 times. I guess they are calling me about an " alleged '' " debt ''. There is no law that actually says i have to pay any bill.

On the recorded line, the lady said that lending club was indeed a bank. According to my research, A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. According to 12 usc 1431, banks can not loan money or extend credit. Lending Club has violated my consumer rights on multiple occasions and I ask that you remove this account from my credit report. I didn't give any of the bureaus written consent to furnish a credit report on my behalf. That is also a violation of my consumer rights and federal law. Lending club is reporting an " alleged debt '' on my credit report which is a violation of 15 usc 1692b. Also, they called a phone number that's not even on the account. A number that i never personally gave to them. Which is identity theft because how did you even get that phone number.