davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MS)

Sallie Mae is refusing to grant me a forbearance on my student loan. I recently lost my job and have been pleading for assistance with obtaining a forbearance. They have threatened to report me delinquent to the credit bureaus. I have good credit and any NEGATIVE reporting will drastically affect my credit. 

Sallie Mae is blaming XXXX for having a block/freeze lock on my credit report file and this is the reason they are denying me a forbearance. 

XXXX stated there is no block/freeze on my credit report file!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX is refusing to grant me a forbearance on my student loan, because TRANSUNION has a block/lock on my credit file. 

I have tried for over a month to have this removed and/or corrected, but each time I call TRANSUNION, I am told there is no block/lock on my credit file, only to call XXXX XXXX back and be told there is!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (MD)

Good afternoon, Ive previously disputed this debt XXXX with a letter and phone call. The reporting for this debt is wrong, date opened, last active to name a few. Please see attached credit report, the notes read previously furnished however the information is still incorrect. The fair debt collection practices act had been violated on numerous occasions.
Consumer complaint received 2022-11-28
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: JPMORGAN CHASE & CO. (GA)

I filed a police report and disputed this account JPMCB card services Acct # XXXX with XXXX XXXX and XXXX. I also filed a fraud dispute with JPMCB card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Quick (SC)

THESE ACCOUNTS DO NOT BELONG TO ME THEY WHERE PUT IN MY NAME UNDER FRAUD I NEVER OPEN ACCOUNT WITH XXXX XXXX PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

I used my paypal account to purchase a sofa from XXXX XXXX on XX/XX/2022 for the amount of {$1200.00}. 

On XX/XX/XXXX, paypal was able to work with XXXX XXXX, who agreed to allow me to return the sofa, and instructed me to ship the sofa back as it had a problem with the arm rest. I shipped it back to address they requested : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as requested by XXXX XXXX. 

Upon shipping the sofa back on XXXX XXXX, 2022, I provided the tracking number. Paypal refused to issue a refund. 

In refusing to issue a refund, paypal sided with the seller, still refusing to provide the refund, stating the tracking # was invalid, although I repeatedly sent them several tracking # 's from XXXX XXXX the main trucking company and its shipper Fed XXXX XXXX. I also sent them the XXXX XXXX XXXX to let them know I had shipped the item. Representatives from Fed Ex and XXXX XXXX were available to verify I shipped the item. 

Upon receiving the item, the head of XXXX stores refused to take the item. This served as a fraudulent way of denying me a refund even after they had agreed to let me ship it. I have attached the tracking information as proof. 

I opened an additional case with paypal and repeatedly spoke to their representatives, but they still refused to issue a refund. I no longer have the item. 

I have attached the XXXX XXXX  XXXX and relevant tracking information.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I am trying to settle my mother 's estate but First National Bank of Omaha refuses to release the credit on her account. I have been working on this problem for more that a year when we realized that my mother had XXXX and had overpaid her account. My mother moved several times in the past year and she died XX/XX/2022. I have not received the correspondence that XXXX said they would send to her billing address. Most frustrating is my feeling that if she had a balance on her account then XXXX would be happy to send a statement directly to me. I went to the post office to permanently change her last two addresses to mine. The credit is {$140.00} and I realize that this is not the most important problem in the world, but I wonder how many seniors have overpaid their accounts, and do their families even know about it? 
I can provide digital files of cc statement, death certificate, and poa. 
Thank you for your assistance. 
First National Bank of Omaha phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The family of XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-11-28
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: TRUIST FINANCIAL CORPORATION (FL)

My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working 60 hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I reached out to Experian regarding their reporting of an inaccurate account on my report. They have failed to conduct an investigation and they have not fixed the account.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NV)

In accordance with the fair reporting act. Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-28
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)

There are items that i have disputed with Equifax that does not belong to me an is a result of identity theft I am aware that 15 usc 1681c-2 states that the information must be removed not later than 4 business days after receipt of a copy of an identity theft report which i have included.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2022-11-28
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. (FL)

XXXX  XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lender*. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX A Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lender*. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Consumer complaint received 2022-11-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have been in dispute with Santander over an alleged fraudulent " debt ' and unvalidated contract for over a year. The account was charged off and yet the balance has been reporting on my credit report without my written consent. On XX/XX/22, I sent a money order remittance coupon via certified mail in the amount of {$14000.00} to be accepted for value, quoting 12 USC 411, 18 USC 8, HJR 192, UCC 3-104 and UCC 3-603 as the basis for payment choice. Along with the payment, I sent a notarized letter explaining my method of payment and instructions on how to apply it. I received no response or update to my account. On XX/XX/22, I sent a live notarized HANDWRITTEN letter, via certified mail, further disputing the current amount " owed '', along with a live notarized affidavit Notice Of Billing Error pursuant to 12 CFR 1026.13 and exhibits displaying the current payoff quote had not reflected my payment. I received no response. On XX/XX/22, I sent the CEO, XXXX XXXX Department, and Legal Department at Santander Consumer USA XXXX XXXX, ( the parent company to all of the Santander subsidiaries ) the official live Certificate of Non-Response Notice To Cure, as authenticated by the Secretary of State of Texas. I also sent copies of my previous mailings and letter requesting my account be updated immediately to avoid further legal proceedings. Every document sent throughout the process has been live, stamped and autographed. As the consumer, lien holder, authorized representative and beneficiary of the social security account used to open this fraudulent debt, I'm outraged at the blatant dishonor that Santander Consumer USA Holdings Inc and all of its daughter companies have displayed.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Ive been using my XXXX Citi Platinum card since 2001, its what Ive used for all my travel to and from work around the world and its also been my medium of exchange for all my domestic home needs. The very reason I got this card and used it exclusively for over 20 years now was to earn rewards points for my purchases, other people I worked with said the rewards were the best there is and I could never have imagined a stable company like XXXX XXXX XXXX would throw me out with the garbage, but thats exactly whats happening now. 
After all these years, XXXX XXXX XXXX, Chief Executive Officer Citi, informed me with an email that my XXXX XXXX XXXX card was never eligible for rewards/ Points of any kind. Here is a web page showing that this is completely false https : XXXX. 
On this web page both XXXX and XXXXXXXX XXXX are honoring themselves for their long history of rewarding us for everyday purchases and further fostering long-term loyalty. Including 2X ThankYou Points per {$1.00} spent on eligible retail and travel purchases and 2X ThankYou Points on products and services purchased directly from AT & T. In addition, card members can continue to redeem their ThankYou Points for almost anythinggift cards, travel rewards, electronics and much more. 
I now realize that as a card user I have little to no proof because these giants sit atop all the small print and leave me with nothing more than their broken promises.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have attempted this now XXXX times with Capital One please see the new letter going out today. I attempted to fax this to you to fax number listed but it doesnt seem to be working. 
Good morning, I am writing for the last time to request my information be updated to report accurately on the credit report for XXXX and XXXX. I have been denied credit because I was told you are showing I missed payments on my account and that is outright wrong. 
Currently you are reporting missed or late payments for the following months on my account listed above : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX. 
I called again today and spoke to someone in Resolution Dept by the name of XXXX ID XXXX he said I would need to send in my documents again. This is now my XXXX attempt in less than 12 months to get this corrected. My previous attempts to capital one directly was in XXXX of XXXX to the above address as well as XXXX of XXXX again with all pertaining items to resolve this. I also disputed this account with all three bureaus in XX/XX/XXXX I was told this was correct and that too was wrong information. 
I am again providing proof that the payments were made. Your capital one online for my account also reports them made timely and not missed. Why are you not able to correct this? 
When I call, I keep being told this account was included in my previous XXXX. I reaffirmed this account and made my payments and made them on time. I have never been late and never missed a month. I was granted an extension in XX/XX/XXXX. However, there is no reason why this should continue to be reporting incorrectly. 
I have provided again today the following exhibits : Exhibit A : screen shot of what XXXX is reporting in terms of missed payments. 
Exhibit B : Capital One payment history reflecting these payments made on time and never missed. 
Exhibit C : Bank statements from XXXX XXXX XXXX to reflect payments came from my account on time and not missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Since I opened my account in XX/XX/XXXX my account has been paid on time and never late and you continue to mis report my history. I should only have to request this one. I now am going to file a report with the Federal Credit Reporting Act/CFPB. This is wrong and you need to make this right. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Office of Edwin B. Parry (UT)

I am on XXXX and social security only and was garnished from my checking account money that had been gifted me to pay rent in the amount of XXXX and now they are trying to do this again. I called and checked on the debts they were garnishing for and was told I had a XXXX balance. When I called and talked to the attorney 's office, they said they were collecting for interest and fees over the past 4 plus years owed just to them, even though the debt was paid off. They did not care if I was not employed and on XXXX or social security. They are now threatening to do this to me and again I found out the debts were at a XXXX balance, and I had paid them off. One being a medical bill to XXXX XXXX for XXXX account number XXXX dated XX/XX/XXXX in the amount of XXXX. Attorney Edwin B Parry is now charging XXXX in interest and XXXX in interest. bring the total to XXXX. XXXX The other is XXXX XXXX acct # XXXX the amount of XXXX as of XX/XX/XXXX. I was told by XXXX this debt was paid off by a security deposit and at a XXXX balance. I am now being charged interest on this as well bringing the total to XXXX. 
When I try to discuss this with Attorney XXXX XXXX office, they are rude, and basically call me a liar and low life, one particular man by the name of XXXX repeatedly hung up on me and would not let me even talk.and then blocked my number so I could not get through to the office. This is the office in which I feel I was harassed and garnished. 

The Law Office of Edwin B. Parry XXXX XXXX XXXX XXXX Utah XXXX XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

hi there my name is XXXX XXXX XXXX my loan company " community loan services '' has transferred my loan back on XXXX to another loan company " Mr. Cooper loan servicing and now being serviced by their parent company " right path loan servicing company " which are both under NATIONSTAR MORTGAGE. 
Right before being transferred from community loan servicing I have chose the option of COVID-19 Payment Deferral on their platform.

Right path have declined the payment deferral and since then my loan is not current I have called them every two week for the past 5 month trying to have my deferral approved and bringing my loan current. I have been able to set future payments to keep my forbearance under 18 month.

I have come to a point now where I feel right path NATIONSTAR MORTGAGE are giving me a run around now that they reported on my credit file I'm over 180 days late on payments which dropped my credit score from XXXX to XXXX and I fill my rights are being violated since I'm still under the protection of the COVID-19 forbearance- please help me. 
I have all the phone conversations recorded for the past 5 month but can't upload them
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

When I went into Wells Fargo Bank to cash a {$340.00} check, I made a payment on my Wells Fargo credit card inside the bank. 

While this transaction was being made, the young lady was running her mouth, while handing my funds. 

This is not my first time making payments on my credit card in this bank. 

When checking my credit card two weeks later, that's when I notice my payment wasn't applied to my account.