davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

First Mark, the new debt collector for XXXX XXXX XXXX loans, claims they can not lower monthly payments or do any consolidation because the terms and conditions can not be changed from my original lender, and that the First Mark does not offer any of these services. They also can not pause or temporary stop any collection like federal loans. All delinquent payments or accounts would be reported to appropriate credit agencies. There were also no terms and conditions about pandemic like situations except for disaster and temporary hardship situations. Even before XXXX XXXX sold or handed their loan collection agency to First Mark, XXXX XXXX also said that they could not find a lower payment based on my information even if we were in a pandemic with reduced hours. They would also report to credit agencies if delinquent or late. Then First Mark said that researching a third-party lender to refinance or takeover the loan would solve my problem. A new lender would make it worse because consolidation fees, transfer fees, and new interest rates would be applied making the loan larger and longer than I originally consolidated or got the loan approved for before starting repayment. All the payments I started making to pay the loan back would then be lost and become the new amount of interest/fees owed when consolidating or transferring to a new lender. So who is going to help me? Nobody? How are we supposed to deal with student loans during unforeseen circumstances like a Pandemic? This is very unfair during a pandemic since all the federal loans stop collection for over a year. This is also unsecured debt because nobody knows how much annual income you would make a year after graduating college even if you picked a degree or career that is in demand or in need. There is no guarantee that you would get hired at any job, company XXXX corporation, agency, or place. That is why I am complaining because it discourages future students from borrowing or going to college and hurts those that are trying to repay. I am not even working in my " dream '' career or making as much as I did before Covid or receiving promotions and pay raises. If I could just have my payment lowered a little bit to under $ 125~ {$140.00}, it would help a lot and I wouldn't have to miss a payment or complain to the CFPB about their collection practices and the agency itself.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (ME)

On XX/XX/2021 an unauthorized automatic payment was taken out by the company. As this payment was an excess they applied it to the following month. Upon the discovery of this unauthorized payment, I called Megastar to complaint of this payment. I was told they could not reverse the charge but would need to issue a check. I was issued a check for XXXX ( The amount of the unauthorized payment. ) I was not paid the overdraft fees that I was charge for debits that came out when I was not aware of this payment. 
On XX/XX/XXXX I cashed the check for XXXX that Megastar sent. I received a notice from my credit union 1 week later that the check had a stop payment. I was assessed a XXXX dollar stop payment fee. 
I called Megastar 's customer service number and was told that they had no record of the stop payment and asked for me to send in the credit union notice. This notice was submitted to Megastar. 
They continue to say that the check was cashed even thou they have the letter from the credit union showing the payment had a stop payment. The escalation 's department said they were looking into it as the credit union letter shows they stopped payment but their cash office says the check was cashed. 
I contacted the corp. office and was told it was a problem with the payment process company they contract with and they kept telling them that the check was cashed. The corp office could see the submitted letter from the credit union showing stop payment and fee attached for the stop payment that i was assessed. 
I have been told many times from the customer service department that a supervisor would call me to talk about this but none will call. 
We are approaching 4 months since this happened and we are no closer to resolving this dispute and the megastar financial corp office says it is the problem the payment processor needs to fix, however they should be responsible for the payment as the loan server.
Consumer complaint received 2021-11-25
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-11-03
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. (GA)

I am writing to dispute the following information that your Transunion is reporting. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX for {$2000.00} is inaccurate because the debt has been paid in full because my XXXX has been approved for discharge of XXXX  loans. I have tried disputing this matter online with Transunion and each time they have responded with " your account is valid ). I have reached out to XXXX directly and they have also agreed with me in saying the account is {$0.00} and Transunion should close the account. I even tried reaching out to the company XXXX supplying the account as open and the 800 phone is invalid.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX -Balance {$2600.00} XXXX -Balance {$0.00} XXXX {$46000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2021-11-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NV)

Citibank, sent me a Fyer that asking a certain amount to deposit on a Checking and Savings Account within 60 Days and after wait for 90 Days to get its Promo. Reward of {$700.00}. Therefore, i went to Citibank XXXX in XXXX XXXX, bring my Flyer and have interviewed and took my Driver 's License by the Bank XXXX named XXXX, she check in her Computer or System my eligibility if i can get the Promo.or not from Flyer and said am ELIGIBLE, i hand in her a Check for my initial down payment last XXXX XXXX till i completed the required Term before 60 Days and waited again for 90 Days to complete all the Term and Conditions. Actually, i completed all the Terms & Conditions last XXXX and from that date up to this date, Managers, Supervisors and XXXX whom i talked to claim my Reward of {$700.00} rejected me and ignored my claim, showing me an OLD POLICY that am not eligible for the Reward. Such OLD POLICY never shown to me by the Bank XXXX when i went to the Branch to apply for such Promo.Flyer but it accepted my Check for opening Savings/Checking. This undeniable FRAUD and SCAM by Citibank trying to manipulate Customers to transfer Money to them with a promised Reward that will never be rewarded.
Consumer complaint received 2021-11-25
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: Santander Consumer USA Holdings Inc. (FL)

