davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (NC)

Mariner Finance has reported to credit bureau that I owe a debt in the amount of {$2200.00} on an old account. However, I have never signed a contract, applied for or had any type of loans with the company Mariner. 
Previously I attempted to resolve this inaccurate and misrepresentation of my financial obligation with no success. XXXX XXXX XXXX has not been able to provide legal documentation holding me accountable for the debt reporting to my credit file. This false representation has put a burden on my credit worthiness and I am demanding that it be removed as it violates my consumer rights.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank  account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.
Consumer complaint received 2018-06-19
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)

On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

On XX/XX/18 I received a letter dated XX/XX/18 detailing that WITHOUT my consent Equifax placed a fraud alert on both my credit report & email address, also forwarded unauthorized alert to both XXXX  & XXXX. Several phone calls later Equifax claims to " begin processing '' alert removal, but refused to forward removal attempts to the two other bureaus, both refusing to personally remove alerts. 
This demonstrates a willful mishandling of consumer personal information as each bureau now requires " special handling '' because they refuse to ask identifying questions to remove alerts. An audit of Equifax is required as this highlights their history of data breach & failure to accurately organize & safeguard consumer data.
Consumer complaint received 2020-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XX/XX/XXXX, I submitted a request for review of 12 payments that have been marked " ineligible '' and not counted towards my Public Service Loan Forgiveness program. However, the twelve ( 12 ) payments are eligible and I made the payments, but Fed Loan Servicing has continued to tell me that the payments are " under review '' for OVER A YEAR now. 
These payments were paid by myself, the borrower, toXX/XX/XXXXwhich is no longer in existance, so the records are with the Department of Education, and are from the following dates : XXXX through XXXX of XXXX ( 9 payments ), XXXX and XXXX of XXXX ( 2 payments ). One last payment from XX/XX/XXXX ( 1 payment ) was serviced and received by Fed Loan Servicing but they have not confirmed that because they explained they have to do " all of the payment reviews together. '' I should already be eligible to receive my public service loan forgiveness with these 12 eligible payments that they are not giving me credit for, nor even given an answer in OVER A YEAR. 
I am paying on a loan program that should have been forgiven by now, and I would like at least an answer instead of they are " still under review. '' I have called and spoken to several agents over the course of this year, and today I spoke with three separate agents, having to explain the situation each time. While they were courteous, they told me they could not help me and didn't have any further information. Nor am I able to actually speak with or contact the department of Fed Loan Servicing that is actually doing the " investigation '' and " review '' of my 12 payments that are under review.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.
Consumer complaint received 2018-03-06
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. (OH)

SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX  XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MO)

Due to my partner and I getting jobs in a new state, I was forced to terminate my lease at XXXX XXXX Apartments in XXXX, TX. XXXX XXXX is owned by XXXX XXXX. I vacated the property and turned in my keys on Sunday, XX/XX/2022. I received a bill for {$9600.00} in accelerated rent on Wednesday, XX/XX/2022. Per the terms of the lease, I had 30 days to pay the debt. 

On XX/XX/2022, I received a message from Hunter Warfield notifying me that XXXX XXXX had sent my debt to collections and I have been notified that my balance due is now {$9700.00}. However, it has neither been 30 days since I vacated the property nor since I received the final invoice. To my knowledge, it is not legal to send a debt to collections before 30 days. 

Furthermore, the debt that XXXX XXXX sent to collections was already under dispute. I have filed a XXXX XXXX XXXX complaint against XXXX XXXX, to which they have never responded. Consequently, I have begun working with an attorney in order to resolve XXXX XXXX failure to uphold their responsibilities according to the terms of the lease.
Consumer complaint received 2018-03-06
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: LEXISNEXIS (OH)

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX OLD XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XX/XX/2018, XXXX and XXXX are reporting YET Equifax is not reporting stating they couldn't verify identity even though they received a faxed copy of State Issued IDs. I am attempting to refinance and the loan officer needs 3 bureaus. Customer service was very hard to understand and very rude asking impossible to remember questions. When asked to tell me their name they made up a name. When asked to transfer to a supervisor, after a 20 minute hold ... .he was not willing to help in any way either. Time is of the essence and Equifax is unwilling to help get my credit report. I need an advocate!! Please help.
Consumer complaint received 2023-05-22
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

XXXX XXXX XXXX  XXXX ( XXXX XXXX VETERAN, XXXX XXXX XXXX. ) XXXX ACCOUNT # : XXXX PREVIOUSLY AWARDED DISCHARGE ; CORPORATION CATOGARIZED AS TRANSFER AND ASSUMED LOAN ; 1996 CASE INVOLVING SAME TRANSACTION RESULTED IN SEVERAL PERSONS VEING CONVICTED AND SENTENCED -- -- XXXX XXXX XXXX XXXX XXXX XXXX INSIDE PRISON -- CASE NOT PENDING; SAME TRANSACTION SAME PERSONS ADJUDICATED. 

