davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
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)

I have a concern reguarding Equifax only at this point?. Last year I was given a 12 month relief from making any payments at all based on the fact i was in a Federal disaster area during XXXX XXXX. Because of the XXXX and losing my home I am now in a XXXX  situation. I applied for and was granted in XX/XX/2018 a 12 month Forbarence on my student loans. I noticed today that Equifax and only them so far dropped my FICO score 67 points because of the 12 month Forbarence statement from XXXX which has my loans. From what ive read, i should not see a major decline if any at all on my credit score because of this? As of this past friday i finally recieved a very nice Job offer from XXXX XXXX ( XXXX XXXX XXXX ), which will be doing a background and credit check to complete my hiring. I am now afraid i will lose this great paying job because of my extremely low FICO score. Without this good paying job and full benefits for my family we will continue to struggle to get off of the streets? Is this something that is legal for them to decrease my score 67 points? When what i thought I was doing, was a responsible act with my creditor? I do not have any missed or late payments on my student loans at all and am in good standings according to Equifax? However i am being penalized because of this situation, which started with a Natural Disaster?
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2017-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have sent in disputes to Equifax on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX, someone accessed my PayPal account, attached a credit card to my account and withdrew {$500.00} and {$220.00}. 

I have notifications turned on and was informed of the transactions when I awoke. i called PayPal ( I was in XXXX XXXX at the time ). They activated their process on XX/XX/XXXX, and sent me an email with the following information. 
-- -- -- -- -- -- -- -- -- -- -- Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$500.00} USD Recipient email : .. 
Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$220.00} USD Recipient email : .. 
If we confirm the transaction ( s ) were unauthorized, we 'll refund you the full amount. Well also reverse any unauthorized activity or assist you in restoring your account. 
-- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, they sent me an email " Case update : XXXX '' stating Hello XXXX XXXX, We 've determined the payment ( s ) in question were unauthorized and have refunded the full amount. 

Here are the transaction details : Date : XX/XX/XXXX Transaction amount : {$500.00} USD Date : XX/XX/XXXX Transaction amount : {$220.00} USD On XX/XX/XXXX I inquired about when the funds would be restored to my account and they replied ( vaguely ) the next day. 
-- -- -- -- -- -- - We 've sent you a reply to your inquiry This reply can be found in your Secure Message Center Visit the Secure Message Center -- -- -- -- -- -- -- - The reply was a generic 'when you 're due a refund ' message that outlined that it took various amounts of time to get funds ( back ). 

It is now XX/XX/XXXX and they still have not restored the {$720.00} to my account.
Consumer complaint received 2017-12-01
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)

Equifax still has n't updated my file even after XXXX XXXX XXXX XXXX has reported to them that the debt has been paid. They sent me a letter stating that the balance has bee paid. Requesting you help since I 'm approved to purchase a home through a lender which is effecting my score. 
The account number is XXXX at XXXX XXXX
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear CFBP, I am writing to file a formal complaint regarding the handling of my request for Servicemembers Civil Relief Act ( SCRA ) benefits by Navy Federal Credit Union. Despite multiple attempts to address this issue since XX/XX/XXXX, I have yet to receive a satisfactory resolution. 

In XX/XX/XXXX, I submitted my military orders to NavyFed to request the application of SCRA benefits to my account, as is my right under the law. After submitting the necessary documents through their online portal, I received a confirmation message assuring me that their team would contact me within 30 days upon reaching a decision. 

However, despite the passage of considerable time, I have not seen any changes to my account, nor have I received any communication regarding my request. Furthermore, upon revisiting the online portal, I discovered that not only had the confirmation message disappeared, but all prior communication threads with their team had vanished as well. 

I have attempted to contact NavyFed multiple times since XX/XX/XXXX to inquire about the status of my request and seek clarification on the matter. Unfortunately, my attempts to reach a resolution have been met with silence, leaving me frustrated and concerned about the lack of responsiveness from the company. 

I wish to emphasize that these military orders are not an extension but pertain to my most recent entry into XXXX XXXX in XX/XX/XXXX. 

It is essential to note that my credit card indeed carried an eligible pre-active duty balance, making the timely application of SCRA benefits crucial to my financial well-being during my XXXX. 

I am filing this complaint in the hope that it will prompt NavyFed to take immediate action to address this matter and provide me with the SCRA benefits to which I am entitled. 

Thank you for your attention to this complaint, and I look forward to a prompt resolution of this issue.
Consumer complaint received 2020-08-19
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. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The problem is still not fixed. The mortgage company does not seem to understand how to apply payments and continues to put my weekly payments into suspense and charging late fees, when payments are received well before their deadline of the XXXX monthly. I have been charged bogus late fees and have had to submit many complaints and PHH is still not acknowledging their errors. PLEASE HELP. 
Previous complaint numbers XXXX & XXXX Lets start with XXXX payment. 
XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$1100.00} = XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX XXXX XXXX=XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$430.00} = XXXX paid in full by XX/XX/XXXX Financial institutions were closed on XX/XX/XXXX due to XXXX day - so if the payment was delayed in being processed by PHH, it was not my fault, as it was there on the XXXX. 
XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX $ XXXX XXXX paid in full by XX/XX/XXXX XXXX payments made as of today XX/XX/XXXX XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00} = {$2100.00} paid toward the XXXX payment STOP PUTTING MY PAYMENTS INTO SUSPENSE AND CREDIT MY ACCOUNT AS PAYMENTS ARE RECEIVED. YOU CHARGED ME LATE EVEN WHEN PAYMENTS WERE PAID IN FULL PRIOR TO THE XXXX. REMOVE ALL LATE FEES CHARGED AND REIMBURSEMENT ME FOR UNJUSTIFIED LATE FEES PHH TOOK
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I am on a bi-weekly advantage payment plan that makes my monthly mortgage payments on my behalf to Ocwen. These payments are sent by XXXX Bank XXXX Ins company each month. On XXXX XXXX, Ocwen misdirected my monthly payment to my Escrow account. XXXX different Ocwen escalation agents have confirmed this is an error on Ocwen 's part. XXXX promised it would be taken care of within XXXX business days and provided me a number to reach them at directly if it was not resolved by then. XXXX have not been reachable since. It is now XXXX, I 'm still receiving collection calls and letters. And today XXXX/XXXX/XX/XX/2015 I received a formal letter in the mail that requires me to respond by XXXX/XXXX/XX/XX/2015 as to whether we want to refinance our house or apply for a loan modification. We do n't need assistance in paying our mortgage, Ocwen needs to apply our payment appropriately. Additionally, we pay approximately {$420.00} extra dollars towards our principal each month of which they are placing in a suspense account because they say they can not apply it to the principal until our loan is current. Our loan is CURRENT. I 'm at my wits end and feel it is time to hire an attorney. I have documentation to support this claim, as well as XXXX XXXX 's confirmation directly to the escalation specialist of the payment and the check number, of which they have confirmed was indeed cashed. The escalation specialist # 1 was XXXX, XXXX ID XXXX, XXXX, extension XXXX and # 2 XXXX XXXX, phone number XXXX, option XXXX, extension XXXX. Additionally, on XXXX/XXXX/XX/XX/2015 XXXX XXXX instructed me not to make any further payments until this was resolved to cut down on confusion on which payment I was making while they work this out. Had I followed his direction I would likely be in line to lose my home at this point.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NM)

My loans are serviced through Aidvantage. 

I enrolled in the SAVE plan prior to the resumption of loan payments last fall and I received notifications that I was approved and everything was good to go. Once repayment resumed, everything seemed normal and I was paying my monthly bill. About three months in, however, Aidvantage stopped billing me without any notice or justification why. During this time, I want to note, interest continued to accrue causing my principal to increase. I wasn't immediately sure that billing had stopped, but by XXXX it was obvious, and I reached out. After a few weeks, they responded that my account had been put into administrative forbearance while they 'processed my SAVE application ' and told me repayments would resume in XXXX, 2024. Again this was without any correspondence, and despite after having been told that Aidvantage had already processed my application. ( see the attached screenshots from the FSA website ). I don't understand why this forbearance was placed, and why my interest is accuring. There is zero reporting of the interest that is accruing and so even if was trying to pay it off, I'd have no idea what the amount I would need to pay. But as I'm enrolled in the SAVE plan, this interest should never have been allowed to accrue.
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I had written out for {$600.00} ( Check # XXXX ) on the evening of XXXX/XXXX/XXXX. Any checks I write never usually post until either the next day two days later. For some reason, the aforementioned check deposited that evening. 
I specifically wrote the check then because I knew I was going to be paid XXXX XXXX/XXXX/XXXX, approximately 4-6 hours prior to the check being deposited in the amount of {$3000.00} ( PPD ID : XXXX ). Within this time frame, chase debited my account for 2 charges resulting in a {$70.00} overdraft payment. 
Due to the unethical nature of these overdraft fees, I request a full refund of the {$70.00} to my account. Please do not respond with " you have exceeded your overdraft fee refunds for the year '' as this is clearly an extenuating circumstance due to a computing anomaly on the banks part. 
I do n't believe that it is my problem that Chase found a way to take my money and delay putting other monies in. I also believe that it is unconscionable to assume that a consumer would benefit from a 4-6 hour loan at an interest rate of a few hundred percent.
Consumer complaint received 2017-12-09
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. (MN)

Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Citibank debited my checking account for 2 fraudulent checks. The checks were ( A ) dated over two years old ( B ) were already paid by Citibank two years ago ( C ) The checks were made out to the same person. The 2 checks actually have the same check number! Citibank paid it twice. Citibank 's response is that I must contact the payee who is unknown to me!
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (IL)

Someone opened a XXXX  credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from Mandarich Law Group.

Mandarich Law Group who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than XXXX.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC (OR)

On XXXX/XXXX/XXXX, regarding a debt for a " Total Rewards XXXX '', XXXX XXXX employee " XXXX '' contacted a third party and disclosed multiple pieces of my private information. They contacted my father, who in turn contacted me. They told him my birthday, social security number, address, and claimed to him that I owed {$460.00}. This is an absolute violation of the law and I am disgusted that they would bother my family members, and angry that they have given my information to a third party. It is either they gave my private information to a third party unknowingly, or they purposely contacted my family members about a supposed debt.The FDCPA absolutely prohibits such behavior. 

They contacted my father at telephone number : XXXX. He is XXXX XXXX XXXX and lives 3000 miles away from me. He is not a co-signer on any accounts.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (VA)

On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

PayPal extorted my money. During this difficult time due to covid19 my work place is shut down and I am not able to work. Because of this I have no money. My friends reached out to me and tried to send me donations via PayPal because they know my difficult situation and that I have XXXX children who need food. First they charged me a fee from the donation money sent to me. Second they claim I am a new seller and that they must hold my money for 21 days. I am neither a buyer or a seller. I am a recipient of Charity. These people are just sick stealing from a family in need during a global crisis. More than likely they are also collecting interest on my money while they " hold it '' and they won't give it to me for 21 days. You have to be a real evil company to steal from a guy with XXXX kids. I will never use or recommend their service to anyone ever again. If you want to send a friend money or receive money from a friend don't use PayPal ...