davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (NV)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (UT)

To Whom It May Concern : I am writing to petition you for assistance in a matter that has caused me grave health and financial hardship, associated with Netspend. I purchased a prepaid Netspend visa debit card at a XXXX 'XXXX  XXXX  in XXXX XXXX, Utah on XX/XX/2020.Subsequent to my purchase, I loaded the card with {$500.00} cash ; and attempted to activate the card, but to no avail. 

The Customer Service Representative said she could not verify me because the address on my driver 's license was a P.O. Box and Netspend apparently doesn't accept P.O. Box 's for verification. 

I asked what could be done. She replied that I needed a Government issued identification with an address, other than a P.O. Box ( to which I do not have ). 

When I asked to speak to her Supervisor, I was placed on hold for more than an hour ( and it was the second time I called to resolve this matter ). The issue was never resolved ; and I still do not have access to my money. Again, this has caused me grave health and financial difficulties. 

Although I am at an impetus with Netspend, I am confident The Consumer Financial Protection Bureau can help me get a refund, or resolve this issue in a timely manner. Thank you, in advance. 

Kind Regards, XXXX XXXX
Consumer complaint received 2022-12-29
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. (DE)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XXXX XXXX XXXX that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. 

Thank You
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (FL)

We were effected by XXXX XXXX and my wife was laid off. We called several creditors to get payments deferred. When we called Westlake Financial they said they would submit the request and we would get a reponse in writing. When we got the letter it said we were approved for one months deferment for XX/XX/XXXX. However, the letter said we would be assessed additional interest and a balloon payment at the end of the contract in XXXX. When we called XX/XX/XXXX and got Rep XXXX and asked what does this mean. He explained the unpaid balance will accrue interest of {$7.00} a day until the end of the contract in XX/XX/XXXX. I was furious I did the short math and saw that balloon payment would be approximately {$2500.00} a year for 4 years which is well over an additional {$10000.00}!!! Our original loan was only {$11000.00} and explained we wanted this deferment request cancelled as this is a rip off and can not be legal. The rep XXXX response was sorry it's already been approved it can't be reversed. I explained to him they can not take advantage of people like this and charge more for asking for a deferment. I also explained I would be having this aired on the local news and complaints filed with yourself, the Attorney General and the XXXX of their county.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

After being the victim of identity theft, a police investigation determined that much of the damaged that occurred was due to " exceptionally negligent actions by Citibank and a refusal to temporarily freeze account. This allowed the perpetrator to commit transactions exceeding far beyond the credit limit. '' These words were taken right from the police report which Citibank received but refuses to acknowledge it was received. My attorney has proof. 

I have a letter from Citibank stating it was an error on their part, they waited months to address this, and were removing fraudulent charges from the account, opening the account, and restoring all privileges including XXXX pay etc.
Consumer complaint received 2020-03-23
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: Franklin Collection Service, Inc. (GA)

I contacted XXXX  and XXXX  about 2 inaccurate accounts that did not belong to me. 
There are also 6 inquiries that I explained that they were done by identity theft that my personal information was compromised due to a data breach and I was told to contact the companies directly and didn't remove them. because of these, it has caused my credit score to become distressed and caused me to not be able to support getting things I need for day to day living. so this is why I'm reaching out for your help to correct this situation as soon as possible.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I previously sent Equifax 3 dispute letters dating back to XXXX of 2019 asking them to remove these inaccurate accounts showing on my credit report. The three items that are left on my Equifax credit report has already been deleted by XXXX. Every time I send a dispute letter into Equifax I'd make sure I'll attach my XXXX dispute results with the dispute letter to show that XXXX has already deleted the items that Equifax refuses to remove from my credit report.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

Citi Bank ran a promotion that if I deposited {$15000.00} in a savings account for 60 days and opened a checking account I would receive a {$400.00} bonus. It has been over 90 days and I have not received the bonus. I have attempted to contact Citi Bank and have waited in hold for over 2 hours. Ive read that many others have had this issue. 

The accounts were opened in the beginning of XXXX. {$15000.00} was transferred into the account on XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$91.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00}
Consumer complaint received 2020-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

My original mortgage holder was XXXX and they went into bankruptcy. As a result my load was moved to a second hand horrible company called newRez or Shellpoint Mortgage Services I am really unsure. Their phones all say they are a debt collector not a mortgage company. In XXXX XXXX stopped taking my payment and NewRez/Shellpoint was not taking payments until after XX/XX/XXXX. I received a notice of default and intent to accelerate on the XXXX of XXXX. I did not receive a bill, or any other form of communication from them until this. I immediately called and paid. Confirmation # XXXX I was told my account was in good standing and that i had 60 days before it would have been reported. 

