davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C. (WI)

A suit was entered in WI XXXX XXXX for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been 10 yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX in XXXX, Transunion and XXXX is missing generation identifier. These are inaccuracys On Transunion and XXXX the status updated is XX/XX/XXXX. On XXXX it is XX/XX/XXXX. These are inaccuracys. 

On Transunion and XXXX the balance updated is XXXX XXXX XXXX On XXXX there is no balance updated. These are inaccuracys. 

XXXX, Transunion and XXXX do not contain a last payment date. These are inaccuracys
Consumer complaint received 2023-02-06
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. (TX)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

So someone managed to hack my cash app, remove my phone number from my account, use my debit card to send thousands of dollars and still has access to my account, as I cant get help from anyone at cash app to remedy the situation. When I go to sign in, it has me create a new account and I contact support explaining the issue and they direct me to verify my identity, which once done, alerts me that my account has been closed and prevents me from contacting support further. I have also contact via phone, to no avail. So I have had to contact my bank and am told it will take ten business days to receive any kind of credit from the unauthorized transactions, if ever. Due to this, I will lose my home, possibly my car, if I ever get my money back. I intend to take this matter to court should Cash App not remedy the situation in a timely manner.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In late XXXX, I received XXXX statements from NelNet ( XX/XX/XXXX - Amount Due : {$140.00} ; XX/XX/XXXX - Amount Due : {$0.00} ; XX/XX/XXXX - Amount Due : {$210.00} ). See attached statements. 

On my NelNet account, I have autopay set up with XXXX Bank ( see autopayment attachment ). On XX/XX/XXXX, I was charged {$140.00} to my XXXX account which mirrors the amount due in XXXX dated XX/XX/XXXX. 

Today ( XX/XX/XXXX ) when looking at my Chase account, I see XXXX pending transactions from NelNet ( {$370.00} and {$880.00} ) with a note from XXXX that I have overdrafted my bank account because I did not have enough money to cover those payments. I quickly transferred {$300.00} to myself to avoid overdraft fees from XXXX. You can see that without the {$300.00} immediate transfer today, I would be overdrafted as my account balance is under {$300.00} ( see XXXX attachment for account activity from today ). 

When I login to my NelNet account, I see {$210.00} is past due ( see attachment ) even though 1 ) I have auto-pay set up so I should not be past due and 2 ) NelNet has overdrafted my account to cover the payments with amounts that do not match the amount of money I was quoted in the statements. 

This should not be happening and points to a systemic issue with how NelNet is handling payments. At a minimum, I expect to know how much I owe each month via a statement AND to be charged the amount actually listed in the statement so that I can avoid overdrafts going forward. I also expect auto-pay to cover the amount due so that I am not past due on anything.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

When I signed up for a Coinbase XXXX account, Coinbase failed in their Duty to Inform me, as a user, of the miners ' fee components of their transaction system. 

Due to the excessive miners ' fees charged on Coinbase XXXX, I am unable to access my own funds that I lent out, let alone liquidate my accounts and transfer the crypto currencies to a wallet where I can maintain more control. 

I have 4 different crypto currencies held on my Coinbase XXXX under the profile name, @ XXXX, that I am unable to access, withdraw, and/or swap for other crypto currencies. 

I attempted to resolve this issue with Coinbase Support, under XXXX # XXXX, but Coinbase support was unable to escalate the issue to the appropriate level to functionally and actionably address my issues. 

I requested multiple times for Coinbase to liquidate my crypto currency holdings and transfer them to my Coinbase account associated with my email - XXXX. 

Coinbase 's actions have left me vulnerable, being unable to access my own funds to cover everyday expenses, and feel predatory given the fact that Coinbase XXXX does not sufficiently disclose the fees associated with transacting on Coinbase XXXX.
Consumer complaint received 2019-11-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC (NC)

I requested that this company provide me with an itemized list of charges that I supposedly owe. They have placed this as a collection on my credit reports. They have ignored my request and I have not received the documents I requested to verify that I owe this debt. I have attached a copy of the letter I sent,
Consumer complaint received 2017-11-08
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: CITIBANK, N.A. (VA)

I received a correspondence for Sears indication that XXXX reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. Sears responded by instructing me to destroy my credit card in which I have good credit with Sears for years. 

XXXX, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As XXXX has had a breech I believe in good faith that this is the result of this error in my credit.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Aargon Agency, Inc. (IL)

AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. 
THE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from XXXX collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
Consumer complaint received 2019-06-15
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NJ)

I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note. 

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient. 

To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I sent a certified validation letter to Collection Bureau XXXX XXXX on XX/XX/2023. After 30 day no response! I sent a second certified validation letter on XX/XX/2023 it was return back to me. ( return to sender ). It been 50 days. NO RESPOND Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCT : # XXXX {$830.00}
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am the executor of my mother 's checking account and she passed away on XX/XX/2021 and after reviewing her account, I seen a withdraw from Capital One of {$2500.00} on XX/XX/2021. My mother did not have any credit cards, she only had a debit card for her checking account from XXXX XXXX XXXX. I went to the bank and did all the necessary paperwork for unauthorized withdraw and the bank faxed all info to Capital One. I have talked to Capital One numerous times and so did the bank but they say they can not find any info for it. They are refusing to investigate or give my mother 's money back. This is definitely fraud and I do not know what to do next. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX My mother 's name : XXXX XXXX XXXX, I have attached the printout of her checking account for XX/XX/2021 Capital One XXXX attn : Payment Investigation Dept
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (UT)

My mortgage was transferred to Flagstar bank and there is no escrow. I never consented to an escrow because I pay taxes an insurance myself. I recently changed homeowners insurance in which the proof of insurance was sent multiple times to Flagstar. I kept receiving letters that I had not provided proof of insurance so I called the insurance division. They checked and said that they had my proof of insurance. I also received a letter ( enclosed ) that they had my insurance info. So why have they tacked on XXXX XXXXXXXX escrow to my loan payment? My taxes and insurance are paid. I tried to change the payment amount and it wouldn't let me. I can't afford a {$1000.00} house payment on my social security so it will not get paid. 

They are having service issues with phone and website so I can't contact them right away to straigten it out. Can't call on the phone and couldn't chat on the website.
Consumer complaint received 2022-09-27
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc. (SC)

This is in reference to XXXX XXXX Payday loans.XXXX XXXX 2017 XXXX XXXX from XXXX XXXX under the company called the XXXX XXXX in XXXX, South Carolina called all of my references and she left messages on their answering machines explaining how she is going to garner my wages and take me to court, she also said that some people were going to my property and I had to submit some papers. XXXX XXXX called XXXX XXXX one of my references, and told her she was taking XXXX XXXX to court and I have all of this on a voice mail and XXXX XXXX will submit a letter to that effect. When I called XXXX XXXX back I did curse because she called my references and gave out my personal information she said my mother was a XXXX. When I called the company back I asked for the address of the company and I asked them to review the tape. I also advised them never to call me again and to send correspondence through the mail. They still called my phone the next day. I am very upset and so is my mother, and all of my references. They are constantly calling and harassing my phone and my references. I called again to get the address to the company and they would not give me that information and once again I told them never to call me again..
Consumer complaint received 2022-05-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

XXXX XXXX ON XX/XX/2022 WE APPLIED FOR A REFINANCE MORTGAGE WITH XXXX DOLLARS CASH OUT FROM CARRINGTON MORTGAGE XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX & XXXX XXXX XXXX XXXX OUR LOAN REPRESENTIVE WAS XXXX XXXX HIS PHONE NUMBER IS XXXX EMAIL XXXX XXXX XXXX  WAS THE SENIOR LOAN PROCESSOR HER NUMBER IS XXXX EMAIL XXXX THESE ARE THE TWO INDIVIDUALS THAT HANDLED THE MORTGAGE REFINANCE. WE SUBMITTED ALL PAPERWORK AND OUTSTANDING CONDITIONS. OUR CLOSING WAS ON XXXX XXXX AT OUR HOME WITH XXXX XXXX XXXX  XXXX WITH ASSOCIATE ATTORNEY  XXXX XXXX XXXX EMAIL XXXX WHO THEY SUGGESTED AND WE ACCEPTED.ON XXXX XXXX WE RECEIVED A CHECK FOR XXXX WHICH WE WERE TOLD WAS OVER PAYMENT OF CLOSING COST. ALSO A CHECK FOR XXXX TO XXXX  XXXX XXXX  TO CLOSE AN ACCOUNT AND XXXX XXXX XXXX TO CLOSE AN ACCOUNT.WE WERE VERY SHOCKED AND SURPRISED BECAUSE WE NEVER DISCUSSED CLOSING ACCOUNTS WE ASKED FOR CASH OUT REFINANCE. ON XXXX XXXX WE CALLED XXXX XXXX AND HE STATED THE CHECK SHOULD HAVE BEEN DEPOSITED.THERE ARE OTHER ISSUES HERE THE BOTTOM LINE IS WE ASKED FOR AND IT WAS AGREED TO RECEIVE XXXX CASH OUT WITH OUR REFINANCE. WE ARE STILL WAITING FOR THIS MONEY AS OF TODAY. WE HAVE AN EMAIL TIME LINE OF ALL THE CONVERSATIONS WE HAD WITH THE MORTGAGE COMPANY. WE AGREED THAT CARRINGTON REFINANCE DEPARTMENT WAS VERY UNPROFESSIONAL. A DEPARTMENT HEAD WAS SUPPOSE TO CALL US BUT NEVER DID. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE.XXXX  XXXX HOME
Consumer complaint received 2022-05-25
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent each credit reporting agency ( Experian, XXXX, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.