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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Consumer complaint received 2018-01-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My complaint is with Wells Fargo Bank # XXXX in XXXX XXXX, Texas. I have been battling this since XX/XX/XXXX when Wells Fargo let someone clean out my savings account while i was XXXX  XX/XX/XXXX thru XX/XX/XXXX. I went into the branch nearest me and filed a claim. The employee that recorded my claim had the details halfway correct. The claim should have been for {$1300.00}, but the teller made it for {$300.00} in which it was denied because the bank sent the thieves a replacement debit card and they used it to withdrawal money. So, a year later and I still have n't gotten my money back. And the kicker is I even have a police report on my identity being used.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Originally my student loan was handled by XXXX XXXX. It has been handled by Navient most recently. I have been paying on my loan for 14 years and I have noticed that the amount I still owed on my loan has been going up. I went from owing {$88000.00} to now owing over {$90000.00}. I have also just realized that my payment is paying the interest on the loan and almost nothing is being paid to the principal of the loan at all. I feel like after 14 years I should have paid some of the balance. My payment has been between $ 500-700 a month for the past 14 years. It is very distressing to learn I now owe more than I originally borrowed. I have tried to talk to them and keep getting a story of why this is and at this point I feel like I will never pay off my loan. I am in my XXXX 's now and I did not anticipate I would still be paying so much. I have no idea where to turn to for help and if it is even legal for them to do this.
Consumer complaint received 2017-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXXmy wife and visited a Wells Fargo Branch in XXXX XXXX, FL and tried making a cash {$600.00} deposit at their outdoor atm machine. At first the machine appeared to be working normally but it rejected a single {$20.00} bill for some reason and then it suddenly shut down and the screen became dark. I checked the other machine adjacent to it and it had a out of order warning on the screen. To be sure I entered the branch and was told by one the banks rep that she was aware and that it was temporary system failure and it should be back on in ten minutes and that I had nothing to worry about. The following day I received an email message from XXXX indicating that they were aware of my transaction but it would take 2 business days to resolve. On XX/XX/XXXXat or about XXXX I received a phone call from a XXXX rep indicating that she was calling to knowledge the problem but that it would take up to ten days to be resolved. She also mentioned that she could not discuss any issues relating to the transaction and that she was just calling to knowledge my complaint.To date this {$580.00} deposit has not been credited to my account and I feel quite frustrated with what appears to be a simple fix.
Consumer complaint received 2017-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX, 2017, I made two transactions. Both were selling Bitcoin. Both were for the same amount of {$140.00}. I received one deposit to my XXXX XXXX for {$140.00}. I never received the second amount of {$140.00}. I have sent coinbase over 10 emails. I had one replies from bot emails, but not one person has attempted to help fix my issue. I have copies of the transactions, and screenshots also. I have attempted to contact them via XXXX and have received NO replies. I want my {$140.00}. Coinbase has been growing to fast and cutting corners. They claim they have too many people submitting problems, but its been exactly one month and I have yet to have them contact me to resolve my issue.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (SC)

I paid my rent, put my rent in the drop box of XXXX  at XXXX XXXX. A week later I got an eviction noticed on my door, when I went to the office I seen other tenants where up there with the same issue. They then said someone broke into the rent box, and they wanted me to repay my rent again, and I refused to repay the amount so we went to court. The judge ruled that I wasnt in charge for the debt due to the fact I had my money order receipts and once the money was in the property drop box that they have for the tenants to pay there rent there responsible. Later found out it was an old employee who did it.
Consumer complaint received 2020-04-30
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. (ID)

Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to XXXX  and it stated it was removed. 
This account is not mine, because I have not had XXXX services. This account states it was opened XX/XX/2019. 
It is still being reported by XXXX and Equifax.
Consumer complaint received 2020-04-30
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. (NC)

Currently, XXXX  and XXXX  a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to Equifax about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

On XX/XX/20 & XX/XX/20 I attempted to contact citi bank regarding not working due to the corona virus. In the XX/XX/XXXX I went through their automated system for corona virus relief. It apparently did no good, as they started calling a few days later. Due date was on the XX/XX/XXXX. I sent them {$500.00} as soon as i could and they still continue to call and the outsourced representatives are of no help.
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: COOLEY ENTERPRISES INC (TX)

On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.
Consumer complaint received 2017-11-13
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. (NY)

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Consumer complaint received 2017-11-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax & XXXX to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax & XXXX the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Consumer complaint received 2017-11-12
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: BARCLAYS BANK DELAWARE (AL)

On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.
Consumer complaint received 2017-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I deposited {$2500.00} onto Coinbase 's proxy website called XXXX, and they denied me access to their trading platform. This means that I effectively lost the money if they do n't refund it back to me. I tried to contact them several times to no avail
Consumer complaint received 2017-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (MI)

In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (TX)

XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (SC)

I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Consumer complaint received 2020-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I am a second generation college graduate and Ive been struggling with NAVIENT for years. I was strongly suggested for years to request a forbearance when I was jobless and struggling to pay rent while working a full time job and to try different plans, which in my ignorance raised my interest and kept resetting my PSLF plan and recalculating my IBR. In XXXX I hit the tipping point and cried and sought legal counsel after I had saved up enough money to make an offer to payoff my loans. I was told that XXXX XXXX VP Navient would review my request. I called back at the end of XXXX to learn that he denied my request because I hadnt defaulted or been behind in years. I was told by the representative on XX/XX/2019 that if my account had been delinquent and I wasnt able to pay then he would have accepted my offer. To make sure I was getting the same story ... two other representatives said that it is typically NAVIENTs practice. As a XXXX XXXX American woman, it breaks my heart and makes me want to speak up for others who may not have the education nor desire to ask for justice and help. My scenario was I can only go to college with a loan at XXXX  so Ill start applying, I cant pay back the loan right away so I have to take a forbearance, I can start paying the loan but i wont be debt free until 20 years so Ill work for a non profit and do good in the world while hopefully getting my federal and maybe private loans forgiven, I save up money to be debt free so I am not a burden on my husband and our two girls .... and then NAVIENT gives me hopeless options continue to pay on the loan for 10+ more years, pay off the entire loan or become delinquent-Ness up your credit score and then theyll accept my lower offer. It seems like an injustice and abuse of power. I continue to pay monthly, because its my duty.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I received notice of a debt that is not mine. I wrote to the company within 30 days of receipt, as is my legal right. Today, I found my credit score has dropped by 27 points and this company was listed as the cause, having made a false report. I disputed this via XXXX. After having made the dispute, I noticed the collection agency reported this misinformation to XXXX   PRIOR to their even MAILING the letter to me. I believe this is illegal and want this removed from my credit report ( s ) IMMEDIATELY. My payment history is 100 % and I want this permanently removed.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

paypal has been holding on to {$500.00} for along time now about since XX/XX/XXXX2017 & one of the representatives on the phone said I could call back in 45 days which wasXX/XX/XXXX2017 I called them the next following day and they tell me a whole different story on why I ca n't withdraw my funds I gave them plenty of chances and sent plenty of emails saying I would file an complaint on their company but it seems they 're not taking me serious so this was the last option PayPal is the biggest scamming virtual bank there is
Consumer complaint received 2020-04-30
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: I.C. System, Inc. (SC)

On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Consumer complaint received 2017-11-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc (MI)

Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TN)

I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.