davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (MN)

I am a consumer who was affected by the recent XXXX computer glitch ( computer coding error ) which changed and miscalculated my XXXX credit score between XX/XX/XXXX and XX/XX/XXXX. Before the XXXX computer glitch my XXXX credit score was XXXX, but now my credit score is XXXX because of the XXXX computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my XXXX credit report due to the the XXXX computer coding error : XXXX XXXX, Balance : {$330.00}, FXXXX XXXX XXXX XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

I graduated XX/XX/XXXX with a degree in communications. I have applied to more jobs than I can count and still haven't landed a job. I have been working as a XXXX XXXX XXXX XXXX since moving home in XXXX. My payments with Sallie Mae are now due. My mom and I tried to get me into an income driven payment option since I am only making minimum wage. My payment due is just under {$1400.00} per month, this does not include my FAFSA payment I also will have to start paying in the next couple of months. My mom co-signed for my loan because I couldn't get one if she hadn't. We spent, literally, XXXX XXXX continuous hours on the phone with them Monday XX/XX/XXXX because when we called in XXXX, that's what we were instructed to do to get an income driven payment option, just be told Monday, they don't have an income driven option. The best they could do is defer the payment until XX/XX/XXXX, or put me into a " Graduated payment option '' which is still {$980.00} per month and per the Sallie Mae rep " is not a good option, because we will pay so much more in the end. '' They said between our income we " can afford the payment ''. My mom has a household to run, and since she raised my brother, sister and myself XXXX, my " dad '' has never financially supported us, my my mom has her share of credit card payments each month, her own student loans, her parent pluse loans for me and standard bills. This payment is by itself, rent/mortgage. Sallie Mae replied with, the best we can do is defer the payment until XXXX, but come XX/XX/XXXX, " the payment is due ''. They do not care about their customers, or even try to understand how hard some people have it. I of course, will pay my loans, I borrowed them, but I don't know a single person who can afford {$1400.00} a month for ONE bill, I can't and quite honestly am scared to death how we will get these payments made every month. DO NOT ever take out a Sallie Mae loan, they just don't care.
Consumer complaint received 2019-10-26
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. (CA)

I have accounts on my credit report for Experian that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC. (NY)

Dear CFPB Officer, My name is XXXX XXXX. About three months ago, I started investing my money on stocks through Robinhood XXXX. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX buying scandal '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo Home Mortgage requires an Automated Valuation Model ( AVM ) to remove our monthly PMI payment and requires the homeowner to pay for a new property valuation. The burden of proof for a property valuation reduction should fall to the party assuming this reduction. A current public valuation model assessment places our debt to equity ratio at 56 %. Wells Fargo Home Mortgage position on this matter is unreasonable and predatory.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

ID theft Criminal tried to open a credit account fraudulently in my wife 's name ( XXXX XXXX. Date XX/XX/XXXX. Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX denied the fraudulent credit card application due to our low credit rating ( etc, ) - thankfully! XXXX XXXX XXXXXXXX sent XXXX a letter about the application denial- reference # XXXX- the letter was dated the same date as the fraudulent inquiry to Experian : XX/XX/XXXX ( XX/XX/XXXX ). Experian now has a fraud alert and account freeze ; XXXX also has an account freeze as of today XXXX. XXXX is closed on weekends! XXXX XXXX XXXXXXXX also has a fraud alert as of XXXX XX/XX/XXXX? XXXX. All these companies are researching no results received yet. 

Experian has wrong information on our credit report. While they correctly noted we have only XXXX active credit cards : XXXX - XXXX balance ; XXXX XXXX {$1400.00} ( now {$130000.00} ) which is our actual total debt until yesterday when we bought a XXXX XXXX XXXX from XXXX XXXX ( XXXX, La ) with {$15000.00} down and {$15000.00} financed ( 6 year loan, 5.89 %, $ 299 monthly ) by XXXX XXXX XXXX XXXX. 

