davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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: BARCLAYS BANK DELAWARE (CA)

Purchased 3 pairs of boots/shoes from company online - it was fraudulent XXXX popup site and when they provided international tracking # I knew it was scam. The shipper wouldn't respond to emails and once item showed delivered ( XX/XX/2020 ) to my 3 inch by 12 inch mailbox I went to check - no items. But shows delivered- Junk mail? Not exactly sure what came- but never received 3 pairs of shoes!!! I called Barclay XX/XX/2020 and filed claim - they gave Case ID XXXX and opened investigation. Barclay 's called XX/XX/2020, and left me on voicemail, and I called them back 5 minutes later and spoke with a rep who asked me if I received my package, and I again stated NO - nothing received. On XX/XX/XXXX, I check my card statement and see that they ruled in the scammer 's favor saying that I didn't respond to call, and that scammer has proof of delivery (? ) how do you have proof of delivering 3 pairs of shoes ( XXXX western boots ) to a 3 '' x12 '' mailbox? The order was {$76.00}, which I get that I fell victim for 'bargain ' prices - won't ever do it again. I contacted Barclays and faxed them a letter as directed and have not heard a response back.
Consumer complaint received 2018-07-27
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: ID Analytics, Inc. (MD)

There are credit inquiries that I do not recognize. Also I feel that I should not have to send my identification to get my information that they have no rights to. My scores on the XXXX are way lower than on the 3 major credit reports.
Consumer complaint received 2022-09-03
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. (GA)

On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX end. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.
Consumer complaint received 2022-09-03
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. (MD)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.
Consumer complaint received 2020-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I applied for consolidation of my federal student loans, this was approved. After approval, I noted with XXXX XXXX that I wanted to apply ( which i previously had ) for PSLF. They informed me, after than loan was processed, that my PSLF status was " started over '' and they previous qualifying payments I had made where gone and no longer counted. I have tried twice to cancel this consolidation and was told it was to late. No one, not Fedloan Servicing or XXXX XXXX, informed me that consolidation would restart this and I would loose qualifying previous payments. 

Now XXXX XXXX is saying this is not their responsibility, and I still need to make my payments, which I am aware of. If I reapply for PSLF, my loan goes back to XXXX and thus again I loose my previous qualifying payments. 

I was never informed of how consolidation impacts those on PSLF.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Consumer complaint received 2020-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (PA)

I was not informed that I can dispute this debt, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt to a third party. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for Mortgage hardship as it has got really hard for me to make the Mortgage payment because of the Corona virus Epidemic and I applied for Mr. Cooper Hardship assistance on XX/XX/2020, since then Nationstar Mortgage DBA Mr. Cooper has paused my application three times and also asked for my HOA fee which I already mentioned in the application that I do not have. still again and again they keep on asking for my HOA fee, mine is a single family house and there is a property tax but no HOA fee. 

Mr. Cooper is asking for my Tax returns and two bank statements which I have already provided but they are pausing my application out of no reason ( Please see the screenshots attached ). Their dedicated Loan specialist " XXXX XXXX '' is also not responding, I have called her multiple time and left voicemails but to no avail. I don't know what to do I am banging my head on the wall.
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX is attempting to falsely collect an inflated amount from a Lowes Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the Lowes account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by XXXX XXXX  XXXX and Double-Jeapordy as well. 

Also, a lawyer from XXXX  attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (MI)

I am attempting to work with my mortgage company, Guild Mortgage, to defer my home loan for a few months while COVID affects our entire country. The options given to me by Guild Mortgage were to special forbear my loan, which would cause all the amounts forbeared to be due at the end of the special forbearance. I'm unsure how this is even a option, as if I can not pay my monthly mortgage at the beginning of the month then how am I supposed to come up with a sum total of those amounts at the end of forbearance period? Especially considering the vast impact of COVID, Guild should absolutely be working more with their customers to work through this situtation.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (VA)

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Hello, CFPB. I am submitting this complaint because I dont know what else to do. Well Fargo is not respecting my rights as a consumer. I tried to solve this issue with them but they did not respond my demand. 

Accounts : WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX On XX/XX/XXXX, I sent them a dispute notice, which they ignored, and did not send any debt validation, as required by the Fair Credit Reporting Act. 

