davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

My problem is with Equifax. They refuse to talk to me, but one month ago, in XXXX of XXXX I had my free annual credit report from Equifax which shows no judgments on my record. Today I was notified by the manager of an apartment building I was anticipating moving into that there is a judgment against me on my Equifax credit report. Today is XXXX XXXX, XXXX. The manager stated it was with XXXX XXXX XXXX in New Mexico. 

Sometime in XXXX or XXXX, there had been a judgment placed against me by XXXX XXXX in XXXX County, New Mexico. The judgment was placed in error, it should have been placed against the owner of the mobile home. When XXXX XXXX perceived their error, they removed the judgment, less than one month later. Today, after speaking with the apt manager, I contacted XXXX County Records and they confirmed there is no judgment standing against me. 

I then called Equifax, and answered all their identity questions. There were very detailed questions about my credit, but since I had my recent credit report in front of me, I read them the details off their own credit report. They told me the informative I gave did not match their records, and that they could not speak with me. 

I then tried to place a dispute online with Equifax. I answered their security questions and was again told the information did not match. 

They did ask me about " Do you have this or that credit card '' and since I have no credit cards, I said no to all. They asked if I had a mortgage or car loan, and I don't, so I said no. They asked about my student loan, I said yes, and gave the provider. My name, address, age and social security number haven't changed. But after being on the phone for over two hours talking with multiple people and constantly being told I am not me, and then having the computer tell me I am not me, how am I ever going to get them to correct this problem? They won't talk to me! They must have incorrect information, but I am at a loss. I was reading to them off my credit report issued by them which was only one month old. 

Bottom line is, I am living in a city where the weather stays below zero for several months a year, and the place I am living in had the heating system go out. Space heaters are vastly inadequate. I have to move, or risk illness or even death. But I can't move because they are giving potential new landlords incorrect information. And I can't get it corrected because they won't talk to me. 

This problem has a very sensitive time line on it. They won't hold the apartment for me indefinitely. 

Please help.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I am attempting to log in to their website to retrieve my tax documents for the year XXXX. The website and their XXXX app has been offline since XX/XX/XXXX according to them. I attempted to contact customer service but their phone number is out of service. I am also unable to log in which means I will not be able to pay the loan if the website shutdown continues. I attempted contact through their official XXXX webpage and was informed they are having technical difficulties but had no further information on this matter. I will be unable to submit accurate tax information for the year XXXX due to how they are handling their technical difficulties. According to them, there website and methods of contact have been shut down for 1 week as of XX/XX/XXXX. They are currently not helping or assisting their customers who have no choice but to use them due to how the Department of Education is contracting with them. 

Contact between their XXXX Page representative and myself : XXXX XXXX How long is the scheduled maintenance scheduled for? I can not find any information and need my tax documentation.. Doesn't look like this information has been posted anywhere. 
XXXX XXXX  Hi ******, sorry for the frustration. Our tech team is currently working to have this resolved as soon as possible. Are you able to provide your user name for further trouble shooting? 
XXXX XXXX  My username is ****** XXXX XXXX Great. Thanks so much for this info ****** and we will try to resolve this as quickly as possible. 
Thank you Link to the XXXX Page : https : XXXX Link to XXXX : XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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: SUNTRUST BANKS, INC. (NV)

I signed up with XXXX XXXX aka XXXX XXXX to bid on a XXXX XXXX XXXX, they charged me a deposit for bidding on the vehicle of {$900.00} enabling a maximum bid limit of {$9000.00}. 

Enclosed are bidders IPs etc XXXX XXXX XXXX and XXXX repeated bid my bidder account past all other legitimate bids of {$7000.00} up to may max allowed limit of {$9000.00}, No other bidders than my bid via XXXX XXXX XXXX the Vehicle up It bid up my own bids fraudulently. 

I tried to resolve this with XXXX and XXXX to reduce the price to the proper last legitimate bid of {$7000.00} but they refused. 

I refused to honor the shill fraud bid with Fees from XXXX and XXXX added up to {$10000.00} they are theives XXXX XXXX then kept my deposit of {$900.00} for a relist Fee for Car I filed a dispute with my bank Suntrust and they declined the dispute This was fraud I should be protected from fraud via the terms of my Visa account I have fraud Fraud theft Complaints on XXXX and XXXX with various law enforcement agencies FTC, FBI, Stage AGs and Florida Auto Dealer License
Consumer complaint received 2019-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

This is the second complaint about Navient from me. 
Why was the balance of the loan that has been transferred from the previous owners of it so high? Why is the interest still on the full amount of the loan that was taken out in XXXX? that was {$13000.00}. 
I paid over {$8800.00} in XXXX the {$2300.00} in XXXX and {$1700.00} in XXXX. 
not counting what I paid from XXXX to XXXX.it has changed hands four times. 
AND this is my sons loan.. Not mine..
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc. (MD)

I have an account with mercury that provided me XXXX checking account via XXXX XXXX XXXX 

On XXXX they closed my account all of a sudden and told me that my funds are being retained by mercury and since them Im not being able to contact them via email not calls. 

I want to ask if my account is closed, how can I get the funds transferred to another bank. 

I have got absolutely no response yet from them which indicates criminal level negligence. 

