davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AES/PHEAA (PA)

I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust   has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name
Consumer complaint received 2020-02-10
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-04-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX I send a letter Certified mail to Department of Education/Nelnet and received mail on XX/XX/XXXX. Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. Department of Education/Nelnet have not accept my request. I asking does Department of Education/Nelnet have the original copy of the promise note that claim I sign?
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

Hi I have an issue with BB & t I tried to apply for a car online I was trying to get a secure credit card because I need to build credit up by saying that I have to be XXXX or for a secure credit card that is not true there's kids XXXX who has a secure credit card but my bank says that I have to put a minimum deposit down of XXXX dollars but I contact that customer service and they're saying that's not accurate that I can do it without putting it down payment down I try to apply for what they said but they're saying that I have to go in person but if I do that I'm going to get the same result and I really need a answer I really don't know I'm trying to build credit and I'm only XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TN)

I have never given Experian any authorization to contact me, much less created an account with them. Yet Experian has sent me harassing and misleading marketing emails 11 times between XX/XX/XXXX and XX/XX/XXXX. They say things like, " There's an issue with your account, '' or, " Alert : Change to your credit file detected. '' It always turns out that there's nothing wrong with my credit ( my score averages around XXXX ) ; it's just a scam that they use to introduce me to new financial products. 

These are all ploys to get me use their services. Emails to them asking them to stop do not work. There is no unsubscribe option in these emails to begin with. Their website does not provide an email method of contact. Using the phone options, they stick in you in an endless loop of collecting your information without letting you talk to anyone, and then hanging up on you. It's impossible to speak to a human being.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MO)

On XX/XX/XXXX, Coinbase locked my account without any reason or notice. I have been contacting them daily regarding unlocking it and have not received any correspondence beyond " Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' I have not been able to log into my account, sell/trade, or perform any actions. I have tried contacting on XXXX and XXXX and have only found more people complaining of the same issues. Some of this people ( especially in the XXXX group Coinbase ) are saying they have been locked out of their account for months without reason.
Consumer complaint received 2019-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (MI)

I leased a car from XXXX XXXX in XXXX and was financed through GM Financial for 3 years. I received a letter from GM saying I could end my lease early at the beginning of XXXX. I then purchased my car on XX/XX/XXXX. I wanted to stay with the same people who handled the lease for me, but they had moved to XXXX XXXX in XXXX. I asked them to handle the purchase for me and they put the loan through XXXX XXXX XXXX. I received a letter from GM Financial saying my lease loan is paid in full. The letter is dated XX/XX/XXXX. I received a balance sheet showing the check was applied on XX/XX/XXXX and I owe {$0.00}. I have a car Title in my new lenders name and I have a letter from XXXX thanking me for purchasing my car. GM Financial is putting on my credit report I owe {$2500.00}. I have spoken with XXXX XXXX who put the purchase through, XXXX XXXX, the GM of the Dealership, several people at GM Financial and an assistant to the VP of GM Financial, XXXX XXXX and she told me she would take care of it. As of XX/XX/XXXX I am still getting hits on my credit report and this has been going on since XX/XX/XXXX. I don't understand the way I have been treated. I am the customer and GM Financial acknowledges they made a mistake. Instead of taking care of this for me like I was told they would, I have been talked to horribly. I have been talked down to, my credit has been damaged, it has dropped over a 100 points and I have been lied to over and over again and for no reason. I never thought a company like GM Financial would treat a customer like this. They acknowledge the mistake, but so far have not fixed it. This has been going on since the first week of XXXX and I feel I have been more than patient. I would like this problem to be resolved, because it is damaging my reputation. XXXX XXXX told me it could take the credit companies a month or so to report the correction on their end, but GM Financial has not even stopped reporting the false accusations that I owe them money, because I received another credit alert on XX/XX/XXXX saying GM Financial put it on my report that I owe {$2500.00}. I was told from the GM at XXXX that I would be receiving a letter from XXXX XXXX saying it was taken care of. I haven't. The last time I spoke with her she said she may have forgotten to sign off on it, but she would. So far, she hasn't or GM wouldn't keep posting it to the Credit Bureaus. Please help me to get this error corrected. It is damaging my life. I don't understand this, I am the customer and all I did was purchase my car. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent letters to XXXX and Experian, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WY)

Dear Sirs or madam I have obtained my report, this account COMENITYBANK/VICTORIASSECRET XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s ) This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this.

The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this.

The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX
Consumer complaint received 2023-03-22
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: Sequium Asset Solutions, LLC (FL)

On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I have been in touch with more than 1 month finally their executive assured me after submitting affidavits I will get my funds back it was on recorded line as of XX/XX/2022 but yesterday again they humiliated and refused to honor their on words Im feeling helpless
Consumer complaint received 2021-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

On XX/XX/2020 i paid off my XXXX XXXX loan. I received the escrow for the loan. In the contract written by money lion it says i will be able to cancel my membership after paying off the loan. Money lion has prevented me from canceling my membership. Not only has money lion prevented me from canceling my membership i have been charged a weekly membership fee and fraudulent reports have been filed on my credit report. I submitted documents showing i paid off the loan in XX/XX/2020 but every time i call the customer service number they tell me to wait longer. it has been well over a month.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo ( XXXX ) in XX/XX/XXXX informing them I would pay my own California Supplemental taxes. I informed them I did not want XXXX to pay them because it would cause a shortage in my escrow account. They then instructed me that it would not cause a shortage and that they would pay it with my escrow funds. In XX/XX/XXXX it did indeed cause a large shortage just as I predicted to them and it was the exact amount of my taxes I intended to pay in XXXX. {$1900.00}. Then my mortgage would increase to help pay these the following year even though I proved to them California only charges these in the first year of homeownership. I called them the same day I received their new bill and told them this should not have happened because I was told by their own service team it would not occur. They told me they would fix it and my mortgage would return to my normal amount which was {$300.00} less than what they were trying to charge. Then a week later and they send a new bill which was {$500.00} higher than my original bill. I called again and now months have gone by without any real response. Just responses saying they are working on it. I paid my new XXXX bill that they pulled a number from thin air and now my XXXX bill is even higher than my XXXX bill that they said would be lowered. I have talked to numerous people and none of them can figure out how my bill is calculated. They come up with numbers then ask me to come up with a bill that I think I should pay. I never realized a bank could be so inept at figuring out a fixed mortgage bill.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: APEX Asset Management, LLC (DE)

THERE IS A XXXX XXXX XXXX WHO IS REPRESENTING THE ORIGINAL CREDITOR XXXX XXXX  THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS XXXX XXXX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN APEX ASSET MANAGEMENT ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....
Consumer complaint received 2021-02-16
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. (MD)

In XXXX I had a dispute with XXXX XXXX over a loan that was already paid off. The loan was charged off and XXXX XXXX received the payment. No report was listed on my credit after XX/XX/XXXX until it appeared again on XX/XX/XXXX. I contacted XXXX XXXX and they said they did not have information on the loan ; that I would have to deal with Equifax. There was no information on my credit file after the property was sold and while XXXX XXXX said they charged it off, they were paid for the loan in XXXX. Equifax and XXXX  reported the XXXX  balance until Equifax on the XXXX of XXXX started showing the account again. When I tried to contact them they did not respond. XXXX XXXX said I had to deal with Equifax but it is like they are playing ping pong with me and again working to ruin my credit.
Consumer complaint received 2019-07-03
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 WANT TO FIX THIS SOLUTION OF ME BEING A VICTIM OF IDENTIFY THEFT I CANT UNDERSTAND THE SYSTEM IN FLORIDA IN HOW THE GOVERNMENT IS ALLOWING THESE THIEVES TO STEAL PEOPLE IDENTITY AND ALL ITS DOING IS DESTROYING ARE LIVES. I REFUSE TO BE A VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a deferred payment Was advised if i didnt receive before XX/XX/year> to contact them.Didnt receive till XX/XX/year> and now I have a hit to my credit saying I missed a payment.Never was I told this would happen and asked if it would happen.I was stated it was in the system, I just had to sign documents and send back.This is the second time Im going through this.First time I made a payment in person at citizen bank and it was still reported late.I am trying to buy out a lease on another loan and now I cant because it looks like I missed payments on my loan/credit.This company needs to be reconstructed. I have never had an issue with any other loan company before.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MO)

I called my mortgage company, Freedom Mortgage, to find out what the pay off was on my home because we are selling it and purchasing a new home. They told me that is would cost me {$30.00} and it would be 72 hours before I would receive that information. They stated the fee would be added on to the final balance of the pay off on the loan. I feel that this fee is unacceptable and they are keeping my information hostage for a fee. There is not an early pay off penalty. This is my information and I do not feel they should be able to withhold it for a fee of any kind.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

Back in XXXX of XXXX, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX XXXX and AMEX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of XXXX, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (ID)

Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (ID)

EOS CCA XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details ast Reported XXXX XXXXXXXX, XXXX Collection Agency EOS CCA Original Creditor XXXX XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date Responsibility Individual Balance {$0.00} High Balance {$290.00} Remarks Account information disputed by consumer, meets FCRA requirements I paid in full and was told by collector they would erase it off of my report. Instead they put the included remarks.