davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

On XX/XX/XXXX I submitted an application to consolidate 3 parent=plus loans into a single loan. In this application, and the conversations I had with the XXXX  servicing rep, I made clear I was going to apply for the Public Service Loan Forgiveness program. I was reassured the loan qualified. In Fall XX/XX/XXXX, I ( finally ) submitted the PSLF documentation. On XX/XX/XXXX, I received an e-mail stating that I had been approved for PSLF, but that I should NOT make another payment to the current loan as the current repayment plan was not approved for the PSLF.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On or about XXXX XX/XX/2020, and XX/XX/2020 I made two mortgage payment to 5/3 bank. The fist payment amount was for {$690.00}, and the 2nd amount was for {$690.00}. Two months payment for the month of XXXX were made erroneously due to a computer malfunction. One payment was only meant to be made. The computer at that time did not show a curtailment had been made to the account and the new payment amount was not reflecting when I made those payments. 
After about a week I checked my bank account and realized that I had made two payments instead of one. I was okay with making two payments. I was hoping that one payment would be for the month of XXXX. After about a few days I started getting phone calls. I didn't answer because I was working. I called back later only to be informed that my payment had not been made. I spoke to a representative the first time ; who explained to me that I had made an incomplete payment. So she suggested that I take money from principal and apply it to the payment. I agreed since it seemed like the most logical choice. A few days passed and I received another call from 5/3 bank. Asking why I had not made my payment. I explained to the second representative that I had spoken to someone already. They told me they had no record of it. I called the customer service back again. I was explained that my original request was denied because the way the first representative applied the payment was incorrect. By this time I am on the 3rd or 4th representative. I asked her what I needed to do to ensure that I am not late or that it reflects my credit report. She advises me again to take money from the curtailment and apply it to the XXXX 's payment. Which again I agreed. After, two days I get another call from 5/3 bank asking why I had not made a payment. At this point I told the representative to please check his notes before I spend 30+minutes on the phone explaining the same thing for the 3rd or 4th time. He initially told me he couldn't see any notes. I asked if their systems don't talk to each other. After a few minutes ; he goes on to say, that " he does see the notes ''. I asked him if he could please make a note to ensure that I have spoken to a customer service representative and to please stop harassing me during work hours.
Consumer complaint received 2018-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}
Consumer complaint received 2021-06-23
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: JPMORGAN CHASE & CO. (NY)

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 2020-01-27
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: CITIBANK, N.A. (CA)

MACYS HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.
Consumer complaint received 2021-09-18
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. (GA)

For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. XXXX, Equifax and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX  XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX  XXXX XXXXUnverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX  ) XXXX XXXX  XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified  Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-16
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. (CA)

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MS)

XXXX has been listed on my credit reports since XX/XX/2017. They did not send me a letter per the fair debt collections practices act, giving me 30 days to dispute the alleged debt before they put this debt on my credit reports. Also, when I did send a letter to validate this alleged debt, they supplied me with paperwork about an account with XXXX. I am confused because the way they are listed on my credit reports, it is saying that it is for an XXXX account, both which are not my accounts. I have asked for an original instrument of indebtedness in its original form, with my signature on it, proving that I created this alleged debt and until this day, they have not sent me anything. They are also reporting to the credit bureaus, several times when I dispute this item on my credit reports, that this debt is being reported correctly but have yet to provide me with proof that this is an valid debt. They are also threatening to sue me in court and damage my credit rating for a debt they can not prove that belongs to me. I want this harassment from XXXX  to stop immediately.
Consumer complaint received 2020-05-22
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. (AR)

Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2021-06-23
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: CB1, Inc. (MT)

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 2021-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I created a Coinbase account on XX/XX/2021 and invested {$1500.00} since XX/XX/2021 I have been unable to access my account or money. 
I have submitted several tickets for help which have only been responded by an automated system. My account remains suspended without any communication as to why. Besides the initial investment, I did not attempt any withdrawals or any other transactions on this account. The app is showing a connection issue but the website says it has been temporarily disabled.
Consumer complaint received 2020-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX bought my XXXX acct in XX/XX/2020. Every month they checked my credit. Then in XXXX  after missing a payment they did another credit check and in XXXX lowered my credit limit by {$110.00} in turn put my credit score down tremendously. I've been struggling to get that score up for a year. It was XXXX ( I know that isn't very good but it is an improvement ) and since they're stalking my account, it's gone down below 600! I feel this is very unethical considering COVID-19 has put all of America in lockdown!
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (VA)

A car was purchased on XX/XX/XXXX. 

The dealer, XXXX XXXX XXXX, made several misrepresentations during the sale of the car. Hence, the dealer committed fraud and the vehicle was not fit or safe for driving. Further, when attempting to locate the vehicle in the Virginia XXXX system, a VIN for that vehicle was not able to be located which leads me to believe that this car was mean to be " junked '' or for salvage. Nevertheless, this information was not disclosed at the time of sale nor did the dealer complete the proper paperwork to title the vehicle in my name upon satisfaction of the loan. 

I disputed several transactions related to the sale of the car. First transaction was for {$100.00} to hold the car on XX/XX/XXXX ; the second was a down payment of {$3400.00} ; and the third was {$120.00} to extend the service contract on the vehicle. 

Due to the fraud that has been committed the contract is void and I have requested a refund from the dealer, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. XXXX Chime. 

None of which has honored my request even though my card is insured by XXXX to prevent events like this from occurring and providing a valid dispute resolution process. 

I am now appealing to the CFPB. 

I wish to retain all my legal right to peruse what other remedies may be applicable under the law. 

I nearly lost my life  several times driving this car especially when the brakes failed, and the lives of my children were put at risk.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that capital one bank usa, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

Due to the Coronavirus Pandemic, we chose the forbearance plan on our mortgage for 90 days. My husband and I were laid off from our full time jobs due to the pandemic. Once my husband returned to work, I called LoanCare to cancel the forbearance plan. It is IMPOSSIBLE to talk to a HUMAN on the phone with the company. I had to cancel the forbearance via an automated service which I felt uncomfortable. I called LoanCare multiple times so that I could resolve the accumulated amount for the forbearance. After waiting on hold for over an hour, I hung up. A few weeks ago I started receiving notifications from different credit bureaus that my account has been flagged for being over 90 days late!!! I immediately called LoanCare! Of course I couldn't get on the phone with a human. The recording said that wait times were exceeding 30 minutes and to call back another time. Really?!?! Finally, I got ahold of a human from LoanCare and they told me that the forbearance amount had to be paid immediately after canceling the forbearance or else they can start reporting this to the credit bureaus. We have NEVER been late on a payment! My credit score dropped 116 points!!!!! Now I am in the process of trying to do a loan modification with LoanCare and again I can't get a human on the phone. I called this morning and the recording says wait times are exceeding 30 minutes, call back later. I can no longer log into my account online either! I was using it yesterday and all of a sudden it's not working today?!?! This is the worst mortgage company EVER! Something needs to be done! You are negatively affecting our lives!
Consumer complaint received 2019-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received a statement from Bank of America on prior to XX/XX/2019 showing i owed {$630.00}. I knew that was an incorrect amount as I made a {$350.00} payment on XX/XX/2019 which was more than the normal {$310.00} payment amount. I called bank of America and was told I owed {$310.00}. Since I knew I was going to be late with my XXXX payment, I added the {$310.00} plus the late payment plus a few extra cents to make an even dollar amount making the check i am paying to be {$340.00}. On XX/XX/2019 I received a statement saying my payment due has a {$380.00} late fee.I called bank of America and got XXXX who couldn't explain but would send me a listing of my payments. On XXXX XXXX I went to one of bank of America branches where it was explained that when I physically come in and make my payment, IF I don't verbally state i want {$310.00} on my payment, {$20.00} on the late fee and the remainingXXXX cents on the principle, the teller applies it all to the payment. According to bank of America I have accrued {$150.00} in late fees because of their teller error and even if they might waive some of these late fees due to teller error, they are reporting my account {$1.00} late to the credit bureau. This is a scam that bank of America is doing to it's customers and I'm sure I'm not their only victim
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Transunion aware that I have never signed an Affidavit nor giving Transunion consent to furnish ANY INFORMATION on my consumer report but has that stopped Transunion? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Tranaunions system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Consumer complaint received 2018-02-16
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)

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Equifax has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Equifax must provide me with a copy of the original contract signed by and obligating me to this debt. If Equifax can not provide such proof of debt validity, the account must be deleted form my report. Equifax has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Acct Name Acct # Status XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX Not Validated