davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (TX)

I opened a XXXX XXXX account. I fund this account thru automatic drafts. After a year MoneyLion then deposits in my account XXXX dollars money that I funded. Its a savings account. I cant afford the fees. I have asked Money Lion to close the account and refund my savings account payments. They have said I have a late payment and are adamant this is a loan and not a savings account and report it as such to the credit bureaus. And will not close the account until I make good on the past due.Ive argued that the past due are funds I pay myself into a savings account that I benefit from financially. Regardless I cant afford the payment. Im XXXX  and live on SS. And for whatever reason I cant even get a job XXXX XXXX. Im a nationally cerified XXXX XXXX and XXXX  XXXX who over saw XXXX kitchen installations. Im more than qualified to stock shelves. With a job the payments arent an issue and this is a savings account that would benefit me. The issue is Money Lion says its a loan. I say its a deposit account into a savings account that I in turn then benefit from a XXXX dollars based on my payments. 
Im being penalized and if not stopped this auto draft will severely affect my ability to pay utilities, food, and fuel. I could lose my home that i own. I need it stopped NOW. Money Lion says they will close it after I pay a fee and the past due payment. Its not a loan. Its a savings account. I should be refunded instead of penalized.

I do want to say that Money Lions Credit Builder acct can be beneficial. I cant afford it. Money lion has made it very difficult for me to close the account and will cause me greater financial distress. Thats why I want it closed and my savings deposits refunded.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER EQUIFAX, XXXX OR XXXX   HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.
Consumer complaint received 2021-06-24
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (SC)

My XXXX  account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Student Aid (USA) Funds (LA)

So I filed bankruptcy twice. All my accounts were included in my bankrupctcy and closed out with a XXXX  balance. When I initiated a dispute with t he credit bureaus they responded and added all the loans back on my report with a deferred status. which brought my score all the way down. they changed the balances and kept the same date opened dates. by law this is illegal. i have tried to resolve this issue by just disputing the accounts but they they keep reporting as the accounts are accurate and opened.
Consumer complaint received 2019-03-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

My loan was originally with XXXX XXXX XXXX. They sold to XXXX XXXX who in turn sold to Fay Service in XX/XX/2018. This year I was notified by Fay Servicing that my escrow account was short and I would be getting charged approximately {$150.00} more a month. I was also told I would be getting additional charges for lapse in coverage for insurance that was lender placed. 
According to Fay servicing, I had lapse in coverage in XX/XX/2018 to XX/XX/2018. At this time my loan was serviced by XXXX. They also told me my escrow account was transferred with negative balance. I have requested information from XXXX XXXX and they have advised that I need to speak to current servicer since my account is closed. I spoke with my account manager who was going to look into the issue and then when I called again to follow up I was advised that she no longer handled my account and I had new account manager. I have made numerous attempts, via phone and email to get full accounting of my escrow account. To date, only info I have is projected and what they claim was transferred. I also requested explanation how they can charge me for insurance lapse in coverage when loan was serviced with another company. I also paid previous servicer for lender placed insurance. There should be some refund if I insurance was not paid. This year I was billed for lender placed insurance but have my own insurance placed and still waiting for accounting of that insurance cancelled and new insurance billed. My online account does not give me full statement. My payment went from {$640.00} in XXXX to {$790.00} in XXXX. I am getting no answers from either XXXX financing or Fay Servicing. 
Original email sent on XXXX to Fay Servicing. Follow up on XXXX, XXXX, XXXX. Email sent to XXXX for help on XXXX. All emails also followed up with phone Calls. I did speak with XXXX XXXX at Fay Servicing and she never got back to me other than mailing me projected escrow. 

Thank you.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello I spent XXXX hour on phone with Capital One and they refused to help me get a payment extension for the XXXX car loans i have. 

One loan that ends in XXXX with a payment of XXXX and the other Car Loan that ends in XXXX with a payment of XXXX. 

