davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

a credit fraud alert was placed on my credit with EQUIFAX over 7 years ago. I have tried to remove this fraud alert with equifax numerous times, after 7 years this fraud alert should no longer be active, it causing harm to my ability to open credit and it is inconvenient. Equifax does makes it hard for fraud alerts to be removed, I am not able to get my free credit report as the law allows it due to this fraud alert.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.
Consumer complaint received 2020-06-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (NC)

I was unlawfully charged XXXX By the Department of U.S Education. 

I contacted the department of U.S education on XX/XX/2020 via certified mail ( XXXX XXXX XXXX XXXX XXXX ) with a notarized affidavit attached. 

I have yet to hear a response Validation of the assumed debt owed its been 30 days. 

Title 31 U.S.C sec. 3123 Title 31 U.S.C sec 5103 Title 18 U.S.C sec 8
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (WI)

I had a mortgage bought & serviced by Seterus , Inc . I received an email from them on XX/XX/XXXX that stated if I paid off the late fees I would receive a discount of 50 % of these fees if paid by XX/XX/XXXX. I contacted a rep ( either XXXX XXXX or XXXX XXXX ) on or about XX/XX/XXXX regarding a payoff as I was in the process of selling the home. After extended periods on hold and questions I was assured that I would receive an escrow refund as well as the late charge refund within 30 days as required by regulation. I had issues with his responses and asked to speak with a supervisor ( XXXX XXXX ) who indicated the same. I paid off the loan in full ( including the full amount of late charges ) on XX/XX/XXXX. I received a check ( with no explanation or accounting whatsoever ) that stated " escrow disbursement '' with no refund for fees. I spoke with a XXXX XXXX   who indicated I would need to send emails to his legal department to receive my refund. I asked to speak with his supervisor ( XXXX XXXX ) who tried to explain that there is an issue that I paid in full rather than just the late charges. The email did not specify any of this and again I was promised by several employees I would recieve my refund within the 30 day regulatory period. I indicated it was their ( Seterus ) issue and they should talk to legal. He refused and I asked to speak with his supervisor ( XXXX XXXX ) whom has not called as of yet. I do not feel like I need to battle their legal department for the refund they promised several times. I can forward all information including the refund email along with loan # 's etc. if necessary.
Consumer complaint received 2019-02-18
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: ID Analytics, Inc. (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and  I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned. 
please i want to close my account or let me do that my self.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report thatare incorrect and need to be removed immediately. The following are the incorrect itemsand I am demanding that they be removed from my credit report. 1. Collection account witha partial account number of XXXX  for $XXXX this account is being reported incorrectly.This account was paid off but you are still incorrectly reporting it. I am demanding that youcontact the original creditor which looks to be a medical collection and request validationon this debt. If the original creditor is no longer paying you to report this information andthey can not supply you with the original documentation then you are in violation of theFCRA and I will sue you for wrongfully reporting information against me which is $XXXXfine per violation. 2. Collection account with a partial account number of XXXX  for $XXXXthis account has the same historical reporting as the above account and I am demandingthat it either meet all FCRA requirements or remove it immediately. Each bureau is herebyrequested to provide me with physical proof that these collections are in fact beingreported correctly or remove them immediately. 3. Bankruptcy: Chapter XXXX discharged. Icontacted the US Bankruptcy court and asked them if they reported this information to thecredit bureaus. They told me that they do not report any information of this kind to thebureaus. After further research it looks like a company called XXXX  or XXXX XXXX is theone that reported this information. On my credit report you are saying that the USBankruptcy court is the one that has reported this information and that is not true sotherefore you are in violation of the FCRA by reporting false information regarding whereyou got this information. Also Equifax is saying that it was a Federal Bankruptcy and that isnot true so you are reporting incorrect information on all fronts and I am now demandingthat you remove this Bankruptcy from my credit report along with the two adverse, incorrectcollections that you are reporting. You are all in violation of the FCRA and I will pursue legalaction if the 3 accounts listed are not removed by all 3 credit bureaus.
Consumer complaint received 2020-05-10
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Betterment LLC (NJ)

