davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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. (MS)

I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT EQUIFAX ON XX/XX/2021, XXXX ON XX/XX/2021, AND XXXX ON XXXX HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

180 days ban of my paypal account is over they even send me an email regarding it. They also said I can withdraw my wallet balance now but when I tried to withdraw it using the existing bank account it just gets denied days later and they removed the bank account. My problem now is I tried to add a new bank account but they won't let me. They keep saying I can't add because my account has issues and when I go to my notification it's just said the same notification I got 180 days ago that my account has been permanently banned. My question now is how can I withdraw my hard earned money?
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper Mortgage Lender recently aquired my loan from another lender. I did not receive information about this until AFTER the pay date. They never sent the information or payment requests. However, I did manage to figure it out and pay them ON TIME online on XX/XX/12. 

Then, without my permission, on XX/XX/XXXX, they withdrew money from my account. They made me pay my mortgage twice in XXXX without permission. My mortgage is not due until XXXX. 

This is a HUGE issue. You can't just go into someone's bank account when they have already paid their mortgage, are current with payments, and STEAL their money. I am filing a complaint with my bank as well. Because of their idiocy and greed and incompetence, I will be late paying ALL MY OTHER BILLS. 

This needs to be dealt with ASAP.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

This is not my account I.C. Systems # XXXX and did not have an opportunity to dispute, please remove this account ASAP. Also please provide the following : Method of verification Validation of Debt Assignment of Debt
Consumer complaint received 2020-07-02
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. (FL)

Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (MI)

I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.
Consumer complaint received 2020-08-21
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: CITIBANK, N.A. (CA)

I've got an on going issue with Macy 's that has cost me my financial life and credit worthiness. 

I've had a Macy 's card for over 4 years, and I personally have not used this card myself in a very long time. Mid last year, as I didn't even have this card in my possession, some charges came on that I personally never signed for. 

During this time, not only was my dad in the hospital who I was tending to, there was a FEMA natural disaster and state of emergency declared in my state due to EarthQuake activity. Due to this issue I was not made aware of any payment due and 2 late payments were incurred. 
Which tubbed my perfect credit rating and now my partner and I are left with not being able to qualify a mortgage loan.
Consumer complaint received 2020-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

I submitted one a few minutes but one to the email addresses is incorrect so Im starting over, respectfully. 
What happened? 

I have called Department of Educations and its many services. Hundreds of attempts later and nothing but run around and non truths I called Department of Education on XX/XX/XXXX. They wont even talk to me and refer me to many different services including XXXX. Im currently with Department of Education/Nelnet. Nelnet refers me to DofE and they refer me back to Nelnet. I asked Nelnet for the address to request my file contents and they could receive court documents and they had the nerve to tell me that they may not sign for anything. I like really. This is ongoing for so many years, so many different loan companies all along with Department of Education and no help. Im ready for court! I have been excited knowing that I will have my 25 years in XX/XX/XXXX. I have been on an income based since the beginning of the loan. Ive only recently been late a few times since they keep raising my loan repayments. I started repayment 90 days after my graduation in XXXX with Department of Education. Department of a education was good to me in the first few years. Now that Im close I starting really looking at how to apply for the loan forgiveness. Im looking into things and they have changed so much, like wrong dates and amounts, changes made without my approval, lies, etc. I have had increased that were 100 % at a time, and mainly my anniversary date on my promissory note was different that the 8 years later by Department of Education or one of its services. This makes me have to wait 8 additional years. Its like they are doing what they want to do with the loan to their benefit. Im so upset and have asked them for information and a copy of the promissory note, payment history, and negatives history, my file or record. Please help me if you can. I will wait to hear from you but trying to gather my data because if I dont get answers from them I will ask through the court suing them for allegedly altering my loan because I havent changed or signed for anything to change. I want to see for myself what they are doing and have done. I was pretty faithful through the 25 years. I took out this federal loan for XXXX balance post graduation. I have many receipts showing the discrepancies. So on income based payment plan after 25 years Im said to owe {$170000.00}. So Im a registered XXXX who always had to have income based. They just recently asked for me to fill out a form. I feel like Im paying to be a XXXX, in this much debt, credit impacted more than 125 points, paying highest interest for everything because of this impact and never been able to afford a down payment on a home. All to borrow {$30000.00} for school. Please help me obtain my loan information from them so that I may be rewarded for 25 years payments. I hope not to have to now fight for it. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-06-21
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. (IL)

