davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXXXXXX XXXX XXXX {$50.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Direct Recovery Services, LLC (TX)

on XX/XX/20 i recieved a voice mail from phone number XXXX which showed as a spoof call from XXXX Texas area code from a man named XXXX XXXX from Minnesota claiming to be a lawyer from Direct Recovery Services saying that i need to call XXXX before XXXX local time to make some kind of prepaid debit payment within 24 hrs or the local police department would be out to my home or work to effect a arrest warrant.of course no one ever came and we knew that it was a scam.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I submitted my Income contingent repayment plan with supporting documents ( XXXX tax returns ) in XXXX and XXXX ( see upload history and correspondence from Fedloan. I received many letters from Fedloan servicing confirming receipt and processing of my application. However I received at minimum 5 different payment plans ( see attached correspondence ). Fedloan servicing sent me an e-mail on XX/XX/XXXXstating my Income contingent repayment plan recertification application along with my XXXX tax returns were not processed in XXXX or XXXX because they need more supporting documents and to resubmit my application. I submitted a deferrment which ends XX/XX/XXXX. All of this occurred after I submitted a complaint to Consumer Financial Protection Bureau
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Today, I received a loan modification application in the mail today. I am being told differnt things by different people. Because this application was sent to me after being told that I don't qualify for assistance, I will assume that something changed on your end. Nevertheless, I will complete it. I have decided to hire an attorney for this matter.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been paying my student loans but noticed during the last two months my principal/interest ratio has increased ( the interest applied has doubled compared to what was applied to interest during the prior two months ). Therefore the amount going to principal has decreased significantly. See below XXXX/XXXX/2017 Payment {$630.00} Principal- {$180.00}, Interest - {$440.00} XXXX/XXXX/2017 Payment {$640.00} Principal- {$230.00}, Interest - {$400.00} XXXX/XXXX/2017 Payment {$960.00} Principal -- {$730.00} Interest - {$220.00} XXXX/XXXX/2017 Payment {$620.00} Principal -- {$500.00} Interest - {$120.00} XXXX/XXXX/2017 Payment {$340.00} Principal -- {$230.00} Interest - {$100.00} Also, my Bar Study loan ( private loan ) has been in an " administrative forbearance '' for three months now but no one at Navient seems to know why it is there. I have continued to make payments during the forbearance but I have been told since the loan is in forbearance status, there will be an accumulation of interest that will be applied to the loan once the forbearance has ended, even though I have continued to make monthly payments during the forbearance. This does not seem right to me.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KS)

I have used Coinbase to custody my Crypto assets for several years now, but I have noticed that there were several unauthorized transactions on my account. I did not receive a single notification via email nor within the app that these transactions were occurring. Nor did Coinbase attempt to contact me for authorization for these transactions. I attempted to get this issue resolved with Coinbase, but they are stating that I have approved the transactions when I have not. Not only that, but now I have to pay taxes on the " crypto I spent '' when I did not authorize the transactions. This is very alarming due to the fact that other users have millions of dollars custodied.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In reference to my complaints I made against Chase bank dated XX/XX/23, I received call from the bank and a case manager was assigned to my case. The case manager and I confirmed that I dont have any accounts or credit cards with the last four digits or the account number being the reason all my accounts and credit cards is close in my name and it maybe a misunderstanding. 

Yet I still received letter from chase bank dated XX/XX/23 saying my accounts and credit cards will still remain closed. 

Is J.P. Morgan chase closing my accounts base on a fault information. Why will my account be closed base on an account that I dont have or never had.. 

All I want is a fair judgement on my case and my accounts reopen.. 

XXXX XXXX XXXX : XXXX. 

