davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (NJ)

XXXX. XX/XX/XXXX, sold 2 lots of items on XXXX to the same user. First transaction was for {$100.00} and second was for {$560.00}. The buyer made a payment through XXXX with credit card. 

XXXX. XX/XX/XXXX, buyer files 2 case against me through XXXX for problems with merchandise. First case {$100.00}, second case {$560.00} XXXX {$660.00} total ). 

XXXX. XX/XX/XXXX, I dispute the claim. XXXX rules in favor of buyer, no further action is required from the buyer, they keep the items I sold them, and the money was returned to their CC account. 

XXXX. XX/XX/XXXX, XXXX requests I repay the negative balance of {$680.00} ( {$660.00} + fees ). The  same day I reply to XXXX requesting help as I believe I have been a victim of credit card fraud known as " friendly fraud ''. I don't get any reply from XXXX. 

XXXX. XX/XX/XXXX, XXXX forwarded my negative balance to debt collector ; SIMM Associates. 

XXXX. XX/XX/XXXX, I send a dispute letter to the debt collector and submit a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-03-10
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. (NC)

XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (TX)

On the XXXX of XX/XX/2023, I sent {$300.00} to my brother XXXX XXXX, for assistance and for some family problems. As usual, Sendwave was supposed to send in the One Time Password ( OTP ) through text message to the receiver, however, the message never came. So, I directed receiver to go to the bank, but the bank refused payment, as they could not generate the needed OTP, which was supposed to be provided by Sendwave. Receiver went to bank, spending so much money on transportation, on3 separate occasions, all to no avail.

I sent several emails to sendwave, through all the available emails they have on the internet, on two occasions they promised to get back, but till today, the XXXX of XXXX, I have not heard back from them. This has been a very difficult moment for my family way back in XXXX, that depende so much on this cash for survival. 

I have also requested for a refund, but sendwave have refused to reply to my messages, and this is making me to even start thinking it to be a fraud. yet no repl
Consumer complaint received 2021-01-14
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: Convergent Resources, Inc. (IA)

I received a collection letter from XXXX XXXX approximately one year ago. I have never had an account with XXXX XXXX, and have never lived in their service area. Indeed, they sent the collection letter to XXXX, IA, which is an address they should have known is inconsistent with an account relationship. I immediately called to tell them I had no relationship with them. I called from my cell phone, but did not give them my cell phone number, nor did I give them authority to call that number. Several months letter, I received a call on my cell phone from a collection agency. I again told them it is not my account, I have never had an account with XXXX XXXX, and I have never lived in their service area. They refused to provide any information to indicate that I ever had a relationship with XXXX XXXX ( e.g., original contract, address of service, date of service, etc. ). They simply said they would put my number on their do not call list. 

Today I pulled my credit reports because I am purchasing a new home, and there is an adverse item listed from Convergent Outsourcing collecting for XXXX XXXX that I have an account in collections. This is inaccurate. Both XXXX XXXX and Convergent Outsourcing are well aware that I have never had an account with XXXX XXXX, and that ( as the very credit report to which they made the fraudulent entry reveals ) I have never lived in a XXXX XXXX service area. This is merely a shake down because they skip traced my name to an address in Iowa, which they should know is inaccurate because my address history contains no addresses within the XXXX XXXX service area.
Consumer complaint received 2019-03-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC (IA)

All XX/XX/2018 and XX/XX/2018 got phone calls regarding this debt and my refusal to pay would end up with me being in jail and sued via the company representing as the debt collector.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

I am requesting help obtaining my payment history from my student loan servicer, MOHELA. My payments were made through my previous loan servicer, XXXX XXXX, who has stated my current loan servicer should be contacted to provide this information. I no longer have access to my prior account information from XXXX and have been unable to find a means to contact their parent company directly given XXXX XXXX no longer exists. 

I have requested both my XXXX payment history records and past communication documentation from my new loan servicer, MOHELA, multiple times over the past 6 months with no success. At least one of my requests was incorrectly marked as complete and there seems to be no record of the others per my phone conversation with MOHELA on XX/XX/XXXX ( request # XXXX ). The request was reopened ( request # XXXX ), but resulted in incomplete and fraudulent looking documentation not coming close to my payment total of {$70000.00} per the Federal Student Aid website. I called MOHELA XX/XX/XXXX and re-requested my full payment history from XXXX via phone ( request # XXXX ), but have not yet received any information. 

