davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
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. (CA)

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, equifax and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XXXX XXXX 2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and equifax however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NH)

I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.
Consumer complaint received 2019-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Fedloan has been my student loan servicer since XXXX. I started the PSLF program in XXXX. Each year I submit not only my tax information, but my employer verification as well. I have made numerous phone calls in regards to the number of qualifying payments among other issues. I requested to have the paid ahead status removed from my account because they were not counting all of my qualifying payments. I also asked to have my account audited twice and its been over 3 months and when I called on Friday XX/XX/XXXX, I was told that the paid ahead status was removed then put back off or taken off but not all the way. I pay more than my required payment, all of my payments are on time. Every time I call, everything that was supposed to be corrected was not. The customer service manager was very unhelpful and told me there was nothing he could do. My employment verification was denied several times and I have resubmitted at least 3 or 4 times. My employer has been the same for over 3 years. Yet 5 loans show 13 qualifying payments and 5 show 19 qualifying payments. They all should have the same number of payments. When this was brought to their attention, I was told my account would be audited, and it has not. I was told that with every change made to my account I should receive a letter, and this has never happened. My account is being mishandled/mismanaged. I do not feel confident that when I have made the required number of qualifying payments, they will be counted toward my account in order for them to be forgiven.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

I paid off and was assured my XXXX XXXX account was paid and closed after graduating law school and leaving my apartment in early XXXX, when my lease expired. Not only did they not credit my payment to my account, something that has happened before where they credited another persons account with my money, but they continued to charge me for the weeks of XXXX after my lease ended, and even for XXXX and XXXX. Then without even a single written notice or indication that they were submitting this to a debt collection company, and no possible way for me to expect it considering I paid these XXXX, suddenly my credit score drops from XXXX to XXXX. I find this out applying for a credit card, look at my credit score, and cant believe my eyes. They are billing me when its physically impossible for me to be utilizing the utilities provided, and they have simply taken my money and placed it somewhere it doesnt belong, kept my account open which means the new tenant and myself have accounts for the same unit in this apartment complex and XXXX is trying to double bill, and last but not least, they are reporting incorrect information and I plan to sue them if they dont expedite the process of mopping up their mess of sketchy and fraudulent activity.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: M&T BANK CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-28
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I received an email confirmation from Navient that they had received my income based repayment application. I received another email from Navient on XX/XX/XXXX confirming that my income based repayment had been approved. OnXX/XX/XXXX, I received an email from Navient regarding auto debit payments. My monthly payments were increasing to {$290.00} from {$28.00}. The document stated to make sure to apply for income based repayment or my payment will be XXXX. I emailed Navient on XX/XX/XXXX stating that my IBR application was approved onXX/XX/XXXXand my new repayment plan did not reflect an income based repayment. I asked for my income based repayment plan. OnXX/XX/XXXX, I received a monthly bill for XXXX. I still have not received my income based repayment plan and now I have been provided a bill not reflecting an income based repayment. I sent another email asking when I would receive my income based repayment plan.
Consumer complaint received 2018-03-25
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. (PA)

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

My wife and I were cold called by quicken loans/rocket mortgage to refi our existing loan in XX/XX/XXXX. We were explicitly told that they were applying lender credits and our loan amount would not increase and they could do a 0 out of pocket refinance. Quicken ran our credit, told us we were approved so we provided over 60 documents they requested. 
Over the next 4 months they kept telling us everything was good and we were ready to close. When it came to the final stage they told us we had to come out of pocket XXXX dollars and they tried to increase our loan amount by almost 6 thousand dollars. Their representatives lied to us on multiple occasions regarding pmts and why they didnt want us to put money down. Every time I thought we were getting ready to close they would change the numbers on us. Total bait and switch. We went to closing on XX/XX/XXXX ... ..7 months later. They lied about rate locks, they lied about closing cost and they lied about payments. I learned a valuable lesson and will in the future require anything told to me in writing. I may contact an attorney to have their phone records transcripts but I dont know if they keep em. I am severely disappointed in their business practices and feel that they should be held to the same ethical standards as anybody else who sells a loan to a consumer. Their Refinance department was shady and the worst part is they have no sense of responsibility to make right what their loan officers and loan specialists say to consumers. 
Im use to reading contracts so I was able to catch their deception however I feel sorry for the countless people who have been bent over unknowingly by Quicken Loans. 
I have been contacted by their team as we did close on the loan however we are still weighing our right of rescission while they attemp to make this right. As of now I think that something should be done on a foundational level when it comes to clear and concise explanations of whats actually going on with a consumers loan.
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CA)