My mercury bank account email is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank will be the next bank that is illegally triple-charging overdraft fees when they can not explain why the fees were assessed with to begin with. I have had an account for Fifth Third Bank since 2016 and I never had an issue with them until the last year -- when I noticed they have been charging customers for overdraft fees. I experienced this over the weekend, monitored my account everyday -- and woke up this morning to {$110.00} as one charge -- of overdraft fees and no one could explain it to me that would make it make sense -- when I was depositing money every single day and it never showed me my account balance was in a negative. Not only that -- they held the charge for 4 days -- and posted the charge on the day my account was low. Even then, with their policy -- that states that as long as the funds are deposited by XXXX the next day, I will NOT receive an overdraft fee -- and yet, I will still charged. This has happened to many customers, and enough is enough already. Legally, this is unacceptable and I'm sure there were many other customers that experienced the same exact thing as I did today. Think about, if you can scam at least XXXX for {$110.00} in overdraft charges -- that's a total of {$330000.00} total they just recovered and will do nothing -- absolutely nothing -- to waive those fees for their customers. Please investigate -- these banks are getting out of control with these overdraft fees and we feel as if we have no other choice but to deal with it because these banks refuse to work with us giving us the answers we need.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I saw Rocket Mortgage commercials that show it's all online. I submitted an app expecting rates, but you have to talk to someone in AZ first before getting rates. That information was never given to me before finishing the submission when I gave them the property location online. As soon as I got a notice on the landing page, where I was expecting to get available rates, to call someone I did. I got someone in California who had no idea why I was transferred there and said I would need to talk to someone in AZ. I then immediately got back online and used their web chat to talk to a rep. I repeatedly told them I do not want my credit pulled since their service was misleading and not really an online service. I repeatedly kept telling him I also no longer wanted to use their services and that I felt misled. Then I got an alert today that my credit was pulled two days ago anyway. I also asked for a copy of the online chat when I called today and they said I couldn't get a copy
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OK)

Dear CFPB, I want to report the moneygram service for deleting my account without any reason given to me. Ive been a loyal customer for 5 years now and I believe as of XX/XX/XXXXof 2019, My Moneygram account was terminated for no reason given and not even a single email or letter to notify me. I emailed customer service about this issue of my account being terminated and they said because of security reasons they can not tell me and my account being closed. I called on XX/XX/2019, and asked them if this is a temporary or permanent ban and they said it is permanent and I have to use another money service. I have family in another country whom I am very close with and know very well and even visited them during my vacations. I love to help my family who are in need because I know how poor their country is. I have broken no law, all I did was help my family who is suffering from poverty in another country who makes no more than a XXXX dollars a month not weeks a month! My reason for choosing this money service is because not all countries have XXXX XXXX or just too far out from my families village in XXXX and Moneygram is the closes to my families village in XXXX.
Consumer complaint received 2020-12-18
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. (CA)

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX, XXXX and Equifax on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX Exquifax - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX, I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) Equifax : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XXXX of each month ( Ref. C ) XXXX - Debited my account on XXXX, XXXX - I was not 30 days late ( Ref. G ) XXXX - Debited my account on XXXX XXXX, XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XXXX XXXX, XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XXXX - Debited my account on XXXX. XXXX, XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX XXXX XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX XXXX XXXX {$12000.00} Equifax XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : XXXX- XX/XX/XXXX XXXX XX/XX/XXXX EQ- XX/XX/XXXX The inability for XXXX XXXXXXXX XXXX to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Consumer complaint received 2019-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

The month of XXXX and XX/XX/2017 it has reported that i was 30 days late on my payment. I did not have a late payment. XXXX XXXX XXXX is the credit card company.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IA)

Hello, I received a bill from Chase Sapphire I tried to reach customer service at the number on the back of the card and the statement the number was XXXX. 

On the call they said they had a special promotional offer today and it transferred me to a XXXX who said she had a free medical device offer. I told her I was looking for chase. 

When I asked her to transfer me to Chase multiple times she did not and continued on with a marketing spiel. 

I called back twice to try to connect with Chase and pay my balance and was not allowed to. I do not know how to pay my statement over the phone because they will not can check connect me to the Chase. 

Please help me rectify so I can pay my balance and opt of out of future marketing promotions.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IL)

I have been disputing this account information with Self and XXXX XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to Self Inc and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from XXXX XXXX XXXX today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Consumer complaint received 2019-06-18
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I recently became aware of an eviction on my consumer report, which is the result of fraudulent activity. I have never been involved in any eviction proceedings, nor have I ever lived at this address. I have supporting documentation from relevant authorities that prove the discrepancy is in the process of being removed, which I can provide at your request. I want to clarify that this is an isolated incident and does not reflect my character or financial responsibility. The issue is currently being rectified, and I have taken all necessary steps to ensure its resolution. I am a victim of identity theft or fraud and have taken appropriate actions by reporting the incident to the authorities and providing supporting documentation. I kindly request your intervention in removing this fraudulent record. Your understanding and assistance in this matter would be greatly appreciated.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX,
Consumer complaint received 2020-09-24
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. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2023-04-01
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. (SC)

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, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CO)

XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (SC)

I applied for a car loan and was denied due to a score of XXXX with XXXX XXXX but XXXX with XXXX ... .also they reported serious delinquency when I don't have any.
Consumer complaint received 2020-06-07
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: Nelnet, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (SC)

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.