davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Dates XXXX present I have been trying to work with XXXX XXXXXXXX and XXXX XXXX fix my PSLF count. I have all direct loans, certify my employment each year as recommended, I have always been on the correct payment plan. I have asked for review of my file multiple times, provided proof of autodraft payments and still have had incorrect qualifying payments. Mostly due to an error by XXXX autodrafting the wrong payment amounts, something I was not made aware of until my loans transferred to XXXX XXXXXXXX and nearly a year of qualifying payments were not counted despite my being enrolled in autodraft payments. 

Recently, due to the PSLF Waiver, I was encouraged to consolidate my direct loans because it would lend to the count being corrected quicker than going through another review. I followed this advice, and instead of my XXXX qualifying payments, my count has now sat at zero qualifying payments for two months. No one seems to be able to give me a consistent answer, which is not surprising after years of inconsistent and inept customer service ( for the record I do not blame the customer service reps, but the poor training from admin ). 

As someone who has always enrolled in autodraft payments and consistently paid and done her due diligence for the PSLF program, this has been a painstaking and infuriating process. It should not be this difficult or stress inducing. 

Thank you for your time.
Consumer complaint received 2022-09-08
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. (IL)

Please be advised that as of today, I have not received any response from your organization regarding my disputes with the accounts listed below. These accounts are still being reported inaccurately. 

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 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 Numerous Follow up letters were sent and still went unanswered. 

Transunion is in violation of the FCRA.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (SC)

To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.
Consumer complaint received 2017-08-27
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. (NJ)

All the inquiries fromXX/XX/XXXXandXX/XX/XXXX are not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

XXXX I made a purchase for XXXX ( funds taken from my account ) and since I did not receive the product I was to get a refund. The bank took the refund and eliminated the original transaction. I still have not gotten my money back. I have emails and documents going back to XXXX when the transaction was made.
Consumer complaint received 2020-05-28
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. (CA)

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2017-10-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XXXX XXXX, XXXX. I now have a pre-trial conference scheduled for XXXX XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, Charter One Bank, N.A. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. Charter One Bank was acquired by Citizens Bank in XXXX but did not change their name until XXXX. It is unclear whether Citizens Bank sold the debt or paid it off when they purchased Charter One Bank. 
6. Citizens Bank is unable to confirm the business transaction between Charter One Bank and XXXX. 

When I read the XXXX XXXX XXXX article about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XXXX. You finally did a review and filed a complaint against this entity in XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NY)

Equifax , Inc., a consumer credit reporting agency, said on Thursday, XX/XX/XXXX that they were the victim of a massive cyber security hack, which divulged the information of 143 Million Credit Card Users. Hearing about this, I checked to see if my own personal information was stolen by using the URL : ( https : //www.equifaxsecurity2017.com/potential-impact/ ).  It was reported to me that my personal information has been impacted by the current hack. Information has come forward that Employees and Officers at Equifax have known about the breach sinceXX/XX/XXXX, and have been instead been selling off stocks. Because of this, I feel that Equifax has n't even done 1 % of enough to keep my information safe or to take care of their own faults. I feel they have n't been fully forthcoming and have n't been as proactive to protect their users and the data shared with them from other consumer credit reporting agencies.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NV)

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

On XX/XX/XXXX I sent {$95.00} to a person that cleans my XXXX because I live in New York at the moment. I have sent him {$95.00} to clean my place before when it needed. This time I sent him {$95.00} to clean and he said he could pick me up from the airport. He asked for {$10.00} more dollars which you can see, I have done in the past instead of calling an XXXX. I land in XXXX, and he is not there. I call and call he never answered or answered any of my texts. I waited for an XXXX  then got an XXXX. I get to my place and it's a mess. He had not cleaned a thing. I immediately contact Cash App to let them know I have been scammed and they do NOTHING. 
They just kept telling me that there was nothing they could do because the transaction was complete and to ask for the the whole time I was in Kentucky and he never showed. I am XXXX  at XXXX XXXX in XXXX New York. Cash app hasn't even contacted this man to retrieve my money after all the evidence I have given them. It's like they are an accomplice to this crime. Then on XX/XX/XXXX someone got into my Cash App account and unlinked my bank account which worries me a lot. I told them and still have done nothing!! Today i got notification of another account being unlinked from my bank account. This all started with the negligence of Cash app not taking the proper steps to secure my money. The only reason i have not closed my account is because I refuse to let Cash App and this man steal my money!! They are the ones that decided to start a company like this, they can't just set back and allow people to get scammed and they take no action. I am getting a lot of suspicious phone calls and emails from all over the world all of a sudden and none it started until I started dealing with Cash App and this claim. I will upload all the statements and text message to this scammer. This has taken up so much of my time and feel that this company has no integrity to allow people to just scam and steal from people. If nothing happens with this trust me karma will find you. Cash app better hope no one breached their system. Why can't they tell me why someone unlinked my account?
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MA)

According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (PA)

I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

this is a follow-up complaint regarding XXXX. 
In Citibank 's response to complaint XXXX on XX/XX/2021, it said " Thank you for providing the requested electronic payment information for the {$9500.00} payment received on XX/XX/2021. We have verified the necessary information and the payment will be reapplied to your account. Please allow 5 business days for this adjustment to appear and your balance to be updated. '' Now today is XX/XX/2021 and it has definitely been more than 5 business days and still I DID NOT SEE the payment. It has NEVER been reapplied to my account. Citibank still OWES me {$9500.00}
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (NV)

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Consumer complaint received 2022-03-07
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX. I have a problem with one of the credit reporting sites. I was buying a car and told I had serious delinquency on it. I called all 3 sites, XXXX, equifax, and XXXX. I was told they did not see anything on my report. I obtained reports myself and could not find anything that said serious delinquency. XXXX card has XXXX, I receive report every month. I have good credit history. I need help finding this and getting it removed. This has been over a year now. I did not think I should have to pay an attorney. How do you fight something that they say is not on there? I had a car accident that was not my fault and only thing I could think was waiting for insurance to pay car off. But that was not the problem I was told. That wasXXXX
Consumer complaint received 2017-09-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (OH)

In XXXX XXXX 2015 I requested information from Navient regarding my options for students loans. I had previously lost my position at the company I was working with and was struggling to pay my student loans. When I contacted Navient I was told that my only option would be to pursue a forberance which would extend for three months and that if needed I would be permitted to file a second forberance. When I filed for the foreberance I was told that I would need to pay a fee of {$50.00} per student loan. Together this amounted to {$150.00} which was the same amount of my monthly payments. When I asked about income based repayment I was told that this was not the best route for me to pursue. 

I find that having to pay a fee for the foreberance period a bit troubling as it was not a full three months as they were basically taking a student loan payment at the time and still charging me interest on the account.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (FL)

On XX/XX/2023 my account was closed they told me on XX/XX/XXXX XXXX decision was final and they permanently closed my account after that they said I had 30 days and a check will be in my mailbox and today is XX/XX/2023 and nothing has came or even been transferred to my account.
Consumer complaint received 2017-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (WA)

I 'm a user of cryptocurrency trading platform, Coinbase. I verified my account with my State ID card ( which the app and website confirmed ) and to this effect, I was granted increased buy/sell limits as well as a USD wallet. In fact, I was able to withdraw {$2000.00} from my XXXX XXXX account into my Coinbase USD Wallet. Prior this getting a USD wallet, I could purchase up to about {$2300.00} in cryptocurrency and now, I ca n't buy or sell any of my current cryptocurrency because it gives me an error about having to verify my SSN at XXXXXXXX. ( even though my State ID is verified and there 's no way I 'll get a State ID without SSN ). I have tried over 15 times to get that verified but to no avail. I terribly need the money or at least be able to make transactions on the platform and for about a month now, I ca n't do any of that.
Consumer complaint received 2017-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TN)

Collections were placed on my credit report on XX/XX/XXXX from Receivables Performance for {$780.00}. I did not receive any notifications from this collecting agency and it is a new one reporting on this account from XXXX. The collection was previously removed from credit report from XXXX onXX/XX/XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the Fair Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX - Account XXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX XXXX  - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX XXXX - Date reported XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER.

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