davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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: Conn's, Inc. (LA)

I have contact Conn 's, XXXX and XXXX concerning incorrect payment history reporting by Conn 's to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from Conn 's or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of Conn 's and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Consumer complaint received 2020-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (MI)

I received notification from the IRS on XX/XX/XXXX regarding tax year XXXX stating Citibank reported a cancellation of debt ( Form 1099-C ) on XX/XX/XXXX in the amount of {$4800.00}. 

I did not receive a Form 1099-C from Citibank notifying of debt cancellation. 

I contacted Citibank regarding this debt and was informed the debt was sold to XXXX XXXX. 

I contacted XXXX XXXX  and according to XXXX XXXX  and documentation received, this loan was paid in full, not cancelled as reported by Citibank.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NM)

On XX/XX/XXXX, my two factor authentication stopped functioning. 
The code on my phone authenticator would not sync with the website XXXX. 
I attempted to reaccess my account, could not, so I contacted Coinbase to notify them of this, and to request assistance. 
They notified me through Case # XXXX to : XXXX ) Go to the Coinbase login page on a desktop or mobile web browser XXXX ) Enter your email address and password ( this will prompt the self-recovery process ) XXXX ) Complete 2-factor authentication I notified them that I no longer have access to my authenticator app. 
Every area of the site that a customer is sent in terms of no access to 2 factor authentication, in order to resolve the issue, it asked you for your 2 Factor Authentication code. It's a loop that has no solutions. 
I contacted them again and requested for 2 Factor Authentication disabled from my account so I can verify my identity. 
No response. 
I went online, began researching, was led to XXXX where Coinbase has customer service - they have not responded to posts or chats. 
Since XX/XX/XXXX I have transferred {$6200.00} to Coinbase that I now have no access to and they have no provided me a path to access my account. Based on their reputation, and that they have no responded to my inquiries through their XXXX, I am filing this complaint. 
I have also filed with the state of New Mexico AG.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

The mortgage company has acted against me ( consumer ) with malice, shady and unfair practices, without due process and notices. It was a surprise to me that my mortgage company paid XXXX XXXX taxes : the date to redeem this is XX/XX/2020. I was aware and planning to pay off my taxes. Without my due knowledge and information, the taxes of {$12000.00} were paid in XX/XX/2020 by the mortgage company, from my escrow account of {$0.00} balance. Since then, no notice, information, or communication has been provided to me on how to manage that tax payment. My request for forbearance due to COVID-19 was approved, beginning XX/XX/2020 for 3 months, in an acceptance letter dated on XX/XX/2020 ; this letter clearly mentions my terms, to pay {$1100.00} per month. It is unethical and also could be illegal to raise my payment from {$1100.00} per month to {$5800.00} per month ; a raise of 518 %. It is a violation of Consumer Protection laws by not warning the borrower ; it is a tactic and a game play to inflict hardship added upon this COVID-19 crisis to the consumer. I received a second notice in regards to forbearance acceptance, dated XX/XX/2020, confirming for a second time my regular payment amount of {$1100.00} was beginning XX/XX/2020, for 3 months. I received a XXXX notice dated XX/XX/2020, that my monthly payment would be {$5800.00} per month, beginning XX/XX/2020. It is a clear violation of several laws, particularly the Truth in Lending Act ( TILA ).
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

IDENTITY THEFT NOT RESOLVED Source Equifax XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX NC Zip XXXX
Consumer complaint received 2022-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

Two or three weeks ago I reached out to my student loan provider to get my Master Promissory Note ( MPN ). I asked for this because I belong to a small group of FFEL loan holders who, for years, have been unable to separate loans from spouses/ex-spouses, consolidate their student loans into direct loans and apply for the Public Student Loan Forgiveness ( PSLF ). 

However, the good news is that Congress recently passed legislation XXXX XXXX XXXX XXXX ) that will enable me to separate my loan from my ex-husband 's loan amount and finally consolidate my student loan into a direct loan to apply for PSLF. 

First, however, I need my MPN to determine which portion is mine. 

