davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

In late XX/XX/2015 till the end of XX/XX/2015, Ive had a mortgage with Wells Fargo Home Mortgage, during the months of XXXX and XX/XX/2015, I went through a re finance with XXXX XXXX XXXX XXXX, my original monthly payments with Wells Fargo Home Mortgage were {$2700.00}. 
I have made payments to both Wells Fargo and to XXXX XXXX XXXX, even though the loan was taken over by XXXX XXXX XXXX, Wells Fargo decided to give me a thirty days late payment on my XXXX credit report, even though I had made payments and the loan was paid in full by XXXX XXXX XXXX The payments were due on the XXXX of each month, XXXX XXXX XXXX took over the loan on XX/XX/2015 2015
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Loan Care, LLC (MA)

Student Loan Care ( SLC )  called me in    mid- XX/XX/XXXX , multiple t imes, each time presenting themselves fraudulently ( without me initially knowing ) as a " federal loan servicer. '' Whereas, most other companies were " servicers of federal loans, '' and they explained that I would " not have to pay anything '' - but they only told a half-truth in that they meant " not have to pay anything toward my loan. '' In reality, they were not a federal loan servicer, nor a loan service whatsoever, they are a consolidation sc am artist com pany that preys on college students to enter agreements which they do not fully understand. The entire conversation that I had with the  SLC representative did not o nce indicate that I would be charged a monthly fee for their consolidation services nor that I would be paying them anything at all. So, I reporte d them on  XX/XX/XXXX  to the   Consumer Financial Protection Bureau. Lo-and-behold, a new company ( who I was also unaware of ) named    XXXX   XXXX   XXXX   res ponded, declared I was a liar, but then agreed to close the case and return my money.  <P/> Now, here we are ,   XX/XX/XXXX  an d I r eceived a phone call from   Student Loan Care asking about my account and what happened. They wanted to k now   if I was still " using their services '' and if I planned to continue using them. I politely explained to the representative that I believed their company and their loan comp any (   XXXX   XXXX   XXXX   ) wer e very manipulative and scammed me into accepting their services - which I would not have taken otherwise. That 's the main point of contention : Had I been clearly informed on the telephone about the services  Student Loan Care/    XXXX   XXXX   were offering ( to consolidate my debt, put my loan in deferment, and then reapply me each year ) I would NOT have taken them. Instead, I was coerced through manipulative half-truth type of language into accepting their consolidation services in the understanding that they were a " federal loan servicer. '' Today, the representative presented me  two options  : " Pay 40 % of the total debt that w ould be accrued this year '' ( which would be {$560.00} ) or they would send it off to collections agency and make me pay the full amount of {$1400.00}. I, due to my belief that this was a very manipulative, coercive, and shady deal, one that was not detailed or clarified appropriately in initial   communication via telephone, feel not responsible to make any payment toward  Student Loan Care,   XXXX   XXXX  , or otherw ise.  <P/> Attached is the initial company response from    XXXX   XXXX   XXXX  .
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX   XXXX   XXXX   SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI  E  ITEM FROM MY REPORT, THAT NEVER  SHOUL DHAVE  BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE  WIOTH  THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

I called Calliber customer care department XXXX and spoke with XXXX. To my surprise, he said that XXXX XXXX 's modification was denied for missing documents. He also said they had not received documents since XXXX, which is untrue. 
The servicer has a complete modification package. I spoke to a rep on XXXX and they requested a Profit and Loss as the last piece of documentation needed to reach a decision. Yet XXXX stated on XXXX the document was never received which was sent via email on XXXX
Consumer complaint received 2020-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (CA)

Starting in XX/XX/2020 I have attempted to contact the U.S Department of Education, the loan servicer, dispute resolutions group, and various other entities that I have been referred to without success. I have been continually advised to contact various different entities within the U.S Dept. of Educations system creating an endless loop of calls resulting in hours upon hours of wasted time without any resolution. I have requested the necessary forms to file a dispute which have been outright denied in several instances, and when I finally spoke with someone who agreed to send out the forms I never received anything. On XX/XX/2020 XXXX I was advise that per federal legislation my tax offset would be refunded to me within approximately 6-8 weeks. On XX/XX/2020 at XXXX I contacted the U.S Department of Education to check the status of the refund as I had not received it nor did I receive any communication at all with regard to the complaint I filed regarding this issue on XX/XX/2020. Not only was I advised that the case associated with my complaint was closed without my knowledge I was told that there was no information regarding the refund and was again told to call the dispute resolution group. The tactics used by both the U.S Department of Education and its affiliate creditors are an obvious ploy to not disclose pertinent information to the borrower per federal law. To date I have received no information regarding the erroneous " fees and costs '' assessed to my loan totaling more than $ XXXX in one year alone in addition to the interest. The source of these fees has never been disclosed and is NOT attributed to and penalties or late fees as their very own statements show that no penalties and late charged have been added due to the over $ XXXX in payments they have admitted to receiving in XXXX alone. My requests for hearing have gone unanswered despite numerous calls, faxes, and letters requesting administrative intercession and mediation.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Weve had the most horrific experience anybody could ever imagine.  Im XXXX years old, my mother is XXXX, and my father is XXXX. On average ... we put {$100.00} - {$200.00} every week for 8 Years into our COINBASE Bitcoin account .... Then one recent evening in the middle of the night .... {$110000.00} worth of Bitcoin was hacked in minutes out of our Coinbase account!!! COINBASE has tens of Billions of dollars & their XXXX-year-old billionaire CEO XXXX XXXX ... basically all laughed about it & said Yes we have a great secure website, yes we have billions of dollars, yes we are the Custodian of your account, ... but guess what? 
Sorry about your luck ... .Due to all the small print about Bitcoin in  Coinbase , we have Zero liability & sorry ... we cant help you REALLY????? Imagine waking up and all of your money is gone at your bank or your stockbroker and they told you sorry about your luck, youre not covered and were not gon na do anything about it Well, My mom had a XXXX XXXX, I had a XXXX XXXX, + the XXXX XXXX event caused XXXX & my XXXX XXXX XXXX and will never grow back to where it was. Im trying my best to find a bulldog pitbull type Attorney as this case is approx {$200000.00}!! I drop in the bucket to them and they wont even respond to us 3 Senior Citizens. It was 90 % of ALL of our money!! They sign up millions of people a day around the world and take their money to invest in Bitcoin & other cryptocurrency ... yet nobody knows theres ZERO coverage & liability by COINBASE!!! ITS ABSOLUTELY CRAZZZY that this could be legal!!! They gave me some silly Im sorry excuse that theres a new thing called Coinbase Pro & its hard to hack Bitcoin from there ... but Ive been in for 8 years and I wouldnt have known anything about it since its a rather new thing ( Coinbase Pro ) Our response was ... why dont you have a department protecting people with big money in their account that doesnt know anything about COINBASE Pro??? The security employee said ... .thats a great question. I also then asked, How can somebody withdraw {$100000.00} and no bells or whistles go off??? regardless its a hack or whatever it is? He then said .... Thats another great question REALLY???? 
This is mind-boggling & beyond anyones imagination that Coinbase can simply say Sorry we cant help you & your money is gone forever & we have no liability as your Custodian & account Administrator Someone please please help us file a MAJOR LAWSUIT against these Billionaire Monsters!!!! PLEASE!! We cant even sleep or eat properly. This is torture & we were left in the complete dark by COINBASE & they have committed FINANCIAL NEGLIGENCE & FAILED TO SECURE OUR MONEY!! Its all we had & they have Billions $ $!!! And they can laugh at us & say Sorry?? TELL ME ITS NOT POSSIBLE!!! We pray for serious help 24-7. My XXXX & XXXX year old parents cant live much longer with this stress. If one of them dies .... this will get super ugly. 

Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX ( my cell # )
Consumer complaint received 2020-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

On XX/XX/XXXX, a letter was sent to me to advise that eff XX/XX/XXXX, TCF National Bank and Chemical Bank were merging, my line of credit account would be given a new loan number, and there would be a different way to submit payment online. I followed the instructions and set up a new user profile and once logged in, found I had no information regarding my account. No payment due date, amount due, or balance information is present anywhere on their website. I can submit a payment, but am weary about sending money through this new site when I can't confirm if it's even going to my account. The only contact information provided is a phone number, XXXX. I have called this number every day since XX/XX/XXXX and have yet to get through to a live person. I usually spend an hour on hold before giving up, today I'm at XXXX and said enough is enough, time to file a complaint. How a legitimate financial institution can not provide simple information like payment due and due date, and the outstanding balance is beyond me. And then to not provide a means to speak to someone about their account is inexcusable.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

First letter was s ent  XXXX 2017 Thi s letter is regarding account #  XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you.    I received a letter back  on   XXXX  2017 stating that they  have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from.   I followed up with a second letter  on  XXXX 2017 re questing for proof. I then received a letter back from them   XXXX 2017 s aying they are not willing to corporate.   The company 's name and address Resurgent Capital Services,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ,  SC  XXXX  Thank you,  XXXX   XXXX
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

They are reporting a score of XXXX to the lender XXXX XXXX This is not even close ... 
they want me to pay a fee to get my score. This is bogus ... if they are reporting it then when I ask for proof I am not paying! This is my lively hood. Every monitoring app I have shows my score to be bewteen XXXX so I want them to justify this!!! With the score attached with my report
Consumer complaint received 2020-05-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name
Consumer complaint received 2020-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Called TransUnion, spoke with a dispute specialist regarding unauthorized inquiries on my credit report. She was unwilling to open a dispute & remove these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-27
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: FIRST PORTFOLIO SERVICING INC (TX)

There is charge off account from first Associates that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Simple Cash Loans, Inc., (CA)

1. Title loan on vehicle {$6000.00} original amount 2. Annual Percentage Rate : 101.9813 % 3. Total Payments : {$19000.00} 4. XXXX XXXX XXXX refused to provide payment coupons 5. XXXX XXXX XXXX refused to provide a ten day payoff statement 6. XXXX XXXX XXXX refused to provide an EIN number 7. XXXX XXXX XXXX refused to provide original contract provided a copy with forged computerized signature 8. XXXX XXXX XXXX required participation in mandatory 3rd party marketing program 9. XXXX XXXX XXXX installed a tracking device on the vehicle with {$1000.00} fee if not removed within 72 hours of satisfaction of lien
Consumer complaint received 2020-08-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NV)

The Professional Bureau of Collections of Maryland is abusive in their tactics of making sure I can never sign up for the debt forgiveness program. 

I believe they are blocking me from getting into the program currently available to rehablilitate my debt without having to make payments. This is a limited time program due to COVID and they are blocking me from being able to participate. 

I have completed all the documents according to what was requested, however, they refuse to submit these in good faith. They always come back and say I have to do something else or they lose my documents. 

This has been going on since XX/XX/2019. I call them every week and speak to different reps and managers and I am still not anywhere close to getting out of default. 

Please help me!!
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with Experian who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was  XXXX !!!!
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors and said that the debt does not belong to me. It has resulted in me a loss of credit rating and it is very important to me to have a good and positive remark on my report.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (MO)

I sent a letter on XX/XX/XXXX, to remove the listed items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX  Balance : {$300.00}, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-08-27
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: CITIBANK, N.A. (AZ)

Citibank not pay the merchant. 
I would like to see the responses made by the merchant. 
I would like to be informed why Citibank decided in favor of the merchant Citibank resolved the issue two days after I filed a complaint on the site. Prior to that, it claimed that the issue was still being reviewed and two days later, all of a sudden, they resolved it in favor of the merchant. I had been attempting to get them on the phone but each time, i was disconnected. I sent messages and got no response. When I looked on the site for messages, there was none. But at the top left corner of the billing statement, there was a message saying that the issue is still being reviewed. I sent them a big packet of documents and photos of the issues I had referenced to. I doubt they even looked at it. I feel that the decision is unfair and I would like the dispute reopened. The bank did not inform me of the merchant 's response nor did they even acknowledge that they received the documents I sent. 

To me, the money involved is a lot of money.