I went to this dealer to try to complete an online purchase. The website made it appear as if the XXXX i was getting would be {$400.00} a month with {$1700.00} down payment. I submitted credit info on the site and was only expecting to see a single credit pull or inquiry. It would not let me complete the purchase online and required me to come in person. For some reason they were nowhere near the payment calculators numbers. It was actually {$8000.00} to {$10000.00} more than what it originally showed. This is price gauging during covid and delta. It is also non proper disclosure of the hard credit pulls. My credit was hard pulled not just once without proper disclosure and under false pretense, but multiple times. This has caused a negative impact to my credit and needs fixed with all 3 credit agencies. I would like a manager to respond in writing and for them to reply once it is fixed off my credit report. I have a XXXX where I can not currently speak on the phone. So please have them reply in writing. Thank you.
Consumer complaint received 2021-11-25
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. (DE)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : 1996
Consumer complaint received 2021-11-25
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. (FL)

On XXXX XXXX I sent EQUAFIX a certified dispute solely expressing inaccurate late payments in my consumer file. Credit Act 15 U.S.C. 1681 ( 2 ) ( a ) ( I ) Exclusions from a Consumer credit report ; Which they received XXXX XXXX at location XXXX, GA XXXX. I went into explanation how my rights were being violated and I want to dispute and make correction of those late payments to be deleted. Equafix in fact violated the law by not having in dispute listed in my consumer file while this late payment dispute is underway. Which is Liability for willful noncompliance { 15 U.S.C. 1681n }. According to 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) Treatment of inaccurate or Unverifiable information if EQAFIX was unable to verify the late payment belongs in my file then this investigation was deemed considered to be UNVERIFIABLE so in fact must be removed. I want the late payments to be deleted expeditiously. And I want receive my full consumer report reflecting the deletion and the current report as of the deletion; mailed to me through via postal mail.
Consumer complaint received 2021-11-25
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. (NJ)

I have XXXX  CREDIT CARD ENDING XXXX since XXXX almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.
Consumer complaint received 2021-11-25
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: Bread Financial Holdings, Inc. (CO)

Comenity Full Beauty claims I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with XXXX and in two days they claim they verified with Comenity that I opened the account. I did not open, nor use, such an account.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

Ive been trying to get my {$4000.00} back for the past year and a half with no progress. 

XXXX XXXX refuses to help their customers and I have all the chat logs from them. 

Basically I deposited money and when I went to cancel it, I could not get it back. 

Ive already filed a complaint to my bank because I thought thats where the issue was but after their research it turns out the trace number I received from XXXX XXXX did not match anything.
Consumer complaint received 2021-11-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30  days and I have not received any investigation results. This is unacceptable and needs to be investigated.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (FL)

Debt collector LTD acquisitions LLC has harass my job my home phone about a debt I never had with them they are in XXXX violations and Im plan to sue them if they dont remove debt and stop harassing me
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

my name is XXXX XXXX XXXX XXXX XXXX adress XXXX XXXX XXXX XXXX ny XXXX 2 years ago I opened an account with the robin hood application. For several times my shares were increasing the figure, one morning in XXXX of the year 2021 8 month ago I got up when I opened my Robin Hood account I observed that I have XXXX extra dollars in my account, actually I thought that my shares had increased the value of the cost, because not having much experience with the application, I never looked at where that money could have come from, being in my account I get XXXX dollars the same day hours later I receive an email saying that my account is deactivated because a The deposit was put in my account with the name of another person which I don't really know what happened, then robin hood asks me for information about me such as my social, state id, selfie of my self, etc. I send him all the documents they asked for after being sent All the required documents tell me that my account will be closed by law of the robin hood corporation.. I accept that they close it with the reason that they deserve my money which I had earned more than XXXX dollars. Today I still wait for my deposit which I lost several thousand dollars, my current amount right now is XXXX dollars and I lost XXXX dollars because they do not want to return the money. for the last 2 months and received several emails from robin hood where they say that my money will be deposited in 3-5 business days which has passed several weeks and they do not deposit me they are playing with my winnings and my feelings.. I have all the necessary proof to show that robin hood is playing with me i with my winnings...
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

On XXXX XXXX I sent my wife {$2700.00} dollars to her account in which it stated completed with but bank stated they never received it. On my side it said still in transit. After several attempts of back & forth about where the money was the bank finally got their main branch involved & seen where they had been trying to send it but they were rejecting due to the amount. They stated that she could not received over {$2500.00} in single transaction going to her card but if money gram could just split the amount up in different amount as long as it wasn't above {$2500.00}. I tried doing that & still they stated they wanted to hear that from the bank. My wife had letterhead drawn up & sent in to them through email stating why it wasnt going through & still no response. I even filled out form on their moneygram site & still no response from them. I have requested refund & they are telling me that its under investigation until they hear from her bank. My light bill & new car down payment money was in that amount & now I don't have a single dollar. I have requested refund but they will not do it. XXXX below is from the bank. They can verify if needed. XXXX is the company XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX is the company that was going to recieve.