I purchase three money orders for an apartment deposit. I did not get the apartment so they refunded me my original money orders I went ahead and deposit my money orders through the bank the bank accepted my money orders and sent it to the company decline my money orders saying that they've been altered and that I need to get get it notarized and sent in the notary letter as well as copies of the money orders and my request for a refund I did that nothing I called today and was told that I need to pay {$15.00} for each money order request and they never received my emails but the first two representatives never told me that so they're holding on to my money which is XXXX and XXXX dollars every form they told me to do I did it and when I call the next person will tell me that I was given the wrong information that I needed to do something else so it feel like I'm getting the run around
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

On XX/XX/XXXX, I received a text asking if I attempted to make a purchase @ XXXX XXXX. I replied back with no. They responded saying a chime representative will contact me shortly. Chimes phone number ( XXXX XXXX XXXX ) contacted me. I was then told my account was hacked and how someone with an iphone in XXXX, Texas has my information. They then tell me this person had set up two different transfers to come out of my account the next day ( XX/XX/XXXX ). The " chime representative '' was going to cancel my account and open a new one, but in order to do so I needed to move my money to the " case manager '' XXXX XXXX $ XXXX. {$1400.00} was moved over UNWILLINGLY, since I legit thought this was real considering chimes phone number called me. I now know, because the chime representatives tell me on REPEAT that chime will never call or text you. I contacted chime right away & a dispute was filed. An hour later it got denied. I called back asking why & was told to upload supporting documentation ( which I had done prior ). I redid everything that was asked for me to do. 2nd dispute got denied. Of course I call back & get tossed around to so many representatives, all of which " understand what I'm going through ''. I was then asked to make a written statement & a police report & submit the documentation. I did what was asked ( police report will be ready soon but I uploaded the report number & sheriff 's name ). 3rd dispute got denied. I also realized I have dash cams in my car. This whole phone conversation was recorded. I tried to upload the videos as proof that I am right, but of course they don't accept videos. I just want my money back. Every representative there seems to believe I willingly did this and knew this person. I beg to differ. Now my mortgage is late, among other bills. Those companies don't care what happened & what you're going through, so of course they want their money was well. 
4th dispute got denied and now on to my 5th one. I have asked for documentation as to why they keep denying my disputes. I have googled this issue and this has been an ongoing battle. So they are aware of this but act as if this is my fault. I can't help but think this is an inside job, and that's why they keep trying to sweep this under the rug.
Consumer complaint received 2017-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

I have asked twice today very politely to be taken out of the system because I 'm not the person they want to reach! 

They called me yesterday as well. 

Wrong number and continuous calls is harrasment.
Consumer complaint received 2017-11-05
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. (FL)

The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
Consumer complaint received 2017-12-28
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. (CA)

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX  XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, Equifax and XXXX all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
Consumer complaint received 2022-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This account was charged off which means that they have reported this to the IRS and gotten a tax write off for it therefore it is no longer owed. This needs to be deleted from my credit. There are 2 accounts {$5700.00} and {$1600.00} showing on my credit that need to be removed.
Consumer complaint received 2018-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : 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 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

The three companies, XXXX, XXXX, and Experian continue to block reports so that companies seeking information regarding XXXX XXXX per his request can not get the access to the account because the account is blocked. 
I never have requested that the companies block the account. They do it for their on purposes. 

Today, XX/XX/XXXX, XXXX XXXX informed me that there is a block on the accounts. I did not request a block. 

Please contact the three companies and inform them that I do not request a block.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit