davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (CA)

Student loan payments resume this month. I logged in to my account to make a payment, and they claim I owe {$990.00} TODAY. 

My total loan amount is {$14000.00}, to be paid off by XXXX. My interest rates are 4 %. I also received a XXXX XXXX, and was granted forgiveness before that was rescinded by the Supreme Court. I then applied for a payment plan adjustment. I am currently unemployed. 

Before XXXX pause, my payments were around {$120.00}. $ XXXX is literally insane. It's inexcusable, predatory, and borderline extortion. 

Aidvantage should be dissolved as a company!
Consumer complaint received 2018-11-08
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1 XXXX inquiry.
Consumer complaint received 2018-11-08
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1  XXXX inquiry.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

On XX/XX/XXXX, I reached out to Coinbase ( via case # XXXX ) to complain of several phishing attempts from unrecognized individuals on my account. And I was advised to change my password. I changed the password and setup 2-factor authentication through phone ( via text to XXXX only ). So, each time I logged into my account, I got a token via text message that I had to input before proceeding with the login. 

Early XXXX, because I had lost over half of my funds due to the volatility of the cryptocurrencies, I converted my remaining balance into dollar ( about {$4700.00} ) and left it in the account pending my next decision on what to do with it. 

In XXXX of XXXX, I logged into Coinbase and noticed that my funds were converted into bitcoin in XXXX and immediately transferred out. I reached out to Coinbase ( case # XXXX ) to complain that my funds had disappeared from my account. The initial response was that my funds were still in my account and I was advised to change my password. The case got closed. On XX/XX/XXXX, XXXX XXXX at Coinbase sent XXXX XXXX into my account for whatever reason. This did not account for my lost funds. 

On XX/XX/XXXX, I reached out to Coinbase again Case # XXXX and the response I received is this : " As per checking in our resources, we can confirm that there is no XX/XX/XXXX withdrawal on your Coinbase Pro account. '' The case ultimately got closed. 

I reached out to Coinbase on XX/XX/XXXX ( Case # XXXX ) to request for my funds and I was told that after investigation, someone accessed my account via two factor authentication sent to my email address. I never used email 2-factor authentication to access my coinbase account. All attempts to get my funds back from Coinbase has proved futile. I have sent another complaint to Conbaise via their online file and I never got a response back The disappearance of my funds is a result of their carelessness and poor protection of customers account. Coinbase needs to refund my funds.
Consumer complaint received 2018-11-08
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. (TX)

The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX from Midland XXXX called early XX/XX/2018 at my place of employment and I told him to never call me at work again. 

Today, XX/XX/2018 XXXX has called me again at my place of employment. I again told him to never call me at work again and hung up. 

I have never used them before and I certainly would never use them to begin with. I have not received any notifications by mail that I owe them anything.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Company did not pay escrowed XXXX  tax ( included in property tax ). Asked to pay tax penalty of {$240.00}. They promised to reimburse me if I paid it. Refused five times to reimburse it despite promising on XX/XX/24 that they would reimburse it.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

XX/XX/ {$64.00} was taken out for XXXX. For a purchased I never made. I told Chimes I never made it. I requested a dispute. Dispute came back and Chimes said upon checking. They found that I did it. I contacted XXXX and they said no purchase was made and they don't have my money and for me to contact my bank and tell them I want my money back. Well I did and they still say I did it.I requested another dispute and after that one came back they still say I did it. It makes no sense to me. How XXXX said no but Chime is saying I did it. They are refusing to give me back my money. I've had this problem several times with them and they won't give me my money back. A few months ago someone took my whole Social security check I had just got paid. They said I authorized it. Really I don't think so. I have bills to pay. Why would I give all my money to someone I don't know. I'm XXXX and that's what I live on. So that month I had no money and I couldn't pay my car note, rent, insurance and other bills. They still say I did it. I've been with Chimes for about 3 years I believe.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (TX)

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately -Clarity services a part of Experian XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Tx XXXX on behalf of cash advance now ; XXXX XXXX XXXX XXXXXXXX, XXXX MT XXXX date- XX/XX/2022. 

- Clarity services a part of Experian.. On behalf of XXXX XXXX XXXX . date XX/XX/XXXX  -Clarity services a part of Experian. On behalf of XXXX XXXX. date XX/XX/2022 -Clarity services a part of Experian. On behalf of XXXX. date XX/XX/2022 -Clarity services a part of Experian. on behalf of XXXX XXXX.. date XX/XX/XXXX  -Clarity services a part of Experian.. On behalf of XXXX XXXX.. date XX/XX/XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy
Consumer complaint received 2024-05-13
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NC)

I attended the XXXX XXXX XXXX XXXX in XXXX and graduated In XXXX. Once payments were due after graduating, I was not able to make a XXXX XXXX  monthly payment. Navient forced me into forbearance. I inquired about other options but their customer service informed me there were no other options. They insisted that forbearance was the only way. I also asked about consolidation but they told me these loans could not be consolidated. I was forced into forbearance for nearly 2 years, costing me an additional {$20000.00} in interest on top of my already high loan. Each of my private loans also consisted of a 12 % + interest rate. I have {$45000.00} in private loans. I consolidated the bulk of my private loans ( {$37000.00} ) so that I could repay them. However, I still have XXXX private loan with Navient. I have already paid {$6300.00} for that XXXX private loan but still owe {$2100.00}.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 I went into the XXXX XXXX Bank of America Branch to close my checking account. After showing my identification and properly answering the questions to confirm my identity. the bank representative XXXX informed me that I needed to open the BOA mobile app. to continue. I informed him that I was XXXX XXXX XXXX and did not have the mobile app. As I was there in person and properly proved who I was with my identification, I wanted to close my account. I explained that my husband ( co owner ) had passed away and that I was moving from XXXX  to live with my son in XXXX  and the nearest Bank of America branch would be two hours away and it would be inconvenient to continue to bank with Bank of America and thus wanted to close my account. I had {$60.00} on deposit and he refused to close my account and give me the money. Bank of America continues to assess a XXXX XXXX  monthly service fee and has depleted the funds I had on account and the account is about to be overdrawn as a result of their service fees and refusal to close my account.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IL)

. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.This was done by fraud and nothing this company has matches what is on my consumer report and they refuse to take care of the situation.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (OH)

PENTAGON FCU XXXX XXXX XXXX, VA XXXX Denied me access to my credit account for over a year causing a payment to arrive late. Pentagon admitted to this grievous error appx. 1 year ago and finally gave me access to my account information.

Despite their admission in fault in handling of the account, they continue to report a missed payment that was due to their mishandling of the account.

I have attempted to contact Pentagon FCU and they have remained silent to my e-mails and calls.
Consumer complaint received 2024-01-17
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted my for unauthorized funds taken from my account back in XXXX somewhere near XX/XX/23 I did not get a provisional credit nor my issue resolved I received two letters of denial?? Stating I took the cash out or someone I know??? I did not take no money out of my account!!! I REQUESTED THE DOCUMENTS USED TO DETERMINE THE DECISION WHICH I HAVE NOT RECEIVED I WAS ALSO JUST TOLD I COULD HAVE FILED A POLICE REPORT WHICH EOULD HAVE HELPED THIS MATTER!! WHY WAS I NOT GIVEN THE INFORMATION THE FIRST TIME I CALLED!!!??
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

on XX/XX/XXXX i dialed XXXX to connect with Mr Cooper loan servicing company. I got this number from my account on their website. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me questiona and would not allow me to speak with a service representative.
Consumer complaint received 2018-11-08
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several XXXX however I did authorize only 1 XXXX inquiry.
Consumer complaint received 2018-11-08
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. (AZ)

I currently have 76 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 76 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-06
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: National Credit Systems,Inc. (MO)

The apartment I was renting from, tried to sue me. We went to court, the judge listened to testimony and reviewed evidence. The judge ruled in my favor that I do not owe this company any money. That company then sent it to the credit agency, after I won the law suit. I made a dispute to collections agency, as well as through XXXX and XXXX. The credit agency asked me to send proof. I mailed them a copy of the judges ruling. They refuse to remove the debt from my credit report. Instead of removing it from my report, they have tried to reduce the amount and convince me to still pay it. I provided them with a copy of the court memo, showing the ruling. I also filed a complaint with the Missouri Attorney General 's Office. They company has refused to respond to the Attorney General. When I submitted the court memo to the credit agency told me she would not accept it because it was hand written, I explained that the reason it is hand written is because the court clerk has hands. I then sent in screenshot from the Missouri Courts Judicial Branch of Governments, and I expressed the judge 's decision was public record. They then sent me a letter saying I still have not provided them with sufficient evidence. I also sent them a copy of the court petition, outlying what the company was suing me for along with highlights of the amounts, all of which the judge ruled in my favor, and agreed I did not owe. 

I also informed them that the apartment complex sent them my information, AFTER we had already gone to court.
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have a XXXX credit card, through Synchrony Bank. Rather than getting electronic statements, I prefer to get paper statement for this account. They are charging me a fee of {$1.00} for month to do this. I have always thought that I am entitled to get a paper statement. I would like the {$1.00} and any interest I might have been charged as a result of the fee refunded to me.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is at it again with their deceptive and unethical practices around paying interest in savings accounts. At a time when interest rates are at an all time high, I opened and moved about $ XXXX to their bank that is local to me. I did this in person with a 'premier banker ' as I was considered a 'relationship ' client for bringing in that much money. I was promised interest rates of about 5 % and when I did not get that amount, the banker was himself confused and escalated to 'corporate '. We have gone back and forth for months as at the time they owed me about {$1000.00} in back interest. Finally they have paid {$450.00} but still owe me around {$600.00}!!! 

The scam that effected me and probably millions of others around the country is that while they claim that they will start paying interest right away, they actually do not pay interest until 2 weeks after the rate is promised. After this happened to me the first time in XXXX when I opened my account- I was not given the interest that was due to me XX/XX/XXXX - XX/XX/XXXX ( about {$200.00} ), and the relationship banker XXXX XXXX escalated my concerns I specifically asked him to check to see if the new promotional rate would be applied immediately and he assured me it would. I did not receive any interest for the entire month of XXXX and only through complaints with 'corporate ' was I given half the interest I was due mind XXXX. It is now XXXX and after several months of waiting and allowing them to do the right thing, they have sent me the following email confirming they will not pay any interest for two weeks when a promotion is applied. They still owe me for interest XX/XX/XXXX - XX/XX/XXXX ( about {$400.00} ). 

The issue is that the relationship banker who signed me up for and convinced me moving my money from XXXX XXXX XXXX  where I was already receiving a 4.5 % interest rate either lied or was also not aware of this practice. He had me electronically sign some documents, which were 10 or so pages long in legal speak. The fact is, I was deceived by WF and its employees to move my money to the bank with promises of an interest rate that were not true and would make me lose money. The bank is responsible for that and can not just steal people 's money without their knowledge which is what happened to me. I am sure it has happened to millions of other customers as well leading to millions of stolen money from consumers for WF.