davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.
Consumer complaint received 2023-04-05
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. (KY)

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 XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX
Consumer complaint received 2023-04-05
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)

My name is 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 2023-06-14
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

So I have a coinbase account and one day I recieved a email saying my way to open my account thru a picture was approved, I found that odd because I never asked for a XXXXXXXX XXXX XXXX to be approved. So I contacted coinbase and told them that I thought my account was hacked, so they told me that they were temporarily freezing my account and some one would be getting back to me in 5-7 days, I thought ok that sounds fine considering that I have over {$5000.00} in my account, well that was over two months ago, you can not reach them by phone, I have emailed over a dozen times and every time I get the exact same email back saying they are reviewing my account and someone will get backto me in 5-7 days, this is outrageous, they have stole my money and I would like it back, please help XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl, XXXX XXXX
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

Everytime I make a payment to a company wells fargo holds the money in my account for a week  or two and Im thinking the payment is already out of my account and wells fargo start charging me overdraft fee for {$35.00} and they keep charging me and I have to pay them back. I have the money in there but wells fargo delay taking out payments and it keeps saying pending for a week or two. They are scamming comsumers put of money. I went to the bank to complain about this to t he bank and they said this is the way the do banking.
Consumer complaint received 2024-02-01
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. (FL)

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MA)

As a mortgage holder of loan product from XXXX XXXX XXXX/XXXX that was so risky I had real hardships and struggles for close to five years until abput 2011. Not one loan modification program as subsidized by the government was allocated for my relief and it surely wasnt for lack of asking. I have to assert this time though that XXXX XXXX XXXX allow some principal reduction or forbearance with my toxic mortgage loan.
Consumer complaint received 2024-02-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report associated with my XXXX XXXX  XXXX. account ending in XXXX.
Consumer complaint received 2017-05-31
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: AES/PHEAA (TN)

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

There are wrong statuses in my report, I have never paid late these accounts   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IL)

I have my credit frozen with all three credit bureau 's for the last XXXX months and have the XXXX XXXX Police continuing to investigate my identity being stolen. I was made aware today that {$26000.00} in debt is attempting to be collected from a company that was granted to an address in Florida that was not myself clearly. I am uncertain how this was granted as XXXX notified me of the credit report change, but my information is frozen with all three credit bureau 's so how this was bypassed I am not sure, but very alarmed. 

The company attempting to collect the debt and sending me a fraud packet goes by the name of IQ Data International.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX  sent a form for Fulton to confirm the amount due on XX/XX/XXXX. I contacted Fulton on XX/XX/XXXX to see how long it will take to send the form back. I was told by the rep there is one person in the entire company that fills out these forms and he will be out of the office until XXXX. I asked if I could speak with his manager and possibly her or someone on her team can confirm the amount I owe surely this should not take over 14 days. I left a voicemail for the manager in XX/XX/XXXX as of XXXX I have not received a call back. I just need them to send the form back so they can receive payment.
Consumer complaint received 2024-02-01
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. (PA)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

I received email notification that a checking account had been opened in my name with Chime. I immediately called Chime and request that the fraudulent account be closed, however Chime refused to provide me any information regarding the account other than they had closed it. Per Chime advertisement, they issue both a debit card ( within 1 day ) and credit card when you open a checking account without running a credit check or XXXX XXXXXXXX XXXX. I am concern that they issued these cards without proper credit bureau verification to whomever ( anyone ) sets up an this fraudulent account, especially with all the data breach and identity thief that is happen on a regular basis. Even thought the checking account was closed per Chime, there is still a potential that the identity thief could use either of these cards ( debit or credit ) issued by Chime to cause damage to my financial reputation. Companies like Chime should not be allow by law to open checking accounts, or issue debit or credit cards without performing the proper credit bureau checks that are in place to protect consumers from fraud / identity thief. This type of financial offering encourage Identity thief since there is no way for me as a consumer to protect myself from this fraud. I have spend in excess of 6 hours today put fraud alert on my credit profile with the credit bureau and other agencies, which is not fair to me as a consumer because of Chime 's flagrant disregard for protecting consumers from identity thieves.
Consumer complaint received 2023-02-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you another dispute letter containing the list of accounts and items that don't belong to me over 30 days ago ( XX/XX/2023 ) but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes so kindly please take a look at my case.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MI)

My issue is When My mortgage company helped last I did not have enough in my savings, at the time I was rebuilding and finally getting back on track, I have been at same job which I've been at over 18 years after the COVID-19 pandemic which affected me. During covid-19 I was also medically diagnosed with XXXX and XXXX, but I kept working as much as I could trying to make a way.The first mortgage payment of the modification was due 4 days after they did the modification and notified me was final in XXXX of XXXX which I complain to them about that.!, They then gave me a forbearance until XX/XX/XXXX and told me I can fill out another hardship application. The modification was under the federal program, FHA COVID-19 modification. When they did this my mortgage was raised to a higher amount. The reason they stated was the higher interest rate they gave me and escrow shortage which I was not aware of has taken effect as well. My old interest rate was 3.75 % then it went to 5.5 % on top of the so-called escrow shortage. This caused my mortgage to go up over {$310.00} a month And the old total balance of the loan went back to where I almost started 14 plus years ago since they added money back on the back end after doing the modification..., so I had to readjust again. During this time to the present Ive Been paying what I could from my job and took out money from my 401k several times under The terms hardship withdrawal which I owe taxes for. My 401k is depleted now. This is the reason why I'm not too far behind currently. As of right now I'm working with Michigan mihalf program. To get delinquent amounts current, wish they have promised to get me current after providing all documentation. but I still have the high interest rate, that doesn't make sense.. This interest rate has made my mortgage over {$310.00} difference.. I have been in my home since XXXX, and this is the highest I ever paid. Don't understand why I got hit with a high interest rate during COVID-19 when I'm trying to get things together and it was supposed to be a COVID-19 modification program provided by FHA which is supposed to help through the federal government. Michigan, XXXX program told me contact you.. I am a single full-time dad.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo placed hold on {$3000.00} check even though the check cleared the other financial institution. Wells Fargo is giving very poor excuse that my checking account had overdrafts in past 6 months but whether an account had overdrafts or not has absolutely nothing to do with whether a check is good or bad. Once the check clears ACH Clearing House overnight then Wells Fargo can confirm the check is good. We have also contacted the other bank and they confirmed it has cleared. I have never has a returned check in my life for deposit with Wells Fargo. Wells Fargo has no business placing hold on a good valid check and using irrelevant reason of overdraft as reason for hold. One has nothing to do with the other. Wells Fargo is displaying extremely poor judgment especially now during Global COVID 19 Pandemic. Wells Fargo does not know or care if I have bills that need to paid, or need to buy groceries or go to doctor. Wells Fargo should not be doing this any to customers. Wells Fargo should be ashamed of themselves.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

Account XXXX was paid off through affirms debt collector " XXXX '' on XX/XX/2023, but is still showing I owe a {$100.00} balance as of XX/XX/2023, on my credit report with XXXX. I disputed the false report on XX/XX/2023 as " Paid, Closed '', and on XX/XX/2023, the creditor ( Affirm ) verified the information as correct, when in fact it isn't. I then proceeded to call Affirm on 3 occasions ( XX/XX/XXXX, XXXX, and XXXX ), the first time they told me to wait the full 30 days, which I then did. The second time they told me they'd refresh my credit report and it would updated within 2 to 3 hours, it didn't and I gave it until the next morning to update. The third time they did the same thing, but it still hasn't been updated. I'm in the process of paying of my debt and rebuilding my score and Affirm is making the process a lot harder than it needs to be.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (SC)

On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by First Digital, almost a year later after I paid the money First Digital sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by XXXX XXXX, almost a year later after I paid the money XXXX XXXX sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.
Consumer complaint received 2023-08-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a XXXX XXXX  in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2017-05-16
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 have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report