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (VA)

I finance my new RV for {$16000.00} for 12 years with and interest rate of 6.75 % from bank of the west. I enroll in automatic payments of {$300.00} a month, with the first payment on XX/XX/2019. The bank has modified my payment to every other month to maintain the loan term. I have paid {$340.00} in interest this year alone. My goal was to pay the loan off quicker and to reduce the interest. The bank refuse to give me a amortization schedule for the loan and also refuse to give me access the a statements.The banks website makes it impossible to pay more than the minimum due automatically.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried to remove credit freeze on Equifax multiple times in XXXX, XXXX, their website shows an error when creating an account or trying to access credit freeze. XXXX and XXXX had zero problems. I called Equifax numerous times, had to be placed in tedious automated systems, and they requested more information for verification, which I have sent through fax, but never gotten a response. My credit remains frozen and I have ran into multiple declines when applying for a new apartment or mobile phone upgrade.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NC)

I checked my credit this morning to see a collection account added for XXXX XXXX through enhanced recover co. I spoke with this company today in regards to this debt that I have never received notification for. When I spoke with the agent he said that they sent me a letter and that they got my account in XXXX but when asked when they sent the letter he then took back what he said and said sorry we have never sent you notification Im not sure how this happened but have already placed this on my credit report
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Equifax Credit Information Services , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. 
This Company has changed the dates of this debt multiple times and on multiple documents. I have filed a complaint with the National Credit Union Administration, and I will be filing a complaint with the California Attorney General. Finally, I have contacted an Attorney who is awaiting the outcome of this dispute.

Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (VA)

I am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/XXXX I had a lease with Ally financial on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX Ally at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since Ally reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/XXXX.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (TN)

This debt was cancelled by Barclays Bank last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. Baraclay should be aware of this tactic and get rid of this debt since this issue has been resolved.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

My student loan servicer, Great Lakes, does not allow me the choice to pay off each student loan that was issued to me, which unfairly denies me the ability to pay off student loans that are a higher interest rate. I want to payoff several of my low balance student loans, and also strategically pay down my mid-larger balance student loan based on interest rate, but Great Lakes online does not allow me to choose which student loan to apply my payment towards. Great Lakes does not allow me to select each student loan to pay, or allow me to pay more on select student loan I choose based on interest rate. Even after my obligated monthly payments are made and satisfied for all student loans in a month, Great Lakes still does not allow me to calculate and pay off any of my student loans individually that are a low balance or higher interest rate. Great Lakes has a scheme in place that is perpetually keeping me in debt instead of allowing me the option to pay off each of my student loan debts in manageable and smart ways online. This Great Lakes scheme is exploiting me so they can get maximum interest and is making it extremely difficult to pay off each of my balances that can be manageable to payoff.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK (TN)

On XX/XX/XXXX, an overdraft fee was posted to my account. On XXXX XXXX, I have a balance of {$5200.00}, and my credit card companies pulled {$2000.00} out on the XX/XX/XXXX, however, due to Cadence bank 's technical issues, these charges were not processed or validated until later days, but were posted without showing up on the online banking app. The balance wasn't reflected correctly. The bank itself also has an alert message : Please be aware that some transaction data from XXXX may be unavailable to view in your online account. We are working to resolve the issue as quickly as possible. '' After talking a supervisor, they failed to honor the issues caused by their technical problems.
Consumer complaint received 2020-08-20
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. (FL)

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX  is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. Equifax is reporting the same as XXXX, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.