XXXX APPLICATION SUBMITTED TO XXXX XXXX, XXXX, DEPARTMENT OF EDUCATION XXXX ACCOUNT # XXXX ... 

Criminal possession/redemption of land deed and plattt ; not excluding US AND FOREIGN CURRENCIES WHICH RESULTED IN FALSE FINANCIAL AND CORPORATE SECURITIES.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (OK)

i have credit card applications from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and not sure how many more on my credit report that are not mine
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2018 I went into a payment arrangement with Citi Cards on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

Chase erroneously charged me interest on my credit card for over a year even though I pay my bill in full each month. When I brought this to their attention, they agreed the charges were incorrect and would credit them. Chases crediting does not seem to include all of the erroneous interest changes. Additionally, since they changed me an additional $ XXXX that I timely paid to them, I should receive interest on the funds that they held of mine.
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY (RI)

My Wells Fargo Auto loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALCHRO INC. (FL)

XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

First Fed Credit & Col {$75.00} : XXXX  was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I opened an online account with Citi Bank on XX/XX/2020, with an initial deposit of {$250000.00}. They posted it the same day. When I checked my funding account at CITBank on XX/XX/2020, I saw they had withdrawn this amount twice. I complained and got {$250000.00}. refunded the next day. I deposited another total of {$110000.00} the last 3 days.To my surprise, my today 's balance is just {$110000.00} and not {$360000.00} as it should be. I called Citi Bank and they told me, they didn't see the double payment on their system, just the refund. At my CITBank account, it clearly shows two debits of {$250000.00} going to Citi Bank and one credit of {$250000.00} coming from Citi Bank. So I chatted with several persons on the Citi Bank website. Unfortunately, I only wrote one person 's name down, XXXX. Nobody could help me because they said, they can not see a double deposit on XX/XX/XXXX on their side, just a withdrawal on and they also never requested this amount twice. After talking to CITBank, they confirmed, they got two requests to transfer {$250000.00}. I also have that in writing from them, see attachment. Calling Citi Bank is a nightmare. They are asking me for a debit card # and the security code -- since this is a new account, I only received the last 4 digits of the ATM card, but no security word. After about 5 min. they transfer me -- to the wrong person. So, I'm getting transferred again and can wait, wait, wwait until I get another person who can't help me either. Finally I'm ending up with a supervisor, XXXX, who can't help either and he refers me to CITBank. I call them, they just hang up on me. So I wrote them an online message. On previous response they told me to call, but the phone people just hang up on me. Let 's see what will happen now. Going back to Citi Bank with new information, go through that number disaster again, the wrong person transfers me again, I can't get XXXX, as he promised, but have to wait, wait, wait again until I'm getting a message " don't wait for a supervisor more than 2 min., get a department head. '' They don't transfer, so I'm calling again with all that number requests and then wait and wait and wait ... getting the wrong person again, getting transferred.. and wait and wait and wait. PLEASE HELP! I'm still out of {$250000.00}!!! Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried numerous times to have Transunion and XXXX correct my record as it deals with XXXX XXXX. XXXX has reported various differing amounts in collections on my report. I contested these amounts and the existence of any such account. 
I have caused Transunion to show a XXXX Balance now, but, they still show the account as open, it's closed. Furthermore, I sent them a copy of the only invoice I ever got, which I got after it was posted to collection on my account. If they would have looked closer they would have seen not only the XXXX balance due, but the date that the item shows, it should have never reached collection status on my record. 
XXXX has the same XXXX Balance statement and should have corrected my record they hold as a closed XXXX balance or removed it based on the date shown paid on the invoice and removed the entire item as well.
Consumer complaint received 2018-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXXXX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017