davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (AR)

I am the successor in interest to a family home in XXXX XXXX XXXX. It took numerous attempts over the course of a year to get Mr. Cooper the mortgage servicer to recognize this. Since then I have requested a validation of the debt and the payoff amount. I requested any and all available loss mitigation options to be presented. None of these have been done or provided. They have on multiple occasions tried to assert the property is vacant and send people to " maintenance the property '' to which I have responded on each occasion that the property is not vacant. I believe this was done to ultimately cause more fees to be assessed making it more difficult to keep the property. I have not been properly noticed of the immanent foreclosure. No proof that Mr . Cooped has the legal right, standing, authority to foreclose and sell the property. Upon my own investigation I have discovered Mr. Cooper is demanding the remaining principle of {$35000.00}, plus {$14000.00} in missed payments, and {$7000.00} in " lender paid expenses ''. There is no details as to what these charges are for. The {$14000.00} includes principle amounts that the are adding to the states remaining principle balance in an effort to get more money in profits that could possibly be owed. I believe this to be a unconscionable and deceptive practice that was done intentionally by the mortgage servicer. I called the servicer and the services attorney-in-fact to try and have the sales set aside because of failure to provide required documentation as prayer console state law As well as failure to have properly appraised prior to Initiating foreclosure proceedings. The company has a history Of predatory and wrongful acts towards customers. The company also informed me on a phone call that they were not going to follow state law even though they've been put on notice that they're in violation.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

Hello my name is XXXX XXXX. I am requesting that the items i have uploaded circled in red to be removed from my report as they are older than the statute of limitations of 7 years. The account in question is 9 years old and is too old to be reflected on my report. My other reports have removed this item and I am requesting this item to match all reports.
Consumer complaint received 2023-10-31
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. (FL)

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX  Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is refusing to correct the wrong city they have listed on my credit report. I 've called and spoken with them endlessly and they always promise to correct it but they never do. I 've also provided them, via USPS mail, with all the copies of supportive documentation or ids, they requested from me and still nothing has been done or corrected on their end.
The craziest thing here is that whenever Experian mails me any correspondence, they always mail it to me, using the correct city ( XXXX XXXX ), I live in but on the actual updated credit report they mail me my personal address always contains the wrong city ( XXXX ). Please refer to the 10 included attachments. Lol, XXXX, Lol!!!!
Experian is unprofessionally failing me here by not keeping my credit file completely, correctly, properly and accurately updated!!!!
XXXX XXXX, is the correct city, I live in.
XXXX, is the incorrect city, I live in.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (HI)

I applied to the new XXXX repayment plan in XXXX of XXXX. I contacted Nelnet in XXXX after receiving a giant bill to repay my loans and after waiting on hold for over XXXX hours they answered the phone. I was told my application was under review and I would need to wait for a request of XXXX dollar payment to change plans. The woman told me they would send the email by early XXXX at the latest. I told her the bill shows I owe a massive payment that I can not afford. She said well you dont actually owe that we just have to process your application. I told her legally it shows I do owe that, and you could ruin my credit or worse by sending me bills prematurely. She assured me that I didnt owe that amount and I would have my application completed promptly. I havent received any information or emails from since then and I can not get anyone to answer the phone for days. This is beyond unacceptable. No one has XXXX hours to wait on hold. This is predatory and should be investigated. How could the federal govt select this terrible company to take over student loan debt?
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

I applied for discharge of my XXXX XXXX XXXX scholarship loan, provided via XXXX XXXX. Months ago I submitted via student aid.gov and through Nelnet. 

I withdrew from XXXX online Graduate program, when the first class I had was marked with undue harassment by the professor. 

The loan was originally a XXXX loan amount, which is now roughly {$1600.00} via Nelnet loan servicing. I am paying for this loan that did not serve me, as I withdrew. I have XXXX children in college that I need to help now ; I should not have to pay for an educational loan where I withdrew under circumstances brought on by the constant harassment of the professor.
Consumer complaint received 2023-12-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc. (TX)

My loan had a debt cancellation provision which should apply as I was involuntarily XXXX  from XXXX XXXX XXXX XXXX  under XXXX XXXX  and honorable conditions. 

This discharge directly impacted my ability to repay said debt.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

Rooms To Go credit card managed by synchrony Payments are due on the XXXX of every month XXXX payment was made on XX/XX/15 Received an overdue notice with late fee. I called customer service and was told I paid when the statement was generating and therefore it doesn't count. Asked for policy in writing that says you can only pay between certain dates and they would not send but did remove late fee. Today I am being told my account is delinquent and I must make a double payment. Spoke to them again and was told I paid a day to early. I Requested they apply that to the XXXX bill and they said the request was denied. Went up the chain and requested again and was denied. I also requested something in writing that lists restricted dates and they couldn't or wouldn't send it to me. I asked to speak to manager and was denied.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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 2023-11-22
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: EQUIFAX, INC. (FL)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (OH)

I do NOT have an account with Upgrade Inc, ACCT # XXXX. Fact, XXXX is aware and has proof already from prior documentation of consumer laws, that XXXX XXXX is in violation of of 15 US CODE 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of ANY debt. I did not authorize any of the inquiries on my credit, and have no knowledge of the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 15 US CODE 1681I ( A ) ( 5 ) ( A ) ( I ) ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. THERE WAS NO CUMMUNICATION OR CONSENT, THEREFORE THESE MUST BE DELETED.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  charged off an account on my credit report and the card was never mine to begin with. it was obtained fraudulently. I have disputed this several times with no progress. The account was closed XX/XX/2022.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/23 I got emails from XXXX  addressed to XXXX and sent to XXXX that was an order confirmation for an order from XXXX XXXX XXXX XXXX that I didnt place. The customer name was XXXX XXXX ( my maiden name ) and the address was in Ohio ( I live in Texas ). I have an account with XXXX  because I use their app to track shipments to me but I have never used Affirm / XXXX XXXX to finance anything. 

I received subsequent emails stating that I had set up payment installments. I tried to find customer service to notify them that I did not initiate this transaction, and I found an FAQ that said to reach out to the merchant. So I emailed XXXX XXXX XXXX XXXX and said that I didnt initiate this purchase, but they didnt reply. 

I received an email that said that automatic payments for my loan were set up on a card whose last 4 digits dont match any of mine. I figured out how to open a case with Affirm on XX/XX/XXXX. They emailed me and asked me to fill out an Affirm Customer Protection Affidavit but there was no link or explanation of how to do this. 

I have received numerous emails that my account needs attention and my auto payments didnt go through. I called Affirm and they told me that they can see that my auto payment was never confirmed so on their end it looks like I am not on the hook for the money. However, I continue to receive emails with escalating urgency saying that this will hurt my credit etc.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I received an offer from Chase to open a saving and checking account which I did on XX/XX/XXXX. I was told from a Chase representative I could take a picture of my check and deposit it in my new account so I did that on XX/XX/XXXX in the amount {$2000.00}. After about and hour I received an email your deposit have been received and funds will be available on XX/XX/XXXX. Immediately I called and spoke with a representative who gave me false information. I called again about 5 to 6 times and got false information again. Finally I went to a local branch on XX/XX/XXXX. I showed the representative that the check had been cashed on XX/XX/XXXX from my bank. Now today XX/XX/XXXX and Chase is still holding my money with a restriction and refuse to release my money until XX/XX/XXXX. to mail a check to me which will take other 3 to 5 days to get to me. They have already verified that they have my {$2000.00} in there bank but is refusing to release my money to me.
Consumer complaint received 2023-07-27
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Identity Fraud and theft has apparently happened because this is not a credit account that I have ever applied for? I just recieve fraudulent bills in the mail. Then when I call to question this account and report it as fraudulent. The multiple phone calls start everyday. Along with threatening mail and everything else. This company uses every possible threatening means possible to collect fraudulent debt. They don't respond to the words of identification theft and fraud. Instead they double up on threats. This company is using a couple of hundred different phone numbers to harrase you daily from multiple areas? They are fraudulent credit preditors?
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. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AL)

