davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FISERV INC. (ID)

My ex stole my mail containing my stimulus debit card, she used my social and information to setup an online bank account and then transfered all of the XXXX into her account and I provided proof to bank it was her, ( texts from her asking me to work with her and not to press charges for her stealing the money ) the bank refused to credit my account even after filing charges against my ex. I did not setup the account or transfer the money.
Consumer complaint received 2022-10-26
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)

More than 30 days ago I asked Equifax to verify and fix an error in my credit because the XXXX XXXX  account appears as ( open ) and with balance when in fact that account is closed and paid, I include here proof that that account already It is paid and closed. See attached documents, i included my id and SS for verify my identity
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KY)

NetSpend has been getting my government XXXX check for years they've been very rude charging fees that was not discussed in their fine writing in terms and now they've kept {$5000.00} of my money. And now it's cold out and I'm homeless because of them I don't have friends or family they're all passed away and that's my XXXX check and they think it's funny they said that they close my account and I no longer qualified for it
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX, I alerted Wells Fargo Auto that the information being reported to the credit bureau regarding my vehicle loan is not correct - my balance with the credit bureau has not been updated since XX/XX/2020. The reply I received was that my balance is reported each month, to the credit bureau. This is clearly not the case and I can not get Wells Fargo to update my credit report, monthly, with the correct information. 

Thank you.
Consumer complaint received 2021-03-13
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. (NJ)

I have been writing to Equifax from XXXX concerning some accounts on my credit report reporting as collections with account numbers- XXXX and XXXX with opened dates from XXXX. 
These accounts have no names, no balances and no contact information and yet they are still being reported on my credit. It has been causing me much stress because I know I do not owe or have any collections. 
Equifax is also reporting late payments on my credit report when I was never late with a payment on any of my accounts.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a Chase credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.
Consumer complaint received 2021-09-08
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. (CA)

I have contacted Equifax several times with my updated personal information in an effort to report fraudulent accounts in my credit file. They have updated the address I provided, then sent a postcard stating they don't have an account in my name. 
Equifax 's failure to follow federal laws written to protect victims of identity theft, they are engaging in defamation of my character and engaging in third party debt-collection activities over unverified debt. Equifax continues to state that they do not have a file in my name, however I have proof that they have my name listed in my credit file, and are failing to update it as my current name. After updating the Equifax several times and providing documentation of my name change, they continue to refuse to update it. The other major credit bureaus, including XXXX and XXXX have updated my information. This leads me to conclude that Equifax is knowingly and willfully engaging in identity theft, fraud, and use of my private information without my consent. Their automated system is failing to provide the required protection written by federal laws. 

Additionally, Equifax has failed to follow FCRA, FACTA, and E-OSCAR guidelines which state that information reported from identity theft must be blocked within 4 days. I have proof and record that Equifax received proper notice pursuant to federal law requiring them to block the fraudulent accounts. They have also failed to include a fraud alert, while the other major bureaus have updated my account with the fraud alert. 

Equifax additionally is obtaining information under false pretenses which holds them liable under title 18. Equifax has produced consumer reports to creditors whom submit application using my new name, which Equifax has also stated to me that they don't have a file on. How could a creditor pull my file using the same name I am using to contact the bureaus and these creditors are given access to my private an person information, but I can not access my file using the same information? 
I am prepared to sue Equifax if they continue to engage in criminal activity that is harming me and my reputation, for their engagement in third-party debt collection of unverified debt and for failing to following the federal laws that were written to protect me from this exact behavior Equifax is engaging in. 