The next week I received a call from my assigned point of contact XXXX XXXX phone number XXXX ext. XXXX stating she needed to speak with me about my defaulting loan. I have tried numerous times to contact her and have not been able to. Today I received a certified letter stating " Notice of default and intent to accelerate '' I was unable to pay my mortgage to my old company and the new company was not taking my payment. Their online payment center has never operated correctly. This is now becoming harassment. I have called and spoken with 2 other agents who verified that the account was up to date and no past payments were due. I am not sure what to do from here but this is absolutely ridiculous. They need to leave me alone. They have their money.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX, Experian and XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Certified Credit Reporting, Inc. (FL)

XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX - XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry.

Thank you
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for assistance mortgage modification again with Bank of America on loan number XXXX and was lead to believe that loan would be modified due increase in Taxes and escrow payments and also other factors such as the loss of income, hurricane impact, illness in my family and XXXX loss of income.Representative also stated modification will include the month of XX/XX/2020 and XX/XX/2020 once modified I was also told total that I could not process a request for XXXX deferral in XX/XX/2020 at the same time and should wait for Modification Request to be completed. As of XX/XX/2020 Bank of America as just sent me a letter stating that I was only approve for Short Sale. As of XX/XX/2020 when applying for COVID19 again online at Bank of America for COVID19 Mortgage Deferral the online application stated can not process due the status of the loan. 

Please assist me with Bank of America also accepting my request for Mortgage number XXXX COVID19 Deferral Forbearance application. 

I am also authorization Bank of America and Consumer Protection Rep to speak to my wife XXXX XXXX regarding my application for COVID19 and modification request of my mortgage loan. My wife maybe contacted at XXXX.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (IN)

I have a Fidelity Visa Card issued through Elan Financial Services. My credit limit is {$25000.00}. I reached my credit limit on XX/XX/XXXX. The payment due date is XX/XX/XXXX with a payment amount of {$11000.00} due. I made payment on XX/XX/XXXX of {$11000.00}. I did a direct payment out of my Fidelity money market account to the Fidelity credit card on XX/XX/XXXX. On XX/XX/XXXX the money was taken out of my Fidelity money market account. The Fidelity credit card is still frozen as of today, XX/XX/XXXX. 

I called Elan Financial and they said I have to wait 7 days before they will let me use my card. The money is in their hands NOT mine. I am now stuck with no ability to use my card even though i have made an EARLY full payment 5 days ago. I do NOT have my money and Elan does ; however, they refuse to let me use my card. How is this allowed?

The upmost irony is this is a Fidelity card, paid electronically with a Fidelity account. I no longer have {$11000.00} and they do but they will not unfreeze my account for 7 days. XXXX!
Consumer complaint received 2020-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: COAST PROFESSIONAL INC (IA)

My servicer is Coast Professional. They garnished my wages at {$200.00} a month, which I can't afford and have been paying over a year. I contacted Coast Professional months ago and gave them my information that they should have asked for before they garnished my wages. I gave them my rent statements and other bills I have to pay each month. They told me based on those statement that I should be only paying {$10.00} a month. It's been about two months and I have not heard from them and I am still paying {$200.00} a month. A few days ago because of the coronavirus, I wrote them a letter asking for a forebearance. My payments should be stopped at this point. Not only that, Coast Professional should pay me back from paying {$200.00} a month when I should have only paid {$10.00} a month.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent me a later stating the account was wrongfully closed and to call to reopen my account for my Platinum Card. When I called the letter was acknowledged but each time I call I am hung up on transferred to the wrong department. The Financial Review team lied to me, made discriminatory remarks about me being XXXX XXXX, and pretended that the letter does not exist. American Express is clearly attempting to hide something despite the numerous letters it has sent to acknowledge its mistake.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I was a customer of checksmart in XXXX XXXX, ohio and i am outraged at that company i only took out a loan for {$400.00}, And every month there are weird fees that i did not agree to. 
There is something majorly financially wrong with that. 

I was in accidents on my XXXX  job, and i feel they are discriminating against me due to XXXX  XXXX.
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

On XX/XX/2020, I was granted a hardship forbearance from First mark Services/XXXX XXXX student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XX/XX/2020. I received a call on XX/XX/2020 from XXXX XXXX  XXXX, informing me that my loans were in collections ( I am not 100 % sure of the relationship between XXXX  and First mark, but my understand is that Firstmark administers the loan payments on XXXX  behalf ). XXXX  was not aware of my hardship forbearance and transferred my call to Firstmark services. 
Firstmark services informed me that my hardship forbearance had been incorrectly approved. They informed me a denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. Firstmark informed me they had not sent any emails, but had attempted to contact me by phone 3 times. Firstmark services informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by XXXX XXXX, and they could not approve it. XXXX XXXX logo is on the letter that affirms my complaint hardship forbearance was approved.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2020-04-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Ive asked for the original documents and signatures to these accounts to verify thats its mine, and was given nothing. Its been 30 days and they just updated. I want these removed from my credit report or Ill have to move forward. 

Accounts Below. 

Account Name XXXX XXXX  Account Number XXXX Account Type Collection XXXX XXXX  Account Name XXXX Account Number Charge Card Account Type XXXX Account Name XXXX Account Number Utility Account Type