Goodafternoon. 
I was in Pennsylvania stuck XXXX weeks. In there and on the XXXX of XXXX somebody went in my CD and stole {$5000.00} from my Bank. Then on XX/XX/year>, I Zelle this guy {$800.00} dollars trying to get home by plane. Nobody else wouldn't help me get back home. So I Zelle this guy and took my money and now I have money. The reason I had did so because no credit card nor debit was not being in my possession. My money was stolen from me twice I need help and my money put back in my account. They stole my Identity and my money. I finally made it back home but still don't have my money. 
Best, XXXX
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

MOHELA has not provided me with a sufficient answer as to why I did not receive a billing statement 21 days before the due date. In my secure inbox, I received a direct debit notification on XX/XX/XXXX for withdrawal on XX/XX/XXXX. MOHELA claims they sent it on XX/XX/XXXX which is completely false. This is a violation of the federally published 21 day mandate. 

Additionally, the direct debit statement, which is not a bill, did not include any information as to the interest amounts accrued with all fields marked as not applicable. 

How am I supposed to continue to make payments and plan when MOHELA obfuscates information, makes it impossible to understand interest accruals, and does not send out actual billing statements? A direct debit notice is not a bill. Additionally, only sending notices to the secure inbox is not useful. I requested to switch to paper and have not received a response.
Consumer complaint received 2023-06-15
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. (TX)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

An auto loan was open with wells fargo in my name for the amount of {$32000.00} a year and 2 months ago. I was unable to get any additional info from well fargo and am unable to take the necessary steps to remove it from my records as a consequence.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

I took out a loan with spotloan on XX/XX/XXXX the loan was for {$800.00} and the payments were bi weekly for {$140.00} in total I was able to make 8 payments. I reached out to do a payment plan of 10 bi weekly payments of {$90.00}. In total I was able to make 4 out of 10 payments. I am struggling to make ends meet I am so XXXX XXXX fixed income and I am barely making it I have bills and utilities that I pay monthly and it is causing me to be very tigh with finances and I would like to settle the account for the payments I have made towards this loan and close the account and have the debt forgiven.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1500.00}.
Consumer complaint received 2023-12-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NM)

VanillaGift.com - VISA gift card - {$50.00} Card number XXXX XXXX XXXX XXXX Vanilla Gift Card was declined as method of payment everywhere I attempted to use it except on XXXX where the card was initially accepted and items were purchased, transaction was complete. Later however, XXXX sends notice that payment was declined and a new method of payment must be provided. I canceled the orders but both XXXX and Vanilla charged the card anyway refusing to ship order, refusing to cancel order, leaving buyer with no product, no recourse for unauthorized transactions. XXXX and Vanilla offer no customer service for this issue. Despite payment declined, XXXX and Vanillla will not allow cancelling order or disputing charge. Vanilla gift card now has reduced/depleted balance while no transactions are completed and no product was purchased.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX, my wife and I opened 2 new accounts at TD bank at their XXXXXXXX XXXX branch. 
1 CD in the amount of XXXX with an interest rate of 5.5 % APR, and a high yield savings account in the amount of XXXX with an interest rate of 4 % XXXX. 

I received a statement from the bank on XXXX referencing the high yield savings account, which indicated the 4 % interest rate was paid on the first month following deposit, BUT, that rate was drastically reduced for the following 3 months. 

I called the bank on XXXX and spoke to XXXX XXXX, the bank representative who we dealt with setting up the accounts. He had no explanation for the rate change. He advised that he was changing the rate back to the 4 % and would get an answer regarding what had happened. 
I requested answers regarding what had happened and if the bank was going to make a correction and credit the account for the lost interest. 
XXXX XXXX indicated he was going to speak to his manager and I should have an answer by XXXX. 
Not receiving any reply, I called the bank on XXXX but was only able to leave a voicemail. I then went to the bank in the afternoon of XXXX to speak to XXXX XXXX. He advised that he had not received an email reply from anyone that would allow him to reply to me. 
He indicated he should have an answer by XXXX. 
Having not received even the courtesy of a reply I sent him an email advising that if I had no reply by the end of the day XXXX, I would need to file a complaint. 
Once again, I did not receive a reply either by phone or to the email.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft. I filed the correct paperwork with the FTC and the police and submitted them with my disputes. They have not done the disputes correctly and not attached the paperwork to the disputes. I have not gotten copies of the verification process