davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (WA)

I made a payment of {$380.00} to Discover Student Loans on XXXX XXXX, XXXX through my online banking. Without notifying me, Discover changed my account number, and due to the change, my payment was not credited to my account. I spoke with a manager on the phone, which is when I learned about the change to my account number. He then asked me to obtain a letter of remittance from my bank, which he said would help them track down the payment. He assured me the payment would be credited to my account as of the date that it was received. My bank mailed that letter to me on XXXX XXXX, and I uploaded it to Discover on XXXX XXXX. I have since emailed them 3 times through their online messaging system to ask why they have not found my payment and credited it to my account. Now they are telling me I need to call them if I want to discuss my options. I uploaded the letter from my bank again today. They have had my payment for over a month, have refused to locate and crefit it to my account, even though the entire situation was their fault, and they continue to make harassing calls telling me that i am behind in payments - which i am not! I expect them to find my payment, credit it to my account as of XXXX XXXX, and remove any interest that accrued on that missing payment in the last month! I also expect the harassing calls to stop, and for them to remove any negative information they sent to credit reporting agencies!
Consumer complaint received 2020-09-12
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. (NC)

I have notified this bureau about fraudulent information reporting to my credit profile. The information, ation being reported on my credit do not belong to me and as the fair credit report section 605 states that I have the right to have this information removed immediately.
Consumer complaint received 2021-11-26
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: Navient Solutions, LLC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

Hello, on XX/XX/2020 my bank account was compromised ( pnc bank ) for the amount of {$1800.00}. {$800.00} was a cash withdrawl which pnc gave me provisional credit. The other amount for {$1000.00} was in the form of a XXXX transfer which i have disputed twice and turned down. I have never used XXXX at all. With additional notes on the second dispute i was turned down again. I never authorized this transfer. My local bank manager said there was nothing else i could do. Therefore i am filing this complaint and asking for help in this matter. I feel my bank has let me down after being a loyal customer for seven years.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (TX)

This company CAPITAL ACCOUNTS have send letters to my house informing that i have to pay a debt that I do not recognize, information as follows : Account NumberXXXX, Account TypeCollection, Responsibility Individual, Date Opened XX/XX/XXXX, StatusCollection account. {$750.00} past due as of XX/XX/XXXX. 

I called them and informed that I have never visited the MD they are saying, I provided my SSN and my Date of Birth and they told me that effectively I'm not the person they are looking for. However they insist on keep the negative record on my credit report. I disputed 3 times this account for the same reason thru XXXX  but they ( the collector ) don't want to remove the collection from my credit ( remains in every single dispute ) which is hurting my credit record. 

I need this company remove this collection from my record since I'm not the debtor neither my SSN nor my DOB coincide with the real debtor.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (IL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On or about XXXX, I accidentally locked my COINBASE account. I have had no access to my account or my money since that time. I am completely locked out and have submitted a case file for help. I have called 4 times since then and each time I call I am assured my case is being escalatedand to please be patient and wait for a response.. I have repeatedly submitted my DL and selfie photo numerous times, and each time the identification software rejects it. I need someone to help me regain control of my account.

I can not file taxes until I can access my account and have no means to see what has occurred with my account. PLEASE HELP!! The promises I have been given that this will be rectified have all failed. I am at my wits end and am in desperate need of access to My Money!!

This is inexcusable and there should be a laws that protect investors from non-responsiveness. I am completely at the mercy of Coinbase and then are not responding. 
I need to file taxes!! 
I need my money!! 
I need legal assistance. 
HELP!!
Consumer complaint received 2017-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (NY)

This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report I noticed there were XXXX XXXX XXXX on my account not mine. The XXXX XXXX I used over 5 years or more ago was different from what's being reported on my current report. 

I asked the account specialist to remove them because, first they are incorrect. Second, I only had one and my report is showing 2 erroneous XXXX XXXX XXXX. Third, the box is not mine any longer it belongs to someone else. Fourth, the XXXX XXXX is outdated information that should be deleted and I asked her to remove the incorrect and outdated XXXX XXXX . 

She flatly refused and arrogantly said she chose to keep it on because of my past history of having used a XXXX XXXX . 

My past shows I lived lived at other residences over 3 years but they are not my residences currently. What that has to do with reporting correct up to date information and not what someone feel like reporting. Very inappropriate behavior for an employee responding to the public.
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Equitable Acceptance Corp (NC)

Referring back to my complaint with Equitable Acceptance, complaint number XXXX, the company responded saying I DO NOT OWE THEM. Yet i am still receiving phone calls and emails that need to stop. My credit reports have yet been updated with them being no longer on there. The credit bureaus said they would have to contact them themselves and remove it from my credit reports. I have proof of the voicemails and emails that still keep coming to me.
Consumer complaint received 2017-12-08
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. (NY)

Hello, My credit report shows several XXXX records of late payments. They are all related to the student loans I obtained from XXXX XXXX XXXXXXXX. These records are incorrect. Attached please find the bank statements and loan approval / disbursement letters from the school that show the amount owed and lump-sum payment I made in-time.
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Monterey Financial Services LLC (VA)

XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX. 
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it. 
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such. 
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct. 
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf. 
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone. 
-There is a stop payment on my account so no money will be taken out anymore. 
-My bank filed a complaint also. 
-Now I am being harassed with phone calls stating this matter will be given to collections. 
-but, I am confused of how if this is fraudulent activity.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NV)

Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (GA)

Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used XXXX XXXX and SagaStream, LLC. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( XXXX XXXX and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kevin B. Wilson Law Offices (FL)

I received a letter from Kevin B. Wilson Law Offices XXXX XXXX XXXX XXXX, Tennessee XXXX This to the best of my knowledge this is a fraudulent claim. I attempted going through their website, through Email, Phone All reach to a dead-end. Unable to contact them. 
Letter sent to them asking for a detailed itemized bill, had no response. 

I believe this is a deliberate attempt to defraud by the hospital and the collection agency that is representing them. They have been paid in full for the services ( XXXX billed excessively, and unnecessary services ). They have a contract with my insurance company, and they are charging beyond that allowed by their contract. 

XXXX Hospital has made it a routine practice to charge beyond their insurance contract allowable amounts and adding XXXX fraudulent and medically unnessary tests and services. They refuse to provide information on the charges THIS IS A FRAUDULENT BILL AND AN ATTEMPT TO COLLECT BY HARASSMENT. 

if this is a legitimate bill, they should go to small claims court or other legal avenues. 
I am unable to contact them by Email, Phone and by mail.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX days late in XX/XX/2021, 60 days inXX/XX/2021 90 days in XX/XX/2021, 60 days in XX/XX/2021.
Consumer complaint received 2021-07-13
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: JPMORGAN CHASE & CO. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MOHELA (CA)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MOHELA/DEPT OF ED Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

XXXX XXXX
Consumer complaint received 2017-10-14
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. (TX)

These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention