davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WI)

I thought I was consolidating my loans so that I would someday be eligible for forgiveness after 20 plus years of payments. Now they are telling me that I don't qualify. This was my main reason for refinancing with them. The financial consultant for the Nelnet company mislead me into thinking I was all set. I diligently paid with automatic withdrawal looking forward to this being forgiven. Now they are telling me I do not qualify for any forgiveness. I don't even qualify for the CARES Act. I am XXXX years old and have worked as a XXXX and XXXX XXXX for 3 different low-income school districts. I was looking forward to retiring due to health problems and COVID issues. Now I don't know what to do. 
I have called NELNET for help several times and feel like I have been given the run-around. 
I am doing my best to survive this and don't understand what I should do. I hope that you can help me. I understand that there are other people who have been having the same issue with NELNET. 
Care you help me?
Consumer complaint received 2020-06-29
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. (FL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM CREDIT ONE NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with COVID for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (MO)

In regards to a XXXX  small business card I have called to make sure was active. I was told the card could be used at XXXX XXXX, I went in for service and discriminated against. The video can be downloaded for free as a guest at this link - XXXX XXXX XXXX Futhermore the credit card company has provided false advertising in regards to the terms and use of the card.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delta Outsource Group, Inc. (CA)

A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

My mom and I had the same name for several years until she got married in 2013 where her name is now XXXX XXXX XXXX XXXX And I am XXXX XXXX. We live at two separate addresses. Pressler and pressler has been harassing me on a debt in my mom 's name this debt is from when she was still XXXX XXXX but I have always been and am still XXXX XXXX the short end of things is my mom owes the debt and because she used to live at my address for a few months because she almost died and had no where to go I let her stay with me. My mom is on social security and does not work. I work multiple jobs and they have garnished my bank account/checks. 
I paid one of the debts using my credit card for the amount of {$630.00} they had no right to go into my personal checking account I have informed them of her current address and the writ was remade with her address but still has it under XXXX XXXX so now my bank account was levied {$590.00} and {$120.00} in addition to what I said I would pay I arranged to pay {$150.00} every month on my credit card until the other debt of {$1500.00} something is paid. I do not want them harassing me or my mom and I definitely don't want them in my bank account. I would also like my money returned and feel like both I and my mother should be able to sue them for emotional distress and loses of wages as well as incorrect identity. Plus this debt was over 15 years old and the court renewed it makes no sense I want justice.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

MACY 's has reported a result of miscommunication as failures to make payments : I recently returned from a three-year XXXX   XXXX  in a remote area in XXXX and discovered that MACY 'S has reported two late payments to the credit bureaus ( XXXX XXXX, and XXXX ) despite the circumstances surrounding what I consider to be a miscommunication. I had just opened the MACY 's credit card account in the summer of 2017 and was still awaiting the very first invoices through the mail when I departed in early XX/XX/2017 for an overseas military XXXX. I later received all of my late mails as it's usually the case for military personnel XXXX in remote locations and MACY 's invoices were among them. I immediately made the payments and called the customer service a MACY 's to explain the situation. Despite their reassurance, MACY 's still reported the late payments and they have been affecting my credit negatively until now when I discovered the entries when reviewing my XXXX credit report.
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

in 2013 BOA sent us this notice : 1 ) They sold our mortgage to, and they obtained payment from FHA.2 ) FHA sold our loan to XXXX 3 ) as a result, our loan was transferred to XXXX . Now BOA is pushing hard to take our house and auction it. How can BOA sale our house if XXXX currently owns the loan? Should n't they help us keep our house? Of course greed always take over compassion ...
Consumer complaint received 2021-09-01
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. (TX)

There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Malen & Associates, p.c. (NY)

I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the VA Hospital and would not have a medical bill. I disputed this through a credit bureau and Wakefield & Associates changed the originator. I disputed the collection again through the credit bureau and Wakefield & Assc. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX  XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Consumer complaint received 2018-02-02
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: EQUIFAX, INC. (LA)

Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-21
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: JPMORGAN CHASE & CO. (NY)

Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

This year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 
every year, i call and get the ecrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested. 
3. i have to find errors and request every year to revise the escrow analysis
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report the account late after being paid off.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
Consumer complaint received 2018-02-02
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: SYNCHRONY FINANCIAL (FL)

There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well
Consumer complaint received 2024-05-15
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

I had ordered a jacket from XXXX off XXXX, the jacket showed delivered but I never received the product, so I ordered an exact replica and reached out to the merchant, who declined the refund, I reached out to the merchant multiple times and they would not refund without giving any explanation. So I reached out to my credit card Goldman Sachs apple card and they started an investigation but soon came back and without giving any evidence told me that its denied, since then I have disputed this amount 4 times and today it came back again. Furthermore there is a {$960.00} charge on the card which I absolutely did not make and Apple card has zero information on that transaction, whether what the product was where was it purchased and where is the receipt in my apple account? no answers to that just declining the dispute again and again. I am at my wits end with spending several days trying to get this resolved. Finally I am asking the government to help please.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.
Consumer complaint received 2021-09-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC (TN)

A company by name of XXXX  repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. 
And that a claim was in process of being filed in county I live in. 
I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. 
I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. 
The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.