davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

First, I was placed in forbearance without asking me, I only assumed so because of notices on the website and that I no longer showed an amount due. This was in XX/XX/XXXXXXXX  when I had one payment made with autopay, the first payment after the national forbearance ending. I received my next statement ( a different amount than the payment I just made ) and then the payment never went through in XXXX. I confirmed I was still in Autopay so this is when I assumed I was placed into forbearance. Banners on their website talked about people placed into forbearance but I never received this notice. For more information, I did apply to re-new my IDR plan at this time, as directed by email, and never received any confirmation until XX/XX/XXXX. 

Then in XXXX all of my loans show past due, I received no correspondence on payments resuming, only my loans now showing past due. I sent an email asking why and had no response. 

Today, XXXX, XXXX XXXX  I tried again to reach out and started a live chat. I first asked to see why my account had past due amounts when I was in autopay and also on forbearance. I was first told my account was not past due, followed by " oh wait I see it is because of the forbearance placed on my account ... '' I asked to have the late payment removed and they instead said they removed my forbearance. Not at all what I was asking for. I said that and they ended the chat, saying I needed to make manual payments for now. 

I have no idea what the status of my loans are, if I am in forbearance or if I actually have a past due amount or not. Now the live chat is unavailable, no one answering phones and no one responding to emails. I saved screenshots of the chat if needed. I can also provide all the different amounts I'm supposed to pay but because they have been different with every correspondence it would be a bit of a list.
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-21
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. (PA)

I XXXX XXXX XXXX have some Fruad inquiries on my credit report I have listed the inquiries and supporting documents below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (HI)

Navient is calling my work phone multiple times a day. Sometimes they call back immediately if I decline the call. The calls are Robocalls and because it is not my debt, I have no way of making my way through their automated system to get in touch with anyone. I have called an left messages and emailed asking them to stop. I had to take the time to listen to and delete every single one of their useless voicemails. I have never had any dealings with Navient or any student loans from ANY sources. I sent an email to every email address available on their website and finally got a response stating that they would need time to " research my concerns ''. In the meantime, they continue to call and leave messages. This has been going on for a year. That's a minimum of 260 voicemails. More if you count the days they call more than once.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (ME)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX. XXXX, NH XXXX Phone # XXXX I entered the CARES ACT forbearance XXXX related relief program which was XX/XX/XXXX. I was able to pay mortgage until XX/XX/XXXX. CARES ACT program begin to pay from XX/XX/XXXX, until XX/XX/XXXX, with extended do to XXXX issue from CARES ACT forbearance XXXX Extension. I was scheduled to start making regular payments on XX/XX/XXXX. When I received bill, it stated that I owed XXXX for XXXX, XXXX, XXXX and XXXX. I was only prepared to pay {$1100.00}. XX/XX/XXXX, which was confirm by PHH. PHH did not want any payment unless I paid 3 months back. I made sure this account was verified through CARE ACT forbearance XXXX program every 3 months and was approval by calling in and staying connected with PHH. So, when I called concerning this amount, they told me someone will be calling in 25 to 30 days later to solve issue. They finally gave me a trail period in XX/XX/XXXX. PHH said trail {$1100.00} payments are due for 3 month and no later than 30 days pass each month. I paid for XXXX and XXXX and PHH sent back payment for XXXX and said payment was not sent in and cancel trail period and sent monies back confusing I know. 
This company have been dragging me alone every 30 days saying that there are going to put me in a modification plan it's been 7 months. At this point no modification and no trail periods. NOW I owe over {$10000.00}. on my home. PHH have deceived me into this situation. Please help. 
NOTE : From XX/XX/XXXX, I have called in every 3 months to verify payment to be paid or approved to move into an account like a second mortgage will be held without penalties unto XXXX with no fees or penalties under the CARES ACT forbearance program. PHH have deceived me into this problem.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MO)

On XX/XX/2023 cashapp updated a completed charge from {$35.00} to {$70.00} My receipt shows the amount being {$35.00} their is no issue with merchant. 
Cash app is aware of the issue and this has effected millions of cash app users and they have done nothing to stop any further double charges they are causing my account to be negative with direct deposits going in for money i did not spend.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

Hello GoodAfternoon My name is XXXX XXXX XXXX contacting you today because Im having a issue with Cash App and also My mobile Bank {$400.00} dollar has been missing from my account for quite some time now, I have been given the run around from my bank and also Cash App and its very unfortunate, I still havent gotten to the bottom of the issue and Ive been very patient about money thats been missing from my accounts, its definitely a inconvenience to me and my family because this is a lot of money there was a total of 3 transactions that was made on XX/XX/2023 one transaction was canceled which is the {$400.00} from cash App I was told the the money would be returned to my account within 2-3 business days, I was watching my account nothing was returned meanwhile Cash App support chat was beyond rude, I spoke with my mobile bank they said that the money was returned but it wasnt because I dont see a deposit/nor returned added to my account, I dont even see it on my bank statement for mobile bank but when I checked bank statements for cash App I do see the {$400.00} but it still has yet to be returned to my account. I just want help getting my funds returned back to me, its going on 2 months already and still havent heard anything, all Ive been getting is chat support being rude to me and Ive had my XXXX XXXX and cash App for years and never had a issue like this before, please if you can help me get to the bottom of this issue I would greatly appreciate it, please feel free to contact me at my email XXXX or cellphone at XXXX Thank you in advance.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, another account still needs to be UPDATED. This account should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed account will be settled XXXX XXXX XXXXXXXX Balance : {$38.00}.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorize this hard inquiry. 


XXXX : XX/XX/2023 I did not authorize this hard inquiry
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (CA)

I took my loans out in XXXX. My account to date still looks like I just took the loans when i refinanced. My loans have grown over the years despite paying them for a majority of the 25 years I've held them. When I took forbearance in the past it was due to financial difficulty and the minimum payments being beyond what I can afford. 

Now I am years away from retirement, Aidvantage, despite a previous complaint filed here In XX/XX/XXXX - Complaint # XXXX - which they responded to with more detail then they have EVER responded to me ( they make it IMPOSSIBLE to contact them ), still doesn't care that I have been paying for decades and is prepared to take payments from me like my loans are brand new. Furthermore, in this economy where prices have gone up but salaries haven't I can't afford these payments and I CAN NOT POSTPONE THEM AT ALL. 

Lastly, I thought I had at least 5 months of a forbearance ( I was not fully employed ) left when the pause began that I ASKED TO BE ABLE TO FINISH OUT ( filled out a form for which was received but I did not receive a response ) and although my request seemed to have been accepted ( not rejected ) aidvantage is now saying I have not paid last months payment. 

During the admin forbearance they sent me emails telling me I owed them monthly, and but for their response to may last complaint, I wouldn't have known that I was in forbearance. This whole thing is criminal and I WILL NOT suffer now or in retirement giving money to this enterprise. I can't even email them. Trying to call or set an appt is impossible. I REFUSE TO BE SHAKEN DOWN
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was informed by a bank that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct t on what they are doing.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Hello I talked with company about the price and I wanted to return the car. They didnt even give enough information about prices while purchasing the financed used car. that market cost less than it actually and I found out after a couple of months And I reached out to the company. They told me no way they can get the car back and also told me to sell the car and close the credit amoun of XXXX. 
Market price is not even XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates , LLC has reported duplicate accounts for XXXX XXXXXXXX XXXX with account numbers XXXX and XXXX and I have settled this debt and XXXX is showing the account is current for every month except XXXX which is incorrect and I have letters to prove the account is charged off but the letters have account # XXXX and it is affecting me with my process to purchase my home.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

This is my XXXX complaint about Regional Finance, Ive sent them a XXXX XXXX XXXX letter that I was provided by XXXX, filled it out & sent it to them and they repeatedly contact me. Im uploading a letter I received today. I want the harassment to stop.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

The personal information listed in my personal credit report is inaccurate and invalid.

I have in the past disputed this same information and it was eventually deleted and it is not re-appearing on my personal credit report along with some new invalid information.

Name Addresses Employment
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (NY)

My cash app card was deactivated and i was told it can be for many security reasons but i dont understand why my card was deactivated when i been using cash app for the last 3 years
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Company kept associating transactions with another account through their car care service. So activity on this card was limited due to there own negligence. I reported it several times. They sent notice my card would be improving, and a new card was on its way in coming weeks. Then they closed my account with zero notice or solution. Only way to obtain is by pulling credit and reapplying. Synchrony is fraudulent and messes with peoples credit poorly. I am tired of this and want this reported.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AR)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FULTON FINANCIAL CORPORATION (PA)

XX/XX/XXXX payment was put in suspension. 
When applied to loan it went to interest only. The principal balance was not lowered. XXXX principal balance was wrong therefore my XXXX payment is off as well. 
No resolution yet. 
They want me to pay for the systems error.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC (OH)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Choice Recovery, inc. they did not provide me with the original contract as I requested.
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, Transunion removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX  and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute an unknown account that is inaccurately appearing on my credit report. Despite previous attempts to resolve this matter and requests for investigation under the Fair Credit Reporting Act ( FCRA ), the account remains on my report, constituting a violation of my rights under federal law.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing incident of identity theft that I have recently experienced. Unfortunately, I have become a victim of unauthorized access to my personal and financial information. In light of this, I have taken immediate steps to address the situation, including notifying my financial institutions, changing passwords for online accounts, and reporting the incident to law enforcement. 

I am reaching out to the CFPB to formally report this incident and seek guidance on further actions I should take to protect my financial interests and personal information. Your assistance and expertise in handling cases of identity theft are highly appreciated, and I trust that the CFPB will provide the necessary support to help me navigate through this challenging situation. 

Thank you for your attention to this matter. I look forward to any guidance or assistance you can offer. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Advantage LNS Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I choose to accept the settlement amount of {$3200.00}. Which would satisfy the 40 % the company stated they could settle for. Though the above amount is not 40 %, but in fact over 50 % of the total amount, I will accept the offer in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
You agree to also delete this report from the co / main applicant account by the name of XXXX XXXX XXXX. 
I am willing to pay the amount of {$3200.00} as settlement for this debt in exchange for your agreement to the above terms within 15 calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay the {$3200.00} I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase froze my account on payday, I am partnered by Stake.us online social casino, and they restricted my account due transactions, I verified everything, uploaded my ID, answered their questions. They have {$23000.00} pending of mine and I need this money to live, I am getting behind on everything its been XXXX weeks. 

My transaction is completed in the XXXX  of XXXX XXXX or {$23000.00}, they refuse to give me my money. 

This is my case number # XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (MD)

XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.