XX/XX/2020Someone gained access on my betterment cash account. Link their external account to my betterment account and transfer all the money amount {$390.00}. I did not receive any email about linking the external. But I did receive email about transfer were made from my account. I checked email 2 day after the transfer was made. I called betterment to inform I did not make any transfer. Betterment try to retrieve the money back, but they could not do it. They also inform me they are unable to help on that matter and can't reimburse any money.
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Once again, Nationstar Mortgage DBA Mr. Cooper has misapplied my monthly mortgage payment. I pay extra every month so that I can get the mortgage paid quicker, however, Nationstar has a habit of applying the extra payment to my next month 's payment and advancing the due date instead of doing what is clearly stated in the payment instructions on their website, which is to just pay extra to the principal. I have had this corrected by Nationastar in the past, however, it seems as though it is policy on their part to continue to misapply payments in an effort get extra interest income instead of correctly applying the payment. Granted, they generally do fix the problem, but only if they are called out on their mistake. The CFPG should verify whether I am the only person they are doing this to or if there are others as well. I have attached a history of my loan showing the mistake they made on XX/XX/2020 and the previous mistake that they corrected from XX/XX/2020. The same error was made both times, the misapplication of my payment by advancing the due date, when I wanted the additional funds to go to principal only. Thank you!
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NJ)

My wife and I received a notice of debt from AssetCare LLC dated XX/XX/XXXX. I called them XX/XX/XXXX and informed them that the information provided didn't provide enough information for us to verify the debt was valid. I was told to email their company and did so on the XXXX. I followed up with another call on XX/XX/XXXX when I did not receive a response and was told that sometimes it takes a while. They still have not been able to provide that information. The initial paperwork also did not have all the legally required declarations about disputing the debt. They called me XXXX and I returned the call XXXX and told them that since the debt was over 6 years old and that they hadn't responded to my request for documentation that I would not accept any more communications from them and would be making a complaint.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

I have a complaint against IC Systems Inc in XXXX XXXX Minnesota they're collecting on a XXXX debt I have a letter from XXXX which states if I return my equipment they would not pursue any collection I returned my equipment and now here I have this collection on my credit report I sent that letter to the company as well as XXXX  and they are still leaving it on my report a 2nd problem I have is they say i opened this account in XXXX which I did not it was XXXX also the collection has it as opened in XX/XX/XXXX none of that is true.
Consumer complaint received 2018-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that Equifax would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I opened an account online and then I went in to the XXXX XXXX, OH location where I deposited some money into the new account. They ordered me a card and took my cash deposit. This was on Saturday XX/XX/XXXX. I was led to believe I had an atm debit card coming so I ordered checks for the account and made arrangements for my  paycheck to be direct deposited. Now I find out on XX/XX/XXXX that they have closed my account, kept the money I deposited on Saturday and also are keeping my direct deposit from my employer that was direct deposited on XX/XX/XXXX and will not give me an explanation as to why my account was closed or give me my money back.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

I received a letter from XXXX XXXX XXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
Consumer complaint received 2022-01-05
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: DISCOVER BANK (NJ)

A Discover card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, Discover is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the 2 Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Consumer complaint received 2020-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

I have had a student loan since XXXX at 2.125 %. It was unfortunately sold to Navient years back and have been paying {$320.00} since XXXX. 

Then Covid19 came and then student loans were suspended I just received a letter saying my interest rate is now 3.125 % and my monthly bill for the next 137 payments is now {$340.00}. 

This may have been a clerical error on Navients part. However trying to get a competent customer service rep on the phone is impossible even if the situation is explained multiple times. 
In addition if this was an error, how many other errors have they made?
Consumer complaint received 2020-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent several dispute letters to Equifax on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2020-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Midland Mortgage Company is charging me double the money needed for my Escrow Account. They put My family and I in a foreclosure status, base on the wrong figure. I have spoke to people in the Customer Service department, and in the Escrow department no one would help me, just giving me the runaround. I also sent them supporting documents to prove my case, they took no action.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NC)

I was added as authorized user on XXXX Barclays Bank of Delaware card on XX/XX/2019. He went threw a financial hardship which he wasn't able to pay bill. I'm in process of getting a home and need my information remove. I've called company several times also sent letter for removal nothing happen.
Consumer complaint received 2020-08-19
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}
Consumer complaint received 2021-01-20
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. (FL)

Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.