davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (CA)

I received my first bill for XX/XX/2022 It stated my due date was XX/XX/22. I tried by phone and email to change the due date and couldn't. I requested every month on the XXXX. I borrwed {$25.00} and made my first payment. I called today to change it for XXXX and was not allowed either. It says in their paperwork that it takes 5-7 days to process a payment. That's why I asked for the XXXX of the month. 
I get Social Security Benefits paid on the XXXX of every month. This creates a late charge for every payment I miss on the first.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.
Consumer complaint received 2023-04-06
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. (SC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX  account # XXXX - XXXX account # XXXX
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

Please help me get my {$6500.00} back. Coinbase lost my total {$6500.00} transfer. 

I made wire transfer {$3000.00} on XXXX and {$3500.00} on XX/XX/XXXX from XXXX XXXX Bank to XXXX XXXX XXXX. The amount was never credited to my Coinbase account so I opened a support ticket two weeks later. 

On XX/XX/XXXX, I reported to XXXX XXXX Bank and filed this case as fraud. I also contacted Coinbase to refund {$6500.00} again. 

On XX/XX/XXXX, I finally received email from Coinbase that {$6400.00} ( {$20.00} fee ) was funded on my Coinbase account, however, it says " Buys disabled. '' I requested to refund {$6500.00}. 

On XX/XX/XXXX, Coinbase closed my account without notice. 

I contacted Coinbase multiple times to request the refund of my {$6500.00}, but no response. 

On XXXX, XXXX XXXX closed the original claim and reopened to escalate with online wire transfer claim. 

Now here I am, 6 weeks later, still waiting for Coinbase to return it. 

Deposit reference : XXXX {$3500.00} Deposit reference : XXXX {$3000.00}
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Date : XX/XX/2022 Bank of America Acount Ending in XXXX Case Ref Number XXXX My name, we've made the decision to close your deposit account ending in XXXX because we're unable to verify your identy.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XXXX, Chase customer places in US Mailbox in Texas a check for {$100.00} made payable to relative in Illinois. 

On XXXX, Chase Bank receives for deposit, by way of a Chase Mobile Deposit App, a Chase Drawers check which Drawer subsequently learns had been stolen from the US Postal Mail Box, and obviously materially altered date, name of payee and amount from {$100.00} to {$4500.00}. In spite of fact that materially altered check is not properly payable under Uniform Commercial Code 4-401, and EFTA and Regulation E, on same date, XXXX, Chase charges Drawers account {$4500.00}, resulting in overdraft of ( {$1000.00} ), charges Drawer 's account overdraft fee of {$34.00}, and notifies Drawer by e-mail of overdraft. 

On XXXX, less than 24 hours after Chase accepts materially altered check, in response to overdraft email notice, Drawer reviews his account, realizes fraud and immediately notifies ( XXXX on XXXX ) Chases customer service and fraud divisions of altered check, and makes claim and request for Drawers account be credited the wrongly charged {$4500.00}. Chase subsequently refuses payment on Drawer 's outstanding checks. Now, XXXX, 20 days later, Chase still has not credited Drawer 's account the wrongly charged {$4500.00}. 

Issue : How long a period of time does Chase have to credit its Drawer/Customers account the wrongly charged and not properly paid {$4500.00}?????
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.
Consumer complaint received 2018-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2017 a balance of {$400.00} from XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of the consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2021-04-08
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: Convergent Resources, Inc. (MO)

These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (NV)

1. Received an email that my score has dropped XXXX points today XX/XX/2021 2. Called Experian and spoke to their membership department they could not help me and was tolled that the hard inquire did it. 
3. I Asked to speak to a supervisor and still same result and was tolled to call FICO 4. Called FICO and was tolled that they only monitor there customer credit and that they have nothing to do with score 5. Called back Experian and requested to speak to there Dispute department and was around 25 minutes in talk and nothing can be done they asked for my phone number and was tolled that they will get back to me and that nothing they can do for me.