Thank you
Consumer complaint received 2023-05-22
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NC)

I was XXXX from XX/XX/2024 to XX/XX/2024. While XXXX I received my tax refund of {$6100.00} into my sofi account on XX/XX/XXXX, from XX/XX/XXXX to XX/XX/XXXX there is XXXX transactions that I DID NOT make or Authorize on my account resulting in {$6100.00} spent out of my account. 
After my XXXX  on XX/XX/XXXX I tried to get into my online account, it was locked due to too many attempts to log in, I called sofi to verify my identity and get my account unlocked after it was unlocked and I was able to log in is when I noticed all the transactions I then called sofi and filed a claim on every transaction. Sofi told me it would take 7 to 10 business days to resolve. After not even 24 hrs I received XXXX emails telling me my claim had been denied never explaining why. I then called sofi back asked to speak to a supervisor who put in an appeal request, after doing so I received an email asking for any information that could prove I wasn't responsible for the transactions I then sent an email with my paperwork from my XXXX  with my dates of XXXX  on them which again I state was from XX/XX/2024 to XX/XX/2024. Now after XXXX days I receive XXXX emails telling me my claim was denied again with no explanation. I need this matter resolved immediately {$6100.00} is a lot of money missing from my account and I need it all back and feel that it should definitely be paid back considering I trusted sofi with my money.
Consumer complaint received 2023-05-22
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello my name is XXXX XXXX, I am writing to you regarding my credit card and the help I need in resolving some issues that I have encountered with it. Recently, I noticed that i was over charge and missed payments. My credit card statement, which has caused me great concern. I have tried to contact the customer service department multiple times, but I have not received a satisfactory response. I am hoping that by reaching out to you, I can receive the assistance and guidance needed to rectify this situation. 

Having negative issues like this on my credit card statement have put me in a difficult financial position, as I am now facing unexpected charges that I did not authorize. I have taken all necessary precautions to protect my credit card information, and I am unsure how these unauthorized transactions occurred. I believe that your expertise and guidance can help me in understanding the situation better and finding a quick resolution to this issue. 

I am reaching out to you in the hopes that you can provide me with the necessary assistance and support in resolving these unauthorized transactions on my credit card. I am eager to work closely with you to investigate these charges, identify any potential security breaches, and take the appropriate steps to prevent similar incidents from happening in the future. Your prompt attention and assistance in this matter would be greatly appreciated, as I am anxious to have this matter resolved as soon as possible.
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

My student loan minimum was {$200.00} a month. On XXXX XXXX I submitted through the Federal Student Aid website an application for Income-Driven Repayment Plan/ SAVE repayment plan in hopes of some relief. I just had my first child in XX/XX/XXXX. I updated my family size in the IDR application. Instead, on XX/XX/XXXX MOHELA changed my minimum {$470.00} beginning XX/XX/XXXX. This seems to defeat the whole purpose of SAVE and it seems like Mohela continues to mismanage loans.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I would like to file a complaint against Mohela, I paid off my loan months ago and I calculated the total repayment, which was in excess of what was owed. I received my letter of payment in full, however I have not received a check or reimbursement for the amount I over paid. I have called multiple times, emailed them, and have had no resolution of this issue. Thank you for your help
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

On XX/XX/2020 CHIME closed my checking account for no reason. My account had XXXX in it that I can not access and I can't get back. Where I was supposed to sign in there was a notice for me to contact customer service for further information. Time does not have anyone who answers their XXXX number all they have is an email where you can contact support I went back and forth with support for 3 months sending in about 40 different forms of verification of my identity and eventually I was sent a check beginning of XXXX the checks dated for XX/XX/XXXX. I went to XXXXhree different places and then the bank where the check says it was issued from all three places told me to contact the issuer and the bank said that the check had never even been issued it all is that it was invalid it wasn't popping up in the computers they couldn't find it. So I contacted time again now they're telling me do I have to give them another email address the one I'm using is on fire live use the same email address for the entire conversation with them all the way back in XXXX I don't even use another email address and they're just trying not to give me my money I have pictures of the check in the entire conversation
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-26
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)

On XX/XX/year> XXXX took the car loan off of my credit report without my knowledge, the loan still had a balance when removed was XXXX made a car payment XX/XX/year> which brought balance down to XXXX ..The original loan was XXXX which helped my credit when being paid off and now I have no knowledge of the amount thats left or showing the account there was no reason for the account to be removed because it made my credit drop XXXX points because the incorrect removal. I need this to be back on my credit
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-05-17
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: SYNCHRONY FINANCIAL (NY)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.