davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.
Consumer complaint received 2020-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, i wrote Transunion, in part : " To Whom It May Concern : This letter is in response to your recent claim file # XXXX that the following furnishers have verified that the accounts reporting under my name is accurate. 
Accounts : 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX # XXXX 6. XXXX XXXX XXXX XXXX # XXXX Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested, to be proved within fifteen days of the completion of your investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. '' I received a correspondence dated XXXX from Transunion stating that they completed an investigation for the accounts above and they verified them previously. On file number XXXX, the accounts they alleged were verified weren't updated as they would be if they were investigated correctly. 

1. XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 2. XXXX XXXX # XXXX Updated on file number XXXX, XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX It is my belief that an investigation was not completed for the following acoounts.
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

Fedloan - In 2017 a began a XX/XX/XXXX program. I did not realize this would start a forbearance. I called fed loan in XXXX ofXX/XX/XXXX the day after the payment did not post and learned of the forbearance. I spoke to an employee who told me I could have the forbearance removed, and I should continue maling payments as they wouldstill count to my public service loan forgiveness. I immediately sent in the form and continued to make payments. 
I have been trying since then to have not only that payment, but the next 3 payments count towards my total payments. I requested a review in XXXX and was told it would be addressed in 90 days. Today when I had a chat conversation with a fed loan employee. XXXX, she told me it was a minimim of 90 days. I am within a year of meeting 120 payments, and I still can't get this resolved. 

Additionally in my numerous phone calls to fed loan I have been told I would definitely qualify for TEMPSLF by one employee, and that I absolutely would not by another. 
This has been an extremely frustrating process. 

Beyond that, when I first graduated and tried to enter the program XXXX XXXX told me I was in and there was nothing I needed to to. After a year of this, I spoke to someone who informed me that was incorrect and I needed to consoldate my loans. It took 6 months to consolidate my loans and get into a qualifying plan. So I lost a year and half of payments due to misinformation and mismanagement. The payments I was making were larger than income based payments.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (TX)

Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 

Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
Consumer complaint received 2018-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IN)

XX/XX/2020, I attempted to fund my XXXX  wallet using my financial institution 's online banking credentials ( PNC ) only to receive a message stating that, " PNC has made a change that prevents you from being able to link your accounts. '' I contacted PNC customer service and spoke with a customer service representative that " looked into '' my account to see what could be causing the error. At this moment, XXXX EST, I still am unable to fund my XXXX account.
Consumer complaint received 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX  


MY ADDRESS IS 

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  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RFNA, LP (AL)

I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to Republic Finance. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a thousand dollars was made to the office of XXXX XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along with my savings, and the two savings accounts of my XXXX adult children. 

I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2020-12-09
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. (NV)

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received beforeXX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX  and Equifax in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Consumer complaint received 2023-01-11
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 sent in disputes along with the police report and XXXX, XXXX, & EQUIFAX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Consumer complaint received 2023-01-12
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: CITIBANK, N.A. (WA)

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (NV)

I am refinancing my home loan through Bay Valley, Lending who uses XXXX XXXX XXXX company. I was supposed to get a wire sent to my bank on Wednesday XX/XX/2020. As of XXXX XXXX  on XX/XX/2020 I still have not received the wire. The Title company has not received the funds to wire. I have called and e-mailed numerous times to get the status and was told they would get back to me. That hasn't happened. I am worried I have been scammed.
Consumer complaint received 2023-04-02
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. ()

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 SD 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 I have no knowledge of each of these accounts and have lived in XXXX for the last 13 years. All these accounts are fraudulent and I have never had a credit card in the U.S. since I moved to XXXX when I was XXXX. I have contacted these companies and was told I would receive a fraud package in the mail which I never received. I have also disputed these accounts with XXXX.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

XX/XX/20 : Opened Coinbase XXXX ( product division of Coinbase ) account ; verified all information requested including driver 's license & personal picture upload XXXX : Deposited {$70000.00} usd without any issue or indication that any information was lacking XXXX : Deployed deposited funds to purchase XXXX  ( at which point coinbase profited heavily off my transactions XXXX XXXX : Account was frozen without notice ; subsequent attempts to alter my held positions were unavailable as " trading was disabled '' on the account. 

After reaching out to Coinbase I have not received anything but a generic response from the company, despite numerous inquiries, as to why my account was disabled. As a result of not being able to manage and trade my positions, I have incurred {$1700.00} in direct monetary damages as of this submission. 