The Experian credit reported additional debt of {$4200.00} previous week and now ( last week ) {$8600.00} which is incorrect to our knowledge. We reported this to Experian- they are researching. 

Besides the obvious fact that this is reporting fraudulent debt, Experian does not include in their report where or the whom this debt is coming from- which is bad reporting on their end. They are researching this as well - no solution thus far. 

Please help us with this ID theft ( or direct us to those who can help ) and fraudulent credit report debt information ( and lack thereof ). 

Thank you in advance.
Consumer complaint received 2020-01-26
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-04
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. (TX)

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. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 an 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 2021-08-23
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. (SC)

This is a written notice to ceo XXXX XXXX, concerning the legal fiction Equifax, Equifax Card Services, and Equifax Information Services I as the consumer, the agent and representative of XXXX XXXX am invoking my right of rescission. My information has benefited off of without full disclosure, it has not benefited me and has been dishonorable. I am revoking all signatures, endorsements, and consents there of.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NY)

In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was discharged after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to 2 hospitals. The first hospital as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time I was working for the state of Florida and had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these 2 accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. XXXX never sent me a letter of reinsertion to explain why. I disputed again and XXXX is refusing to remove the accounts off my record. No idea why, as it merely says the information was updated. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
Consumer complaint received 2022-04-30
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. (OK)

I accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (GA)

Calls from 'CBE Group XXXX looking for my ex-husband. I divorced this man over 20 years ago and recently have received calls from 'CBE Group ' looking for him. I have no relationship with him and am not interested in this. phone numbers used today are XXXX XXXX twice XXXX, XXXX, XXXX. This is harassment of an innocent party.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.
Consumer complaint received 2022-04-30
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: Army and Air Force Exchange Service (TX)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United PanAm Financial Corp. (VA)

Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2023-04-04
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. (CT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I am one of two people with the same name who were born in XXXX, Texas a few years apart, and both lived in XXXX XXXX at the same time. From time to time debt collectors contact me ( or my employer ) regarding this person 's bills. This has happened before with XXXX  debt as well. The other person is a XXXX and I'm furious that I now have a collection report on my otherwise pristine credit report. I'm furious that they didn't verify my identity before ruining my credit.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I have repeadly disputed a XXXX XXXX Account with Equifax that is incorrectly reporting. XXXX continues to " verify '' the incorrect dates and Equifax will not use the supporting information I have provided to verify that there was a missed payment in XX/XX/XXXX. 

As verified by both XXXX and XXXX, the XXXX XXXX XXXX was reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Both of those reports will be attached. 

I will further include XXXX XXXX XXXX that list dates and payment amounts. The payments are numbered CLEARLY indicating that payment XXXX was made XX/XX/XXXX and the next payment, number XXXX, was made XXXX. 

Payment XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XXXX *note payment XXXX was on XX/XX/XXXX and payment XXXX was on XX/XX/XXXX ( clearly confirming a missed payment in XXXX, XXXX )
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-08-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (AR)

I have tried several times to have them to send me documents showing that i signed for a loan. The loan i did get I paid it off through XXXX XXXX years ago. Under 5,000 I paid over 12,000 back. Now EAS are saying that I owe them for a loan that I did not receive. Never attended a college again. My credit report showed it as being paid off. AES stated if was paid in full but now it has started all over again saying that i owe them. AES even put on my credit report so im wondering what is really going on. Really stressing my out about this ...
Consumer complaint received 2021-07-02
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. (IN)

After viewing my credit report I found inaccurate information in my credit report, As per the FCRA I have the right to fixed my report because I've found error in there.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mercedes Benz Financial Services (CA)

I have a couple of items on my credit report that need to be looked, there are four to five car companies. That are a hard inquiries on my report and I do not even have a vehicle, my bank account needs to be looked at as well. Over the last couple of months I have moved to several locations and my social security needs to be monitored.