davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Two of the last three months we have paid additional principal payments which were not recorded. In XXXX I contacted them and the next day I got am email that I was correct and how would I like to handle it.I responded to the email to call me and I would authorize payment. I never received a response. The two months in question are XXXX and XXXX.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I have been a Venmo customer for about a month and a half and after being bombarded with email after email about setting up direct deposit with them I finally did.. I use my Venmo account every day and on XXXX XXXX without any notice or anything Venmo froze my account with XXXX XXXX  of my money in it stating that I need to verify my identity and until I did that my account will be froze. So I promptly sent them the documents of everything they ask for right away and then proceeded to call there customer support which then notified me they have up to XXXX business to review my identity verification documents and unfreeze my account. NOW MIND YOU I never once received any notices prior to them freezing my account stating that they needed me to verify my identity. My rent for the apartment I live in was due XXXX  XXXX and because I live paycheck to paycheck all the money I had in my Venmo was from a recent direct deposit from my work and that was the money I had to pay my rent and since then I have received a XXXX XXXX  late fee and of my rent is paid by XXXX XXXX I will be evicted from my apartment. This is insane ABSOLUTELY BARBARIC that this company can hold my money XXXX the way they are doing. And it has to change PLEASE HELP
Consumer complaint received 2024-01-18
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. (TX)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (GA)

I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX The current creditor of the loan is as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX defined Creditor : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. 

As per XXXX XXXX  About Us ( https : //www.fanniemae.com/about-us ) the corporation states : We do not originate loans or lend money directly to borrowers. 

If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. 

Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.
Consumer complaint received 2017-12-16
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. (IL)

On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow Experian is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CT)

I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the two companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} I then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from XXXXXXXX XXXX Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX XXXX XXXX  sold the account to Midland Credit Management, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs is deliberately obstructing my attempts to pay on an account I took out through Apple. They say my account number is invalid, but I have been banking with my credit union for more than 20 years. I have taken out similar lines of credit for other purchases, such as through XXXX XXXX, and not had a problem making payments from my credit union. Goldman is deliberately obstructing my attempts to pay by claiming my account number is invalid, when literally ever single other financial institution that I have given it to has accepted it. They are now trying to charge me additional fees and interest after deliberately obstructing my attempts to pay.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello I am authorizing this complaint on my behalf. Cant believe you guys are taking advantage of me. I am very upset with Equifax have not responded back to me about my investigation. I sent a letter to them and its been more than 60 days. I need the accounts deleted or updated. These are the items I am demanding to be deleted immediately.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I became a victim of scammers when transferring cryptocurrency through Coinbase. I lost all my funds and also borrowed funds for a total of {$100000.00}. I am attaching a letter to this complaint describing the situation in which I found myself. This letter also contains my transfer transactions. 

I tried to solve this problem through Coinbase, but at first I filled out the complaint incorrectly, then when I tried to send the complaint again, there were technical problems with my email linked to my Coinbase account and my account was blocked. All my further attempts to contact the support service ended with the answer that the case had already been reviewed and closed. In fact, I did not have the opportunity to send all the materials I had on this case to Coinbase.
Consumer complaint received 2023-07-21
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Loan dates were from XXXX XXXX XXXX. Attended XXXX XXXX where I was persuaded to take out the max amount on costly private loans where interest rates were not disclosed until until a few months prior to graduation. Loans originally serviced through XXXX XXXX, now Navient for Priviate loans & through XXXX XXXX, then Navient XXXX now XXXX for federal loans. Federal loans are currently consolidated with loans from a different college All of my private loans I attempted to pay, though it took years for XXXX XXXX to offer me rate reduction and instead they continued putting me on forbearance which costs more in the long run. In XXXX I was told that I could get on rate reduction ONLY IF I made my account current. I had just come into some inheritance so I did just that and was told that I no longer qualified for rate reduction as my account was current and thus the whole cycle of almost going into default happened again. 

ALL PRIVATE LOANS BELOW- XXXX loan taken out- XX/XX/XXXX was for {$34000.00}, with a XXXX XXXX interest rate that accured while still in school adding an additional {$17000.00}. Payments at XXXX XXXXXXXX ( XXXX payments total ) = {$130000.00} by the time they would get paid off. Loan monthly payment was no longer affordable and Navient refused to keep me on a rate reduction program and stopped paying the loan in XX/XX/XXXX. XXXX sent to default. 

XXXX loan- XXXX {$2100.00}, XXXX XXXX interest rate originally and now at XXXX XXXX interest, owing {$3300.00} at end of schooling & currently still owing {$3300.00}. Payments at $ XXXX ( XXXX payments total ). Currently paying $ XXXX on this loan. 

XXXX XXXX disbursed XXXX $ XXXXXXXX XXXX XXXX interest rate ( now 10 % ), owing {$42000.00} at endof schooling, payments $ XXXX ( XXXX total ). Co-signed by my XXXX XXXX XXXX grandmother. Currently attempting to pay on rate reduction. Loan amount still owing is {$40000.00}. 

XXXX loan- XXXX $ XXXX 10 % interest rate. currently attempting to pay on rate reduction. Currently owe {$29000.00}. 

XXXX loan- XXXX $ XXXX interest rate XXXX XXXX ( info not available on how much accrued before school was out ), $ XXXX payments. Considered paid in full XXXX loan- XXXX {$17.00}, XXXX interest rate XXXX XXXX  monthly payments of {$230.00} for XXXX months. no info on how much interest accrued before graduation. Considered paid in full FEDERAL LOANS- XXXX XXXX XXXX XXXX {$5500.00} XXXX loan- Unsubsudized- XXXX {$5000.00} XXXX loan- Subsidized- XXXX {$3000.00} XXXX loan- Unsubsudized- {$5300.00}
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the 4506T verification as stated and indicated in such credit card agreement, where is the Department of Veteran Affairs 's Form XX/XX/2019 XXXX and legal counsel of record name XXXX street address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form 4506T and the completed and legally signed off form called Department of Veteran Affairs Form XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution.

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am a responsible borrower and have strived to maintain a good payment history. I kindly request that the late payment dates associated with my account be removed from my credit report. The nature of this installment account involves continuous payments, and the late dates inaccurately portray my commitment to fulfilling my financial obligations. 
XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! 
XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! 
I understand the importance of maintaining a positive credit history, and I am committed to resolving any discrepancies on my credit report promptly.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I purchased a flight through XXXX on FNBO 's XXXX credit card on XX/XX/XXXX, however needed to cancel. XXXX only provides an online XXXX XXXX customer service so that did not resolve anything. I called FNBO to dispute it on XX/XX/XXXXXXXX They assured me that they will investigate. This dispute was resolved on XX/XX/XXXXXXXX  in my favor, per the statement. On XX/XX/XXXXXXXX they are now claiming that they could not get in touch with the vendor and that it would be up to me to resolve it. They added the charge back onto my account with interest on the time they spent to resolve it. Now they are making me pay for something that was originally resolved, with additional interest.
Consumer complaint received 2022-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

T

his is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : BK OF AMER XXXX Date Opened : XX/XX/ Balance : $ XXXX OpenXXXX BK OF AMER XXXX Date Opened : XX/XX/ Balance : {$8600.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency , including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-18
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: JPMORGAN CHASE & CO. (FL)

I have been trying to get this late off my credit for several months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.