I have never experienced this type of customer service from a financial institution, much less one that allowed me to deposit significant money then freeze my funds only after they profited from deployment. I would like relief from this situation.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am the Personal Representative for the estate of my father XXXX XXXX XXXX. I submitted the required Letter of Administration and Death Certificate to a Branch Associate at the XXXX XXXX Bank of America. I was informed that a member of the Estate Services Department would be in touch with me. I have not yet heard form them. 

On or about XXXX the XXXX the Estate Department froze my father 's accounts. They removed the funds from his checking. This money is the only available cash which our family needs in order to handle bills which need to be paid and other accounts settled. 

I was told this could take up to 8 weeks. During this 8 weeks, Bank of America is continuing to allow interest to accrue on the HELOC my father had with them. I can not pay this off without the funds that were in the depository account. As far as I can tell the money they are holding hostage is not accruing interest. 

This seems to be somewhat questionable as far as legally holding the money. I understand how banks work. So I know they are continuing to use the money to lend to others in order to make more money. They are also continuing to essentially charge the estate for the loan he had instead of allowing me to close this out.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

On or around the end of XX/XX/XXXX, my wife spoke with XXXX XXXX and requested that all cable services removed from our account, they did not offer the channels we wished to watch and were planning to a web based service and wanted to keep the high speed internet service the representative was very rude and told my wife she was stupid to not keep the cable channels offered at which point my wife demanded that they turn off service and with in the week she took all cable and internet service boxes to the local office and dropped them off we were told when we dropped the boxes off we no longer owed any money. We then moved to another town as I work construction anyway I never signed a contract for anything I never received a bill stating that I owed anymore money. Until XX/XX/XXXX when it showed up as a collection on my credit report I have been working hard to improve my credit and this showing up like this has caused major problems for me and even though I know in my heart that I do not owe this debt I even called and offered to pay the full amount if they would remove it from my credit report at which time the representative informed me that they didn't do that Now I'm almost deaf but I informed him what point was it in me paying a debt I didn't owe if they were still gon na leave it on my account I understood him to say he didn't care jut wanted the money which is extorsion. I had also sent two letters to Convergent Outsourcing Inc. requesting verification of any money owed to them the sent an itemized bill that does not show the return of all equipment and does not bear my signature a teenager could have made such a bill at the library anyway I am just frustrated these people are ripping people off left and right and I pray that this complaint will resolve the issue. This is a small amount of money to be causing me such a major problem please help.
Consumer complaint received 2018-07-23
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. (GA)

Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Equifax declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble ....

XXXX is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Hi CFPB, I wanted to inform you of some of the misinformation and misreporting going on with XXXX XXXX XXXX and the Public Service Loan Forgiveness program. Recently, I changed careers from working as a XXXX XXXX XXXX in North Carolina. I worked in NC for five consecutive years with no breaks in service. During this time, I paid on my student loans every single month, automatic withdrawal. So it was roughly 60 payments, give or take. However, when I submitted my documentation to validate my payments for the PSFL. I was told that I only had made 30 qualifying payments with no explanation. This is not true, and it is either intentionally deceitful, or gross negligence. This incorrect representation of my payments would cost me thousands of dollars.

I have called 2 times and spoke to representatives who ensured me that my situation was under review and they had no other information. I also have emailed about my situation on 2 separate occasions with no response.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (IN)

I have requested my mortgage company, Stonegate Mortgage, terminate my PMI multiple times as we are below the 78 % LTV that is required. 
Everytime I call, they tell me they will the next month and it does n't happen. 
We hit 78 % LTV in XXXX 2017.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On Thursday, XX/XX/2018, I accessed TransUnion to get my free annual credit report. I was lead to a page where I had to enter my debit card information to access my score. The page did not have any information whatsoever about anything I would be charged, and I trusted that the company needed my card information since they're a credit reporting agency and occupy a position of trust. I entered my information and was presented with my credit score on the next page along with information telling me I had been charged {$19.00} and had ( unbeknownst to me ) opted into a credit monitoring service with a monthly fee of {$19.00}. 

Upset that I was charged for something I was given no information about ( so I could make an informed consumer decision with all the relevant facts and service information ), I searched for the unenroll page on the TransUnion site. I spent a very long time trying to find where I could unenroll from the service I wasn't even told I was signing up for. I finally found the unenroll option buried in a far corner of the site. The dropdown menu for reasons for un-enrollment asked if I signed up without knowing what I signed up for. This clearly means TransUnion knows they're profiting off of consumers by concealing charges and the purpose for those charges related to the free annual credit score consumers are entitled to.

I hope you can investigate this issue. I can not imagine I am the only person who has experienced this, and I'm quite disappointed that a credit reporting agency -- a company that has immense consumer trust -- is operating in a way that takes advantage of that trust.