I am requesting this information in order to dispute a denied refund request for my XXXX payment, which I can not appeal without my payment history. The refund was requested per the COVID-19 Emergency Relief, but MOHELA denied my refund request due to there being a lack of payment ' per my XX/XX/XXXX telephone conversation, although I do not see any documentation of this refund denial anywhere on my end.
Consumer complaint received 2023-01-24
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. (NY)

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 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased a vacation from a company that went bankrupt due to COVID. The company was bonded if XXXX customer, but I am a US customer. I was advised to file and dispute with Citibank. I did this and provided all documents to Citibank to include charge bank instructions. The company, XXXX, has not disputed the claim or argued the charge back but Citibank continues to not follow consumers laws by not resolving and finishing the dispute. They have also attempted to close the dispute though I have shown proof for all they need to handle the charge back.
Consumer complaint received 2021-01-14
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Movement Mortgage LLC (NC)

XXXX / Movement mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / Movement mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2021-01-14
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. (AL)

I AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.
Consumer complaint received 2020-03-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NATIONWIDE ACCEPTANCE LLC (GA)

NATIONWIDE ACCEPTANCE LLC XX/XX/2020 CONTACTED MY EMPLOYER " AND HIRED A PARALEGAL TO SET A GARNISHMENT FROM MY PAYCHECK AFTER COURT DOCUMENTS WHERE PRESENT WITHOUT MY KNOWLEDGE.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONS RELIABLE LENDING LLC (OH)

XXXX dated XX/XX/2024, attached, from NRL Mortgage highlights 'Notice XXXX Mortgage XXXX XXXX XXXX to take place XX/XX/2024. 

Unfortunately, on page XXXX of this document the following first paragraph states : " NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2024. This means that after your loan is transferred, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. The transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan. '' Unfortunately, there was also an undisclosed 'Loan Transfer ' that seems to have been quietly avoided. And, the reference that nothing else will change may also be incorrect. There is a new loan number and a new loan owner. This seems to have gone well beyond XXXX XXXX ' interpretation and understanding. 

Additional documents provided display credit bureau score impacts during this time that need a new recovery window. Every customer involved in the non-disclosed mortgage transfer has been affected. 

While everyones individual credit is affected differently, the possibility exists that for some, the opportunity during the window of time of the reporting could either allow for applying for more favorable terms on a loan or credit card, or more importantly result in denied credit or unfavorable terms. 

XXXX may have not fully disclosed transfer requirements that detailed all involved as it did include a loan, a new loan number and credit bureau impact. 

XXXX attempted to say a thorough investigation was performed from my initial complaint, however, the response was too rapid as mre detail had been provided. 

An attached document regarding a XXXX Bank credit card has not yet fully recovered from a XXXX point drop.
Consumer complaint received 2021-01-14
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. (NC)

Experian has refused to supply proof of investigation of a fraudulent account XXXX XXXX XXXX, XXXX XXXXXXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Experian on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Experian is required to supply proof and method of their investigation. Experian has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm.Therefore, I'm giving one fine goodwill reach our before suing under section 616 Experian also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Experian has again used another stall tactic in order to circumvent the law. Experian has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

I have contacted XXXX and the binance ticket XXXX  desk. 

I ACH transferred US dollars to this account and purchased XXXX tether with the intention to transfer this money to a working platform ( invest there ). 

Since XXXX  0f XXXX, Binance is barring this account from transfers without explanation. I have written numerous time and have never received a response to my inquiry " Why are transfers from this account being blocked? '' This company has a complaint history of poor service and there are allegations of theft of their customers ' funds.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2020 I inadvertently made a charge to an incorrect merchant on PAYPAL. Since then, PAYPAL customer service is next to nothing. I contacted the person/merchant to get my money back to no avail. I received a response in a foreign language ( XXXX I believe ). Trying to contact PAYPAL now is an exercise in futility. They claim they can't find the charge of {$100.00} yet they paid it.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc (RI)

A company called ABC XXXX XXXX made two recurring charges to my XXXX Credit Card for {$20.00} on XX/XX/20 and XX/XX/20. The credit card company has determined I'm not responsible for these charges ; however, I continue to received automated calls from ABC financial, which identifies itself as their billing company. Their voicemails, received from XXXX, say there is an " extremely urgent '' problem with my billing and to contact them at XXXX. I have never had any affiliation with ABC XXXX XXXX. They continue to harass me.
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

My student loans were I deferment due to my change of address and I was not receiving ANY forms at all from them nor phone calls. I did not know these were on my report until I went to try to buy a car and they told me. I called them set up auto payment for 9 months ; after the nine months were over I contacted them several times about setting up new payment plan. In XX/XX/2019 they told me THEY would send me stuff in the mail to my new lender. I called them AGAIN, multiple people have told me several things, different amounts to pay, different ways to pay, different lenders, etc. XXXX I started making my payments again I may them up until XXXX I believe and we made a call saying we couldn't afford the amount we were paying. They told us they would determine our bills monthly and income and then make our payment schedule, which was a lie. So then we get told someone will contact us again. No one mailed us anything and we were 90 days late once we tried to buy a house and we found that out and they said they were emailing us all the stuff, in which they had the WRONG email address. We have since put it on auto pay, we have disputed and wrote goodwill letters. This is ruining our life. Can you please look into this and see if it can be fixed.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Medical Administrators, Inc (CA)

I know for a fact someone stole my credit card information and I lost over 400 dollars but this was like six months ago. I got the problem solved by getting a new account and a new card with new passwords and now I get this saying I owe them more money
Consumer complaint received 2023-02-13
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. (FL)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : 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 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 In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

ARS account resolution never sent me any notification about this debt, if they did I would have disputed the validity of this debt immediately. ARS account resolution is in violation of the Fair Credit Reporting Act and must remove this from my credit immediately because they have violated the law.