davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OK)

Chime closed my account because they said I violated there rules. I did nothing wrong. I think because I got my tax return so they think its fraudulent. I spent the money right away on XXXX but the product never came so I asked for a refund and it was supposed to be here in 3-5 business days. I am guessing it has something to do with that. I cant live without that money. I need help please. 

Best regards, XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (FL)

Has contacted company to inform them debt has been paid and in progress of being disputed with Navient and borrowers Defense to be discharged. Nelnet has not taken any action to allow me to send in document and currently charging me incorrect charges towards my account. I do not owe debt Nelnet is claiming I owe and company is allowing me to continue to be charged and interest accruing.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

An error was made in the escrow analysis by Flagstar Bank that has resulted in Flagstar Bank charging me nearly {$2000.00} extra per month, unnecessarily. I have provided documentation from my town 's tax collector confirming the correct tax liability for the escrow analysis, and Flagstar Bank has ignored me. They have not responded to my request for a new escrow analysis and persist, now for the 5th month straight, in over- billing me by nearly {$2000.00} a month. I have sent numerous emails and made several futile phone calls, suffering through their phone system like a rat in a lab experiment. Please help.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

I have received a letter from Conrad Credit corporation claiming that I have a debt of {$2900.00} owed to XXXX XXXX and consulting. I have never heard of either one of these companies and have never in my life been associated with them so I know for a fact that I do not owe this kind of debt to them. I have never been in business with them or never owed this type of amount to anyone before.
Consumer complaint received 2021-07-22
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 have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TN)

Recently received trial period plan agreement from my mortgage company Prime Lending. I've made the trial payments that were due. I received in the mail a property foreclosure sale for my property set for XX/XX/2019.  I've been paying the trial payments that have been required of me. I don't want to lose my home to foreclosure. 

Please help
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

Fed Loan improperly denied my PSLF using wrong or inaccurate applicaiton criteria. I submitted on more than one occassion my employment verification, they did not apply my prior payments in all plans as set forth by the Department of Education. I have followed all of the steps set forth by the Derpartment of Education established in XX/XX/XXXX, under the temporary waiver for PSLF. They do not communicate with me, despite emails and phone calls. I am submitting an appeal that will likely be disregarded. Per the temporary waiver criteria I have calculated I have made at least 101 payments towards the required 120. I demand credit towards the PSLF. I want an immeidate correction to the applicaiton I submitted on XX/XX/XXXX.
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NJ)

I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates (CA)

To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections. 
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately. 
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX  was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.
Consumer complaint received 2018-05-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-06
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. (VA)

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 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been a capital one card holder for 20 years! They closed my account with no know warning to me due to inactivity. I was Unaware this was possible. It has drastically affected my credit score due to longest standing credit line and available credit. This was my emergency card that I kept For all obvious reasons. I tried To call and spoke with two people in which they expressed their empathy. Empathy will not adjust the damage to my immediate credit score and available emergency funds! I have Another card with them and am now inclined to transfer my balance and leave completely as it was 3 days ago they closed it and I called As soon as I was Aware. There has to be a certain window of grace. Very disappointing!
Consumer complaint received 2019-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

We applied for a loan modification in XX/XX/2018 after nine months we received paperwork to set up autopay, during this process we were told we did NOT have to make the old payment, we could wait until the modification amount was set. Two days ago we were mortified to see the payment had gone up, and the interest rate had increased one full point. My husband refuses to sign to the terms and now we have been made aware the payments not made will be reported to the credit bureau, but the old payment and interest rate will be restored if we refuse to sign the modification How can they realistically think anyone would apply for a modification to have the payments and interest rate go UP. Is there anybody that can help with this, or anywhere we can be directed to go for help. This should be a class action suit.
Consumer complaint received 2019-07-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (KS)

They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.
Consumer complaint received 2019-07-18
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. (FL)

Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.
Consumer complaint received 2021-07-22
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. (CA)

My consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter XXXX. 

Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter XXXX.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

The debt was settled for a pay for delete and I would appreciate a pay for delete goodwill adjustment to completely remove the debt for Ad Astra. 


As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 

Please forward your agreement to the address listed below. I would appreciate it if we could work together.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, I received an alert on my phone from Bank of America that my account was overdrawn. I looked and noticed that there was a double payment to XXXX. I called XXXX first and stated there was a double payment. They stated they only had the one payment I put on my debit card a week prior. I called BOA to file a claim.I received a temporary refund of the amount plus they refunded the overdraft fee. The man stated he could see there was 2 identical charges in the amount of {$170.00} a week apart. This was an issue that XXXX did not tell me about, but they had only received the XXXX payment. We filed the claim, and the representative stated he was going to email the documents to download, sign and email back. I never received them. A week later I received the documents with no real information in the paper I was to submit. I ended up checking the box that referred to my situation, signed the bottom, and mailed it back in with the main page with had my account number and the total to be refunded. Two weeks later, I once again received the same documentation, I did the same exact thing. On XX/XX/XXXX, I received another alert that my account was overdrawn in the amount of XXXX. They had gone in and took the money out again. I called BOA, and they began arguing with me telling me that I did not send the paperwork back in. I ended up going to the local branch, they printed out the paperwork, I signed it, which it did not look anything like the papers they sent me. They told me that it would be back in my account in 3-5 days. It is now been 1 day shy of a month, they are still giving me the run around. I have had some of their representatives call me a liar, and they are rude. All I want is my money back. They have given me now 4 different time frames in which I should have my money back. They are saying XXXX has it, XXXX says they do not. I have been a customer of BOA for 9 years now. I feel they need to better serve their customers. They are now telling me that if they money can not be found, I may lose my money. I am a single parent with a special needs son, I have to count for every penny I make. I work hard, and BOA either does not care about their customers or they are thieves and do not know what happened to my money I have now fallen behind on several bills because they are playing around with other peoples money. Now I fear they are going to close my account before I can get all my information for my sons SSI switched over. I have read many complaints and I am seeing that they are closing peoples accounts when they become too " Irrational ''. I also see that someone went in and changed my monthly statement so it does not reflect the 2 charges that were taken out. I prefer paperless so if they chose to go in and change things they can and do.
Consumer complaint received 2019-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I thought I lost my device so I asked coinbase to temporarily lock my account I found it so I called them back a few hours later to unlock it now they wont answer my emails I cant get threw on the phone anymore its been 3 weeks please help me I have my life savings on there this isnt fair they just ignore me
Consumer complaint received 2018-05-18
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: JPMORGAN CHASE & CO. (LA)

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Chase - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!