I have record of all contacts between Equifax and myself, including certified mail return receipts and a Notary witness who signed that the relative documents were mailed out and received.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I discovered that someone within Coinbase had made several unauthorized transactions on XX/XX/XXXX. I was shocked because my account balance just dropped {$1200.00} while the Bitcoin is still going up and I did not do any transactions in my account. The balance should be {$6200.00}, not $ {$4900.00}. It appeared that they had sold my positions in Bitcoin and Ethereum and used the credit to purchase other Altcoin positions of cheaper value. They even accessed my linked checking account to pull additional funds for these purchases. I emailed their support team to refute the transactions and my account was immediately disabled on XX/XX/XXXX. I then contacted my bank to complain about the unauthorized access to my account and they reversed the transactions and returned the funds. I changed all my passwords and user names as instructed by the Coinbase support guidelines and attempted to re-access my account. The next Coinbase email I received instructed me that it would take 9 business days to re-activate the account. On XX/XX/XXXX, I received an email from Coinbase saying " Funds recovery complete '' Sign in to Coinbase but the reset passwords link to sign in are not even working. Over the next few days, I received some robotic emails with a link instructing me to furnish additional funds to the account in order to re-activate it. Instead, I responded with the original complaint about the unauthorized transactions and requested that they restore all my original positions in Bitcoin and Ethereum along with my access so that I could continue trading. I have not received any further response and now my emails are getting bounced back stating the email address I was replying to doesn't exist.
Consumer complaint received 2021-09-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (CA)

Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also
Consumer complaint received 2021-09-08
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. (NC)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA STATE EMPLOYEE # XXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX XXXX # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXX # XXXX {$350.00}, XXXX # XXXX {$170.00}
Consumer complaint received 2021-09-08
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MA)

Started at XXXX XXXX in XX/XX/XXXX. This school has now been declared fraudulent. They signed me up in financial aid for a couple government loans but then said that those ran out and told me they have a new government funding. I was under the impression it was Sallie Mae. They said because it was different requirements that I would have to have co signer. I asked my dad, he signed thinking it was a federal loan as well. They had me sign these 5 times over my time at XXXX. There was them 5 loans. When I graduated ( XX/XX/XXXX ) and began getting my bills I realized they were private loans. Originally they told me I owed {$65000.00}. Then it went to {$55000.00}. I kept putting them in forbearance at Sallie Maes request because I could not afford the $ XXXX/mth payments. This went on for a couple years. In that time they changed to Navient, they appeared to be working with us. They were receiving payments for $ XXXX/mth for interest only payments. Overall balanced still went up as well. When that agreement ended they wanted {$1000.00} a month. Again, we could not afford that so they threatened us with lawsuits, liens on my parents house, garnished wages. They called my company, family members I have no contact with. Twice over the next 3 years they agreed if we could give them lump some they would discharge the loan. First time was for {$4000.00}. My father paid. They said we misunderstood the agreement, continued to report us to credit agency, call company/family members. The last time was in XXXX of XXXX. They said if we paid {$7000.00} the account would be settled. This was after threats of liens, garnishments. By this time we contacted the attorney general of our state Massachusetts ( XXXX XXXX ). They advised us to get this agreement and writing and said because this was a private loan they were limited, but received many similar complaints. Advised us to join class action suits. We took out a loan of {$7000.00} from our XXXX that we are still making payments on. After they received that, we didnt really hear anything. They continued to negatively report us to credit bureau and even sold the debt to multiple debt collectors. We are still being threatened by those companies. We tell them about agreement and they said they have valid claim to debt. This has destroyed our credit, which made it hard to get anything including mortgages/ car loans. When we did received any credit it was at a ridiculous interest rate. These loans ruined our plans at life as far as building a life for my family.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

iam new account to binance. 
i sold XXXXusdt ( value of XXXX ) to a " verified merchain '' in XXXX  on XXXX. 

XXXX transaction was hold, but than soon removed. 
everything seems fine, and i release the coin. 

XXXX XXXX after the crypto is released, the buyer claim that he never received the item. 
" Your buyer filed a claim. 
The buyer stated that they never received the item. Please help us to resolve this issue by logging into your Resolution Center and providing us with any information that can assist us with our investigation. 
Please understand that until our review is complete, we will hold any funds associated with this transaction. 

XXXX XXXX has requested a refund of XXXX EUR. Transaction Details Case number : XXXX Transaction date : XXXX XX/XX/2021 Transaction amount : XXXX XXXX Your transaction ID : XXXX '' XXXX XXXX the case is closed " We've closed this case Transaction details Case ID XXXX Buyer 's name XXXX XXXX XXXX XXXX email XXXX XXXX 's transaction ID XXXX Transaction date XXXX XX/XX/2021 Transaction amount XXXX XXXX Your transaction ID XXXX Dispute amount XXXX XXXX '' XXXX XXXX the buyer has changed the reason for this case. The buyer stated that they did not make this purchase. 

