davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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. (TX)

I receive a letter about my student loan being suspended, the credit bureaus XXXX, Equifax, XXXX XXXX, will not remove this from my credit report and will not verify the letter I sent them all the letters also
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I dispute so manny times, XXXX doesnt listen to me keep saying yhe document that I sent is unrelated XXXX XXXX XXXX XXXX XXXX work with XXXX XXXX XXXX is same company they keep saying is unrelated, the documet that I sent has same date, same hour, same year.. I paid this
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX XXXX and transunuin  has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (ID)

Paypal has decided to penalize my small business by enforcing a unlawful wage cap on my earnings. My company has just started to take off financially after many years of struggling. My business model underwent some changes that resulted in a minor success. When I began to earn over XXXX a month they decided to enforce a ceiling cap and now skim my earnings and hold them for 21 days. This has stopped all growth as I am unwilling to give paypal my hard earned money for 21 days. I have spoken to them and they are unwilling to fix this. I am hoping the government will get involved and help me.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2015-09-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I have repeatedly requested information from Nationstar regarding their alleged right to service my mortgage. I have sent numerous validation requests, QWR 's, as well as letters to the CEO regarding the inconsistent, misleading, and disturbing information I have received from Nationstar. I have several documents from Nationstar with claims that they are servicing this mortgage for different entities at the same time. As a consumer, I have the right to make sure that I am paying the correct entity who has the right to collect. I have made numerous phone calls to Nationstar and each time I receive different information. It is no secret that there is rampant mortgage fraud going on in this country and I am trying to protect my family becoming victims to this fraud. Nationstar has also charged my family monthly for inspections that were never done. They refuse to correct or explain why we were charged for inspections. My latest request for information was sent to Nationstar CEO XXXX XXXX hoping that he could shed some light on the misinformation coming from his company. During calls to Nationstar they mislead consumers as to whether they are a debt collector or not. After repeated questioning about why they state " At times Nationstar may act as a debt collector '', they reluctantly indulge that they are a debt collector. This is very misleading to consumers.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-08-29
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/XXXX, I attempted opening an account with UFB Direct Confirmation XXXX XXXXXXXX. On the same day, I received an email from UFB Direct requesting for my Driver 's License and a utility bill Confirmation # XXXX. On XX/XX/XXXX, I called UFB Direct, and spoke with XXXX, stating I do NOT have a utility bill in my name, our Utility bill is in my spouse 's name, and asked if there was any alternative to the utility bill. XXXX advised to provide my bank statement instead of the utility bill since I don't have any in my name. I sent in my Driver 's license and Bank Statement but it was rejected. Utility bill was still being requested. On XX/XX/XXXX, I called and spoke with a UFB Direct staff, XXXX, and stated that My bank statement was not accepted. XXXX, advised to take a picture of my physical paper bank statement and send it in, and I did as instructed. On XX/XX/XXXX, I was made aware through an email that my application was declined because they are unable to verify my IDENTITY as required by the XXXX XXXX XXXX ; and that the information I provided was either incomplete or could not be verified. This I believe, is linked to the other individual who has used my Social security Number to open accounts at different financial institutions. I'm requesting that UFB Direct do due diligence to investigate. I'm ready to provide any form of documentation in my possession to help with investigation. Furthermore, I've created a Federal Trade Commission Identity Report. Also, I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. In addition, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : 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 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 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 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 XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
CONNEXUS CU XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX Please reference this case. It was closed and NOT resolved. 
Bank of America kept giving me phone numbers 1. was no longer in use and the 2nd one they gave was not a valid number to rectify the issue. I was suppose to be getting a phone number for B of A 's underwriting dept. Please reopen the case above and reference the information. 
Thank you XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (WA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paypal Holdings, Inc (IL)

I used Paypal to purchase an item off of a seller on XXXX and when I returned the item, the seller said they never received it even though it was signed for. This would have been XXXX of XXXX that I opened a dispute with paypal. From here they opened a dispute, refunded my money. I paid credit for an {$1100.00} item and they refunded it to my cash account. A week later, they took it back out making my account negative and requested I pay them back. From here I opened another dispute to which they elevated the request. Again they refunded my money for a week or so and then took it away again. I then elevated that dispute again to which they agreed should be an easy case to resolve seeing all of the evidence shows that I returned the item and it was signed for. At this point they never gave me a good explanation of what was going on and I figured I lost the money at this point. Well, that all took until about XXXX of XXXX. XXXX XXXX I received a letter from debt collectors trying to recover the money to which I explained what happened. This is when I kept getting letters in the mail from paypal about paying off the debt a couple of times a month. I called paypal to ask why and they could only say " because I owe the money ''. They sold my account to another debt collector who added interest of course and was trying to get a hold of me. It'd been 4 years by the time I figured out how to open a dispute to get the debt taken care of, but I believe this is still reflecting on my credit reports and want to make sure I don't have to deal with this anymore. Thank you for your help.
Consumer complaint received 2023-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I have an older student loan ; originally unsubsidized Stafford Loans between XXXX. They were handed over to Nelnet without my consent after graduation, around XXXX. 

