davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (AZ)

A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.
Consumer complaint received 2017-08-26
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. (FL)

all are being reported on XXXX, transunion and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX IXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX & XXXX Inquiry from XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I had made a purchase on XXXX. I need to file a dispute to this transaction because the seller posted a miss leading description of the item. Ive been trying to contact PayPal all weekend and still have not spoken to a single person yet. Theyre managing and controlling my money yet they make themselves inaccessible? How could you allow this to happen? PayPal is handling billions of dollars of other peoples money but they wont provide customer service. I contacted PayPal via telephone yesterday several times and each time it disconnected me and told me that a telephone agent was not available and to go through chat. I tried to chat feature. I sent my message they responded back many hours later. Obviously Im not gon na sit glued to my computer all day because PayPal wants to take advantage of its customers and not provide telephone support. I saw their response an hour after they made their comment and replied back. About 18 hours later I get my next response from PayPal. How the XXXX are they allowed to control my money without being regulated and they set the rules? How are they not forced by laws and regulations to provide telephone or face-to-face customer service even during COVID-19? Ill tell you exactly what PayPal is thinking The more difficult they make it for us to contact them when we have a problem means PayPal has to release if you were funds back to customers and doesnt get to keep as much for their own wallets. How can you allow this to happen?
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX / XXXX /2017 Set up an account with Experian 's protectmyid.com. Saw that the current employer information on my report is ten years out of date. Tried to use Experian 's Dispute Online function but after filling out the form was taken to a page saying " We were unable to honor your request '' with no further recourse except for mailing a letter to them.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

all are being reported on experian, XXXX  and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

I was an account holder with Self Financial and had a secured credit card with a {$600.00} limit. I made on time payments each month. I decided to pay the card off with its remaining amount of {$500.00} on XX/XX/2022 and I closed the account on that same day. My credit report is still showing that the account is open and active. I disputed this using XXXX XXXX but was told that the company disagreed with my dispute. I have then re-disputed this using the XXXX website and have provided them supporting documents as well.
Consumer complaint received 2021-03-04
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. (NJ)

My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.
Consumer complaint received 2017-08-25
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: VW Credit, Inc (NC)

SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED
Consumer complaint received 2024-05-17
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Money Management International, Inc. (VA)

XXXX of 2023, I signed up for a credit repair/ consideration company 1 month after completing the paperwork with agreement 's, payments would be dispatched every two weeks to debt companies. my accounts were transferred to another company, without any knowledge and payments were only dispatched once a month. Second disconnection within the two companies cause change of withdrawing for payment to credit repair/ consolidation company cause payment for 2 consecutive months missed. Reported negligence for debt companies..
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

My previous complaint included the following statement " In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a female. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated. '' They claimed that they sent me an affidavit, which I never received. They have not even attempted to contact me in any other way. My credit continues to get hit and lower from these late payments. I need a resolution. THIS IS NOT MY DEBT
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 I mailed a letter requesting proof of inaccurate accounts that were claimed to be verified by this company. It has been almost 2 months and I still haven't received a response. The fcra gives 15 days for the requested info to be provided to me.
Consumer complaint received 2015-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gordon, Aylworth & Tami, P.C. (AZ)

XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX
Consumer complaint received 2017-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (CO)

I currently have a second mortgage on my home that I have lived in for 17 years. XXXX PNC bank as far as I know still has my second mortgage that I currently pay on. 
I never receive any documentation from these people, no statements, I have no idea what I owe etc ... or if I 'm even in good standing. About a year ago I was going to refinance and noticed that they appeared on my credit report under bankruptcy, I called and left several message received no phone call back. I did not send in payment for a couple months in hopes this would prompt someone to call me back, instead they put me in pre forclosure over XXXX dollars which I then paid in full, since then not one source of documentation or communication. now I am going to attempt to refinance and they do n't even appear on my credit report at all.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.
Consumer complaint received 2017-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc. (UT)

I do not have confidence in the National Consumer Telecom & Utilities Exchange aka NCTUE to deliver what I am requesting if I go directly to them. I have heard enough from other consumers that had problems getting their file disclosures on their own and always having to involve the CFPB. So, I am utilizing the CFPB to help me obtain my full file disclosure from the NCTUE so I can make sure the info on my file is correct.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

on XX/XX/XXXX someone hacked my phone sim card and email address and was trying to reset my log in information with coinbase. I was able to catch this in time and block any transactions and changed my email and phone on the account. Coinbase suggested i immediately disable my account which I did. Till today I am trying to recover my account that has my own money and i have no response from coinbase at all. The initial tickets i submitted has a auto reply that it will be fixed in 4-5 business days. After couple weeks passed i lodged a compliant and the auto reply said i will hear back in 15 business days and if they can not resolve someone will contact me to ask for extension. That deadline has already passed and no response. I am very frustrated as my money is tied up in the account which i can not access. I hope you can help. This company is not helpful at all. I wonder how they can go public without any customer support. 
Thank you
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

Chase closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous
Consumer complaint received 2020-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (KS)

When I terminated my service with XXXX XXXX XXXX XXXX in late 2019, I was told that the final bill would be XXXX XXXX and XXXX something dollars for early disconnect and the rep was going to notate the account that I would be disputing the amount because I was mislead at the beginning of the contract. I called prior to the beginning of the next months service as well, so there should have been no additional monthly service fees. When I called back to provide my mailing address and request a box to return their equipment ( I advised her service was for a second home with no mailbox ), she said it was not necessary and to just drop the equipment off at a local XXXX XXXX location. My neighbor of the location I had the service at called me and said there was a return box from XXXX XXXX XXXX XXXX on my porch. Of course this is after I had already explained we did not live there or have a mailbox. I have received no communication since then. I have another account with XXXX XXXX XXXX for our primary residence, so they have my mailing address. I have received no collection letter nor was I given an opportunity to dispute the debt at any time.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dispute was sent to Portfolio and a request for proof of debt. Portfolio sent a statements from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$2400.00}. 

These bills are not valid because they don't have the correct address and there were no charges showing on the bills to show how the account came to a total of {$2400.00}. 

The name was changed within that time due to identity theft and address was not address at the time of total balance. 

Account balance had been disputed with creditor several times due to bankruptcy and about owed at bankruptcy. 

Identity theft and FTC reports were submitted to all creditor. 

I'm requesting proof of charges from the account number in question ( XXXX ) showing charges to total {$2400.00}