davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C. (WA)

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX on behalf of Gordon, Aylworth, & Tami PC. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX  XXXX card in XXXX. I'm told that I was sued by XXXX  XXXX and I live in XXXX  now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My wife called Mr. Cooper, our mortgage company, several months back, during the height of COVID, I believe to set up automatic payments, but while on the phone they sold her on the idea of accepting their Forbearance plan. They sold it as something they were offering their clients to help during this financial crisis during COVID. An opportunity to skip several payments and then make those payments after the original life of the mortgage at no additional cost throughout the life of the loan, a deferment. Now the forbearance period is over, they are harassing us and trying to intimidate us into signing a loan adjustment, that would potentially add $ XXXX to the life of the loan. When I search for Mr. Cooper 's Forbearance plan online, I find the following : https : XXXX It claims there are four possible methods of repayment. The deferral that was sold to my wife, and three other methods not mentioned to my wife including the aforementioned loan modification, a reinstatement ( pay all missed payments up front ), or a repayment plan ( pay missed payments over several months ). 
They are calling me several times everyday trying to get me to sign this loan modification, costing us an additional ~ $ XXXX, or the reinstatement. They will not honor the deferral option promised to my wife.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. BOA is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

BOA is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with BOA since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I received XXXX emails today from XXXX LVNV Funding regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXXXXXX XXXX. 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Consumer complaint received 2018-03-05
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: DISCOVER BANK (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Discover Bank ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Discover Bank is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX I informed Chase ( and continued to inform the bank ) of my identity theft, which directly affected the accounts I had with the bank. XX/XX/XXXX the bank charged off and closed my account and reported the negative account error to the credit bureaus due to my account allegedly being overdrawn. I disputed the error and Chase has acknowledged its system error and I am due about {$180.00}, but the bank sent the check to the wrong address. It's been more than 30 days and the bank still has not voided the check sent to the wrong address and reissued my funds to the correct address. But, the bank has sent a {$15.00} check to the correct address due to another miscalculation error.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (TN)

After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (KY)

I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A. (VA)

Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Consumer complaint received 2021-06-02
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: Experian Information Solutions Inc. (LA)

Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Please remove these inquries from my credit file.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (NY)

Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (AZ)

They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (DE)

I called XXXX  and Equifax customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these inquiries removed.
Consumer complaint received 2021-06-02
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. (TN)

After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.
Consumer complaint received 2021-06-02
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: WELLS FARGO & COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2023-02-23
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-06-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

on XX/XX/2020, I sent two certified letters one to XXXX, tracking number XXXX XXXX XXXX XXXX XXXX and Trans Union, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On XX/XX/2021, I saw a notification on my phone from Coinbase saying my two factor authentication had been changed. I logged into my Coinbase account and everything worked fine. I went back to reread the notification and could not find it. Thinking this was strange I contacted Coinbase customer support to see if they had sent the notification. I was asked me to explain what had happened in an email, which I did. Coinbase then locked my account. I did not lock the account. It is now 19 days later and I have no access to my account which has a very substantial amount of value to it. I have no idea if my funds have been frozen, or if they are going up and down with the flow of the market. I can not buy, sell or remove my assets from Coinbase. After numerous attempts to reach Coinbase, the only response I get from them are canned or blanket emails saying they will get back with me in 4 to 5 business days, which has passed many days ago. As far as I can tell they have no customer support at all. I trusted them with tens of thousands of dollars and they wont tell me a thing about what is going on with my money. Coinbase seemed to be a great company up to this point. Not being in control of your assets is a horrible nightmare.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (GA)

At the time of this amount was being owed. It was the responsibility of another person the bill was just in my name. The reason they did not pay was because they moved out of the place they were in. I did not know that this debt was on my account and I tried multiple times to dispute it. 

The amount owed is XXXX . And it has been on my account since 2014.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX Follow up. 
Santander did nothing to help me. I was able to sell the car for more than amount of loan Santander wrongfully refused to transfer title repossessed vehicle and ruined my credit and did not use commercially reasonable means to repossess car, sell car and never provided me with an itemized statement.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I was selling a table on XXXX XXXX  XXXX  for {$800.00}. XXXX ( XXXX ) messaged me if it was still available, I said yes. She said can I send you the money over XXXX. I didn't have it at first but noticed it was already linked to my bank account so I thought it would be safe. Then I got emails saying in order to get the {$800.00} I would have to upgrade my account to business which meant sending {$1000.00} to XXXX XXXX ( XXXX ) I only had {$500.00} in my account and sent that at first. Then {$110.00} and then {$380.00} to equal {$1000.00} then to clear everything they needed another {$200.00} which I gave because I thought I was getting it all back. Then I stopped when they wanted another {$300.00} for FBI fines that if I didn't want to be arrested I should pay. I kept getting emails from what I thought was XXXX and from her that told the same story.
Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

I have struggled with paying the minimum amount of my student loans. They have suggested a flexible option, but I told them the amount was still too much. Somehow they have my roommate 's phone number and called her on XX/XX/XXXX. On that phone call, I asked them to remove her information as my contact because she has nothing to do with my account. On XX/XX/XXXX, my roommate received another phone call from them. They call me 5-7 times a day and have even called my job when I've asked them to stop.