Nelnet has grossly mislead me on the IBR 20 year loan forgiveness process. 
- they never sent me any mail or call when the Direct Loan program launched around XXXX. 
- no one advised me that the Direct Loan program would offer more payment aid options- they didn't inform me that during the pandemic I would have been eligible for an interest pause from covid relief if I had been in the Direct Loan- I received multiple deferment options and IBR certifications that lead me to believe these FFEL ( Stafford ) loans held by Nelnet were making progress towards a 20 year forgiveness. I am now XXXX years out of graduation and they claim I only have 9 years of forgiveness accrued. I understand the Biden announcement of XX/XX/XXXX will be reviewing these accrued months, but Nelnet wasn't tracking them AT ALL. There is no dashboard to view progress, and when I asked in written form how many months of progress I had, they just sent a 20 page form with all my online history. They are intentionally dodging any bookkeeping about loan forgiveness. I owe 2x 's my principle balance now despite paying down 1/4 of it at one point. This is a XXXX scam and I'm sorry I went to college. 

Nelnet was never planning on following a 20 year IBR forgiveness plan. They are not facing consequences for their scammy behavior.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (MD)

Uplift , Inc. Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/year> which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

The is a follow up to complaint XXXX to be sent to XXXX for response. 

A recent federal government report stated that loan providers like XXXX XXXX provide borrowers with wrong advice. 

In my case, this misinformation has resulted to the following : 6 years worth of payments essentially being wasted. I was put into deferment during my XXXX XXXX XXXX and into forbearance after I completed my service, rather than taking the time to help them understand income-driven repayment. This has caused unnecessary fees and I pay more interest as a result. 

Can I trust your student loan servicer? 
I thought XXXX XXXX had the right answers. I had talked to them on several occasions in XXXX and XXXX about my PSLF and they told me I will pay the amount I had paid for XXXX or XXXX and not {$750.00}. I was told my told I will be notified to make the payment within 60 days. I was informed that I should not worry as my loan will not be reported as delinquent until after 90 days and by that time will have received the notification to pay the same amount I paid in XXXX for XXXX. 

Its not just on payments that I have been misled. XXXX XXXX have misinformed me on : Income-driven repayment Student loan processing errors Failure to help me understand my options when I came out of default Failure to help me understand Public Service Loan Forgiveness during my XXXX XXXX XXXX. 
Incorrect or insufficient information about eligibility, including types of qualifying loans Missed qualifying payments due to processing delays Problems with the job certification process resulting in miscounted payments XXXX XXXX can not say I talked to a customer service representative whos low on the totem pole. XXXX pointed out. This doesnt let XXXX XXXX off the hook. As the governments agents, XXXX XXXX serve the public and should make better efforts to provide accurate information, especially since they benefit from this arrangement.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

received a XXXX $ amex egift card from work, msm technology. unable to add to XXXX funds, paypal, use on any website i've tried/wanted. unable to use in store because it's not physical. have spoken to their 'help center ' 4 times now.. only to get told 'try again in a week. ' called asking for a cheque, was hold to 'call later ' or 'call back ' because we can't do that currently. i've been hung up on as well after the person has acknowledged my voice/name and refuses to talk. i'm overly cordial on calls and it feels like i'm being abused. 

the card has no outstanding holding or wait on it. it's just sitting there, unable to be used, and flat out feels like a scam. it had previous XXXX XXXX holds for trying to add it to their funds and failing ( big surprise ). this is happening to numerous coworkers as well. i have checked the website and it claims the funds are in full and able to be used. this happened a few years ago and they sent a cheque via mail, in 2020? ( different address ) i believe. these cards are a literal scam. never had an issue with visa. 


i am requesting a cheque be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX or XXXX, i'd take XXXX. 
XXXX thanks for your time, consideration, and assistance
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MT)

I have received several calls and a letter stating that I owe money to a collections agency. I have all three of my credit reports and there is nothing in collections. The number that called me was XXXX. I refused to give them any of my information over the phone. They say I owe some XXXX dollars but they don't give any source of this debt.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

this is part XXXX to previous XXXX XXXX fradulant charges. 

Account was made whole with a positive balance with written notification of desire to have account closed. in internal messages and previous cfpb and ic3 complant. 

over a month has passed and they are still allowing charges to be made to an account that was positive with no active debt card.
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumers Inc (MD)

I REQUESTED DEBT VALIDATION FROM THE COLLECTION COMPANY AND WHAT I RECEIVED WAS NOT A VALIDATION THAT I INCURRED THE DEBT. I RECEIVED TWO DIFFERENT HOSPITAL LEDGERS. 

ALSO THE COLLECTION COMPANY VIOLATED LAW WHEN AN ADDITIONAL CREDIT ACCOUNT WAS ADDED TO MY CREDIT REPORT AFTER I SUBMITTED REQUEST TO VALIDATE DATE. 

DATE VALDATION REQUEST-XX/XX/20 RESPONSE RECEIVE-XX/XX/20