6. Before hanging up I ask to accept a complaint in reference the XXXX point drop and to give me a reason or explanation to why my score dropped XXXX points they will not and refused to take a complaint or investigate. 
7. Need of your help thank you.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I keep disputing items with Experian, and they keep rejecting my disputes, I have tried to call to file disputes over the phone, they block me, and forward my calls to a robotic system. This bureau is the worst bureau there is, they do not like to do their jobs, or correct their mistakes, they 2 accounts on my credit for XXXX XXXX, those accounts are past the 4 year statute of limitations for collection action, and on top of it it is re inserted debt, which by fcra standards they are supposed to delete, and credit reporting and they are not my accounts to begin with. They have an eviction that they are not supposed to be reporting they have continued to report knowing it's public records, and against FCRA even after proof was submitted to them they just don't care, they also keep reporting a XXXX XXXX credit card late that wasn't. They have inquiries on my report that have a 2 year time limit, they are keeping inquiries on my report for 3 years, and lying about the dates they are supposed to come off my report, they need to delete these items, and follow by FCRA rules, before they get sued.
Consumer complaint received 2018-02-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had a problem intentionally getting the vehicle from the dealership as the term started and it put me behind two months. I have filed a complaint that was ignored. So I took Ownership and continued the payment. Every time I make a payment I would get calls all day everyday even at work and school. It became overwhelming. I told them to stop calling me and the calls stopped for a little under a month. Just recently the harassment calls started again. Now I want to pursue legal charges.
Consumer complaint received 2022-10-15
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-18
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. (GA)

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/2021, I disputed the accuracy all details of a Bankruptcy showing on my credit report with Experian. On or about XX/XX/2021, Experian responded to my investigation request, stating that the details of the Bankruptcy were verified. According to the Fair Credit Reporting Act, it is Federal law that the verification be made directly with the creditors/courts, not a 3rd party service. I reached out to the court to ask if they share information directly to Experian or any credit bureaus, to which their written response was that they absolutely do not. 

By law, according to the FCRA, if Experian does not provide evidence that they verified the details of this bankruptcy with the court itself, it must be removed. 

I am attaching a copy of my letter to the court and the court 's written response.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I was placed on the COVID-19 forbearance program for 12 months on XX/XX/XXXX. When I called in today on XX/XX/XXXX to extend it until XX/XX/XXXX I was told I could not extend it. Thy verified that the program was 12 months and repeatedly confirmed the start date but said that they could only keep me on the program until XX/XX/XXXX. 

I am currently in the process of acquiring a second job and would have been able to pay the balance by XXXX of XXXX, but now that they will not extend it and I only have 2 weeks to apply and get on another forbearance, the mortgage company has caused me undue hardships that will affect my credit score. 

I would like the mortgage company to keep their contractual obligation to keep me on the covid 19 forbearance for 12 months until XX/XX/XXXX.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I have a consolidated federal student loan with mohela and I qualify for PSLF under the limited waiver. Unfortunately, I can't seem to get my payment counts updated now for over a year despite multiple contacts with mohela and studentaid.gov. 

I applied for PSLF in XX/XX/2022. My employer was deemed qualified and I should have had well over 120 eligible payments under that employer at that time. However, my payments remain not fully counted now over a year later - specifically payments from XXXX have not been counted. 

I'm still not sure if this is a mohela of DoE problem. I have chatted and called with mohela and studentaid.gov more than 10 times over the last few months. I have escalated through mohela 's pslf line. I have filed a complaint through studentaid.gov. I have been told many different things, including that mohela recognizes that there is a problem and said they would fix it ( on XX/XX/XXXX over the phone with mohela they said all my counts would be updated within 14 business days, which didn't happen - this is documented in the notes in my account ). I chatted yesterday with mohela and they said to just wait longer. I called yesterday with mohela and again they said there was a problem that they would handle by sending an email to someone. I asked to speak with a supervisor and they refused. They also said that they would send me a form in the mail within 30 days so that I could send them evidence of my payments made and I might hear something back 90 days after that but there was no guarantee. I would appreciate any help resolving this issue. Thank you.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (MI)

My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.