davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (LA)

During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told Transunion the reason I did not make the payments and they refused to add my credit score back to where it had been.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mid-Atlantic Finance Co., Inc. (TX)

I tried to talk to Midatlantic finance. I did not obtain or sign for a car loan. And I notified them of this and asked for them to pick up the vehicle and they refused. The car company let someone walk in and sign my name for a loan
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX I was wired XXXX from my Chase account to XXXX XXXX XXXX for a new investment account. Our email correspondence was hacked. I sent my money to XXXX to a XXXX XXXX account in XXXX XXXX. It ended up being wired to a XXXX XXXX Bank in XXXX. On XXXX XXXX, I learned that XXXX never got the money. I learned that XXXX had never sent me that email a hacker had interrupted the email stream. XXXX XXXX called XXXX XXXX because they hold NO accounts at XXXX XXXX. XXXX XXXX confirmed there is no XXXX XXXX XXXX account nor do any of the officers of XXXX XXXX. The wire went to an individual not associated with XXXX. XXXX said that is a violation of anti money laundering laws put in place after XXXX. XXXX XXXX should have kicked the money back from the wire. XXXX XXXX has refused to return the money. I called Chase, FTC, credit companies, XXXX, OCC, and the Texas Banking Commission to help get my money back. Chase initially closed the investigation but recently re-opened a global investigation due to a local branch manager. However, Chase will not give me a case number or a number to call to follow up. I have a police case open as well but again have not heard back. XXXX XXXX XXXX is willing to share its findings with any investigator. XXXX also had the FBI look at the hack from their end. I would like XXXX XXXX and Chase to be held responsible for returning my money as they did not do due diligence when the wire was sent. 
Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Variable student loan interest on three out of three accounts set to highest possible percentage. All payments have been made on time, in full, and even additional principal has been paid of. Credit scores of account holder have improved and stayed at a score range of XXXX to XXXX. Immediate questioning and discussion to loan vendor ( Navient ) were engaged. No information or explanation was given as to the determination of current interest rates and the increase of said rates. Multiple phone calls to inquire on this matter have failed to gain any real reasoning.
Consumer complaint received 2017-07-12
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. (CA)

On XXXX XXXX XXXX I contacted XXXX and TransUnion regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX XXXX that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first. <P/>Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (MD)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX Inquired on XXXX XXXX, 2022
Consumer complaint received 2017-07-26
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. (IL)

I have attempted several occasions to have my credit report updated. My idenity was stolen. I have submitted police reports as their is an ongoing investigation. However, even with this information Equifax has refused to delete the accounts. What more can I do if I have the police report? This is a clear violation of the Fair Credit Reporting Act. The following are the accounts that are in dispute. Some of the accounts I was paying in an attempt to keep my credit high. I eventually stopped because it did not help matters. I even asked the business for proof of the transactions so this information can be added to the police investigation. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX 2. XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 3.  XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX XXXX
Consumer complaint received 2022-09-09
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. (MD)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-04-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUN WEST MORTGAGE COMPANY, INC. (UT)

My husband and I were trying to get a modification on our house and that back in   XXXX   XXXX   is when filed for this with our HUD certified mortgage modification  counselor.  We in default on   XXXX   XXXX   because we still could n't pay in full and the modification was denied. So filed appeal because they had said that the VA said that we are in the negative balance of {$80.00} and that is what  Sun West h ad told my HUD  counselor.  I turned in the appeal so this papers were in and with all the proper documents and adding income with extra dependent that I have legal guardianship of her. So then they ask for more on   XXXX   XXXX   and extra documents plus more info on my dependent. Like Social Security info and her account info from bank.   Then in   XXXX   XXXX   they asked more specific paperwork for my dependent like if you  may pr ovide her birth certification. I just send the award letter for Social Se curity Office an d thats it.   In  XXXX  they asked again but in this wording we will require copy of birth certification or any other documents to verify the dependent 's birth date.
Consumer complaint received 2017-07-26
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: EQUIFAX, INC. (GA)

Several items were removed from my credit report after investigations and me paying several debts in full from my credit report as of XXXX 2017. Equifax removed several items because of letters from companies advising that they were to be removed. Equifax also updated all of my credit card payments up to date as of XXXX 2017. On X/XX/17, my credit report was correct and included XXXX collection, XXXX inquiries, & XXXX negative items. The next morning I woke up to XXXX negavtive items, XXXX collections, & XXXX inquiries which is SEVERELY incorrect! Equifax even removed my payment histories for my credit cards that were last updated in XX/XX/XXXX and put the last updates as XX/XX/XXXX. The removed some credit accounts all together. It was as if my credit report fully converted back to XXXX of 2017. I  called and spoke to reps for hours who refused to help as I advised that there was something wrong. They assured me that there was no technical errors or glitches. I advised them that I pay them monthly for a credit service & I review my report everyday. I let them know that my payments on all my cards were showing last updated X/2017 & that now they were showing last updated X/2017 which is definitely incorrect as that date is in the past. I advised that the credit report just the day prior listed all my accounts and they were all now gone & now included stuff that they received letters to erase & that their own investigation had deleted. I proceeded to call several of the companies now showing on my report and they advised the last notifications they sent to equifax was to remove the debts months ago and that they had sent nothing new. This is soley on equifax and is their error, not the companies error as they did their part correctly. Equifax is reporting incorrect information and erasing pertinent info and has now destryed my credit and haulted my home buying process. They refused to escalate or even pull up or accept any report from the day prior as proof of what I was saying.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (DC)