XXXX paypal decided the case in my favor " We've decided the case in your favor If there was a hold on this transaction, it has been removed. '' XXXX the case is opened again after decided for my favor. 
We're writing to let you know that a payment you received was reversed by the sender 's financial institution. 
Although we're required to return the transaction amount to the sender 's financial institution, we don't debit your PayPal balance if the transaction is covered by PayPal Seller Protection. We'll accept any documentation that shows the shipping date, the shipping address, and official acceptance ( like a postmark or receipt ) from the shipping company. Proof of delivery is an acceptable alternative to proof of shipment. 

XXXX paypal decided that Transaction not covered by PayPal Seller Protection We completed our review of the case outlined below. Unfortunately, we are unable to reimburse you because the transaction was not covered under PayPal Seller Protection for the following reason ( s ) : We were unable to verify the delivery information you provided. 
and my account was charged for negative for no reason.
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2019 I logged into my citimortgage account to pay my monthly bill of {$1100.00}. According to my lenders citimortgage website, a transfer in the servicing of my mortgage loan has taken place. Big surprise to me. I am unable to make my usual citimortgage payment online and have been directed to contact XXXX. 

Due to my work schedule it has been difficult for me to reach XXXX and upon registering my loan with their website I receive an error message stating that XXXX has no recognition of my loan. 

I was not notified by citimortgage of this transfer. I was not given notice.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (TX)

I got my Barclays ' XXXX XXXX  XXXX Credit Card application from XXXX XXXX Stewardess on my return trip from XXXX XXXX to XXXX XXXX XXXX XXXX. I filled and sent my application in around XXXX XXXX, 2021 and got no replied answer. Later, Barclays sent me a letter to ask me to certify my citizenship in their supplied return envelop. I didn't find any return envelop but replied with my personal envelope, On XX/XX/2021, Barclay sent me another mail to ask me to call XXXX in 30 days to verify information listed on my application. If I didn't call in 30 days they will be unable to consider my application. I called on XX/XX/2021 around XXXX ET to that number. It put me on hold for more than one hour without any answer. I called again on XX/XX/2021 XXXX ET and left with my phone number. Someone answered and asked my SSN and DOB and then put me on hold for 45 minutes, then another agent answered and asked my SSN and DOB again and told me that he couldn't open my application and put me on hold for more than one hour. I guessed that Barclay didn't like to approve my application of credit card but couldn't find any problem with my application. I got excellent credit score about XXXX. Barclay just tried to discourage my effort to get the credit card. My phone number is XXXX. My email is XXXX. FYI my application No : XXXX and my name is XXXX XXXX XXXX. Please help.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VT)

This is part two. Part one was Complaint ID XXXX. My loan is on the XXXX plan. Part one was about the servicer trying to say I made less payments than I did. 

Now, even though they said I made XXXX out of XXXX payments, they are telling me I need to send income tax info from XXXX. I mailed a set on XX/XX/XXXX. Then they said my IDR request was denied because they didn't get my tax forms. So then I emailed them to MOHELA on XX/XX/XXXX. 

Now they sent me a letter dated XX/XX/XXXX saying " We apologize but we are unable to grant your request for an income driven repayment plan. '' Then it said " A forbearance may have been granted for up to 60 days. '' I heard that this is called FORBEARANCE STEERING and it is illegal. Can I sue MOHELA for doing this?
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

On XX/XX/2022 I received a grant from my XXXX for XXXX $ from XXXX. And I informed my bank that I was expecting these funds to come available and that I needed them to be available to me due to a housing emergency and other coinciding events that have progressed. They used the funds before I could even get an alert that they had been used to pay back a provisional credit which had been reversed within minutes after receiving the already delayed payment for Temporary Assistance for Families in Need from the American Rescue Plan grant I received