I asked to skip XXXX 's payments for both cars due to getting covid and having complications from covid. they kept telling me to just pay the amounts 7 days after the due date. I kept asking why they wouldn't give me an extension for both car loans and then they said we are going to get you to a manager to assist you. I waited and waited and then they hung up the phone.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (TX)

I have credit card with a few cards, but discover does the most harassment. discover calls me several times an hour. I have blocked over 20 numbers, and continue to get endless spam from their debt collecting numbers. I dont even know whos calling at this point, but I get several voicemails a day. Discover voicemails claiming its not a solicitation call, or claiming they want to offer me some new promotion, to get me to call them back and end up paying it back.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I've made 120 qualifying payments on my Federal Student Loans. I submitted my final PSLF form and requested discharge from Mohela on XX/XX/year>. Mohela shows I made 120 qualifying payments and am qualified for discharge. But after 3 months my loans are still not discharged. Mohela customer service confirmed I've made the payments and qualify for discharge, but there is no timeframe for discharge and no one is responsible for the amount of time discharge is taking. I've spent 12 years in the same public service job to achieve discharge. I need to leave my job for multiple reasons, but I am stuck until discharge. Mohela said I have to be in a qualifying job at the TIME OF DISCHARGE! But not why. Mohela said I could look for another qualifying job while I wait for discharge, but I want to start my own business. I've waited 12 years. And now I've made my 120 qualifying payments, and I have to wait for another unspecified period of time in a qualifying job. There is no information updated on Studentaid.gov dashboard. Mohela said they sent the required documentation to Studentaid.gov. I need to file taxes. I need to start my own business. I can't stay in my current job any longer. No one is taking accountability for the time discharge is taking. Please help me.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VEROS CREDIT, LLC. (TX)

This financial institution, VEROS CREDIT LLC is in clear violation of the following sections of the law ; ( 15USC1642 ) ( 15USC1681m ), ( 12CFR1002 ) and are subject to criminal liability for violating ( 15USC1691 ). On ( 04/18/2024 ), VEROS CREDIT LLC pulled a copy of my XXXX  consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( 04/18/24 ), VEROS CREDIT LLC sent me a notice that I was denied credit for a XXXX XXXX XXXX application from dealership XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have proof that I was discriminated against by VEROS CREDIT LLC due to the response I received from you on ( XX/XX/XXXX ). My social security number ( credit card ) was used by Veros LLC to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ; Veros Credit LLC ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied an extension my own credit. If Veros Credit LLC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next XXXX days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a consumer who sent my FTC report to XXXX, TransUnion, and XXXX on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc (TX)

on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Consumer complaint received 2016-04-10
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (VA)

XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

XXXX/XXXX/XXXX - I filed a ticket to Coinbase because it has restricted my account. I am based in XXXX and my account got restricted when I tried to login online from a restricted country. Case reference is # XXXX. I attached my government ID and utility bill as proof that I am a resident of XXXX. 
XXXX XXXX - Coinbase support responded that my case has been escalated to a Specialist and they are working on it. 
XXXX/XXXX/XXXX - no updates since. I filed new tickets but no resolution as promised by Coinbase.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My account was closed because the company never applied to the payment I made months ago ... XXXX My limit was only XXXX and this payment was made back in XXXX ... ... ... then they send me out a letter and the account was already closed before the letter arrived to me ....
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Consumer complaint received 2022-03-10
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. (OH)

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Consumer complaint received 2018-02-01
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. (TX)

My late husband ran up many fraudulent debts in my name before he XXXX XXXX  in XXXX, 2015. Since then I have worked diligently to pay off any debts that could have benefited me, and to protest those that I knew were his debts. His name was XXXX XXXX XXXX. My XXXX score is now Excellent. But Equifax continues to lower my score for no reason. I was affected by their data breaches. I have tried to ask them why they seem to lower my score every time I dispute incorrect information. They show the dispute as a " credit alert '' on their XXXX website, that is free to those harmed by their data breaches. It appears that my score is being lowered as retribution for disputes of bad information. I still can not see results of my disputes because of bad address data on their databases. This is very frustrating and unfair.