I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

This has to deal with the company Coinbase. I have over {$600.00} in an account which was hacked. When someone was trying to change my password in XX/XX/2021 i reached out to the Coinbase team and noted the issue. They did nothing and over weeks the hacker still was trying to change the password. I was receiving text messages saying my password was trying to be changed and again alerted the Coinbase Team with no response. Weeks later the hacker finally got through and changed the phone number on my account and i was locked out of my account.

The Coinbase team FINALLY responded and " locked '' the account over the past month i have been emailing and calling to try to get back into the account to see where the money is but nothing. I have made 3 NEW accounts ( requested by them ) uploading photos, documents, and videos of me proving this is my account. BUT STILL NOT ALLOWED ACCESS. I has now been 2 weeks since i last heard from them and i follow up Everyday with no response. this needs to be fixed and they need to be accountable it is truly awful service.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Not really seeing this issue on your check list prior to this page. But I put money into my Huntington Bank Savings account on XX/XX/XXXX in the amount of {$21000.00} on XX/XX/XXXX I received an email ( attached ) saying " Bring this coupon to a branch, visit a branch before XX/XX/XXXX. Hurry, this is a limited time offer, and you need this coupon code to get started. '' and get a {$100.00} bonus. 
I showed XXXX at the bank on XX/XX/XXXX, the email and she says I would get the money in 5 to 10 days. No money, so I talked to a XXXX XXXX on XX/XX/XXXX and she says it takes 60 days from XX/XX/XXXX to get the {$100.00} Bonus. No money, went back in XX/XX/XXXX talked to XXXX and he says he has to send email to there back office. Then they tried to say the offer didn't start til XX/XX/XXXX and I disputed it with XXXX that the email says bring coupon in a branch BEFORE XX/XX/XXXX Which I did and about a week later they said that it had been approved for me to get the {$100.00} bonus money. No money, so on XX/XX/XXXX I spoke with XXXX XXXX at the Bank and she says the {$100.00} would be deposited in my savings account in 7 to 10 days. No money, On XX/XX/XXXX I told XXXX XXXX no money yet, she told me the guy was on vacation and back on XX/XX/XXXX No hear from anyone, called the bank XX/XX/XXXX and XXXX XXXX says she would email them again. NO Hear from them yet and NO MONEY.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NV)

Paypal deducts money from your bank account promising it to be deposited into your PayPal account on a certain day. After taking the money from your bank account, the money does not arrive in your account on the day PayPal says it will arrive. 

On XX/XX/XXXX I transferred {$1000.00} from my bank account to go into my PayPal account. The PayPal app claims that my funds will be in my PayPal account on XX/XX/XXXX. 

Once seeing that funds were not in my PayPal account at the end of the banking day of XX/XX/XXXX, I called PayPal. PayPal 's customer service first said that funds should be in my account by XXXX. After not seeing funds in my account after XXXX, I called again. 

Customer service then said that funds will be in my account at midnight or even on XX/XX/XXXX. Six business days later. 

In a day and age when payments are processed instantaneously and normal banks reliably transfer funds, PayPal 's slow processes are unacceptable and risky. Furthermore, payments that are supposed to be made with PayPal deposited funds are delayed causing concerns, lost business, as well as other risks.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 Inquired on XX/XX/2020 XXXX
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I submitted my Employment Certification Form on XX/XX/2020 and have emailed the company repeatedly for a a status regarding a count on my payments. 

While I understand what is going on in the world right now with worker shortages, getting a status from this company has always been an issue regardless of COVID-19. 

This morning I received an email from " XXXX '' telling me that they received my form on XX/XX/2020 with no other information while not answering my question. 
This company has always had poor customer service. I am tired of having to email constantly for updates as well as the long turn-around times. I shouldn't have to file complaints with the CFPB for basic customer service. The turnaround time is 14 days pursuant to Fedloan Servicing 's agreement with the Federal Government. I am not sure why it is so hard to get any answer out of these folks.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-26
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: EQUIFAX, INC. (FL)

Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXXXXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I took out XXXX sets of Stafford loans XX/XX/XXXX and XX/XX/XXXX to attend graduate school. The original lender was XXXX XXXX. Currently Navient holds the loans. 
The loans are as follows : XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized Over the years, I requested that the oldest loan with highest interest rate be paid off first. This never happened. I requested over and over on phone and enclosed with check. Again, it never happened. Now, the XXXX newest loans are paid in full and I still owe thousands of dollars. This is interest which they created by manipulating the allocation of my payments in a manner in which I directly asked not to happen. 

I graduated the actual week the market crashed in XX/XX/XXXX and I rarely make the same income I did since XX/XX/XXXX when the loans were issued. This was not my plan. So I definitely do not want to pay any additional interest on these loans. 
Please help!