I am demanding Wells Fargo to remove the RELATED TO FRAUD items from my credit report. I wans a deletion letter for my records. I have been affected psychologically because of this situation.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TN)

On XX/XX/2020 I attempted to withdraw funds from my investment account with MoneyLion. The app showed me a balance in excess of {$320.00} however it would not let me take a draw. 

I contacted MoneyLion via their contact form and was instructed to call to discuss my account. The balance available was confirmed with the agent over the phone who casually indicated that she didn't know why I couldn't take a draw and would escalate my concern. I was advised I would hear back in 2-3 business days. 

Upon their written request, I submitted screenshots of the app showing the error message provided. Meanwhile, the balance in my account has steadily declined as a result of market conditions. 

It is now XX/XX/XXXX and I do not have any further response from MoneyLion despite my repeated attempts to follow-up and my balance continues to decline through no fault of my own.
Consumer complaint received 2020-03-25
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I obtained a Loan to go to XXXX XXXX XXXX Mo, for XXXX XXXX in late XXXX. It was approx. {$10000.00}. I had a federal student loan. Later in in XX/XX/XXXX I went to XXXX XXXX College in XXXX Missouri for XXXX, obtaining my XXXX. I have placed loan on deferment from XXXX to do this. Navient bought out my loan from XXXX. I still after almost 30 years of paying loans have a balance of $ XXXX amount of dollars. I feel Navient is misusing my payments!!!! This should have been paid off along time ago. The young lady today told they take the payment and apply to interest first. I can not afford a large $ XXXX  monthly payment, I am a single mom and sole provider for my house. 
I know there are lawsuits out there due to Navient misuse of funds. Please help,,,,, how is it you can buy a car for {$30000.00} and pay off in 5-6 years but a student loan can not be paid off in 30!!!!!  PLEASE HELP
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

I had an account that I was always current on until unforeseen circumstances happened. I then kept paying even though I am on limited income due to being taken off work and ongoing debilitating medical issues of my own. My husband is XXXX XXXX   XXXX veteran and civilian and we do not need the harassment. I made the mistake of ordering family items from this account who promised to help me pay down the debt however they did not. I lost my mom and had to also assume her financial things. I continually kept the company abreast of what was going on because I had always been current. I VOLUNTARILY closed the account and continued to pay The last few months I have been having ongoing medial issues and not been able to pay my usual payment but will be resuming that as I can. I had one collection agency contacting me about this debt, then another even though when I sent payments directly to the company they still cash them-it says right on the cashed check. I want the collection companies to stop threatening me and my family, who are on limited low income of disablility, with a judgement. My credit report says that the debt was written off and the company no longer collects but they do cash the checks for the debt but they do not update my credit report of the payments to help me, just take the money, say they are going through a collection agency and not report my payments so it looks like on my credit report that I have not paid in years.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

Several months ago I contacted XXXX XXXX on an old credit card bill that was charged off so I could help increase my credit score. The  amount was under {$1500.00}. It was agreed verbally that the payoff would be decreased to {$700.00}. I was able to pay {$500.00} that day and agreed to pay the remaining {$200.00} when I could over the next several months. They agreed on a recorded line and also sent me a settlement letter. Since that time, I can not find a copy of the settlement letter they sent me as it was in my briefcase stolen from my fiance 's truck when there were break ins in our neighborhood in XXXX County ( they also stole his laptop and we have proof of all this/the thieves were apprehended ). That being said, this past week I have been receiving letters from several lawyers that a class action suit has been filed against me by XXXX XXXX - at least 5 letters came. I called XXXX XXXX 's customer service number but it only asks me to please hold and then a law firm picks up. I explained to them that I had reached a settlement agreement with XXXX  XXXX but they refused to listen, stating I owed over {$1400.00} and needed to produce the settlement letter to prove this. I told them I needed to speak to XXXX XXXX because the call was recorded and I did not have a copy of the letter, and asked if there was another number I could call. The first staffer I spoke to stated I needed to speak to XXXX XXXX directly but I told them I keep getting transfered over. He couldn't help me. The second staffer I spoke to stated the same - you owe {$1400.00} and at that point I got very upset and stated I was not hanging up until they put me in touch with XXXX  XXXX or gave me a number to call them - so she hung up on me. I feel this is fraud and they are trying to collect money that is not owed. I payed the {$500.00} and only owe {$200.00} but how can I prove this if I can't get through to XXXX XXXX? This law firm is blocking me from getting through to XXXX XXXX to get the legitimate information which is my right. They are demanding money that is not owed and this is in no way fair