I hope that you can help me obtain my MPN from my student loan company.
Consumer complaint received 2021-11-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (MI)

I am a consumer of the United States Corporation. Fed Loan has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/202.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Hello, happy Sunday. To my dismay, I woke up this morning, checked my chase app, and found that not only have they not transferred the money I requested, they have now locked my account, too.
Consumer complaint received 2020-07-20
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. (TX)

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Consumer complaint received 2020-07-20
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. (TX)

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX PA  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Consumer complaint received 2020-07-21
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: LEXISNEXIS (CA)

I recently learned that a Judgement was placed on LexisNexis report, from XXXX, I have no knowledge of, that is hindering me from refinancing my home. I suspect identify theft. 

I never knew I had ( or heard of ) a LexisNexis credit report. XX/XX/XXXX, I learned from my lender that a company, XXXX XXXX XXXX XXXX, filed a Civil Judgement against me in New York. LexisNexis has sent me a copy of my report ( see page attached ) stating that the filing number and the amount was for {$150000.00} in XXXX XXXX XXXX XXXX, XXXX, NY. It also has a company name listed that I incorporated in Nevada but closed in XXXX XXXX attached ) and I usually go by maiden name for business this is listed under my married name. 

This judgement has NEVER appeared on any of the 3 main bureaus. I'm curious as to why, if it's suppose to belong to me, it was filed in New York. I've always lived in California. I've never been to XXXX, NY. I don't know where it is. I've never heard of this company. I've tried to request information on the account, they're crediting to me, from the company but haven't found a way to communicate. Everything I've seen concerning them says they're out of business.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

On XX/XX/2020 I received an email from Chime Bank stating they would be closing my account. They never gave me a reason and now everytime I try to call them it says they recognize my number and my account is closed if I have any questions to email them. Ive emailed them several times with no response. I need my money
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Good morning, I arrived in the USA in XX/XX/XXXX and I immediately applied for an insurance trough Healthcare.gov ( XXXX  ) but unfortunately I couldn't apply till XX/XX/XXXX. So I decided to renew a traveler health insurance that I had in order to be covered. In XXXX I had an accident ( a XXXX XXXX XXXX  and I went to the Hospital. I gave them all the information about my insurance and I was cured. In XXXX I obtain an insurance with the Healthcare ( XXXX that is my insurance provider ). Few months later I received a bill for the entire amount from the Hospital and I call them several times in order to collect the money from my insurance. I absolutely don't recognize the debt because I was fully covered by an international insurance and I can not be responsible for the hospital accounts receivable.. I'm not a collector. In XX/XX/XXXX I moved to XXXX so probably all the communication arrived in XXXX where I was living a couple of months. I was a credit officer in XXXX and I moved here in USA to have a better future for me and for my family. My credit score was excellent ( XXXX ) and I decided to buy a house because I had finally a good credit score and I was working for an international company for more than one year so I had the requirements to apply for a mortgage at good rates. Yesterday I received a notification ( from XXXX  ) that I had a collection account. My credit score dropped by 83 points to XXXX and it's for a debt that is not due.
Consumer complaint received 2020-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

Horrible experience! New American Funding caused us to lose XXXX in opportunity cost on a failed refi, and 4 months of heart-ache. Dont be fooled by advertised rates or promotions. RUN AWAY and use a local lender! 

We initiated a cash-out refinance in XX/XX/2019. We had a deadline of the end of XXXX because of new purchase that would be closing at that time. We communicated our situation to the loan officer (  XXXX XXXX ), and they said it would be no problem closing in time. Suffice to say, their incompetence delayed our refi closing. We even signed closing papers and then they never funded the loan! 

We have a log of over 20 phone calls ( hours and hours of wasted time ), several mistakes and outright lies. Half way through the process my loan was transferred to a manager ( XXXX XXXX ) because of all the issues we were having, but things didnt get better, they actually got worse! 

What they told me on the phone, never matched what they sent in writing. We nearly were not able to complete our new purchase, and we were never able to complete our cash out refi. New American is refusing to make it right, and now because of COVID, the lending market has changed, and I cant even find another lender to do the refi anymore! 

I called and complained to everyone in the company that I could get ahold of, including a customer service manager ( XXXX XXXX ), who said he would look into our case. Of course, he never got back to me. I am going to report them to the state governance board.
Consumer complaint received 2020-07-19
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: TRANSWORLD SYSTEMS INC (AR)

ONCE AGAIN XXXX  IS VIOLATING THE XXXX  AND XXXX XXXX  WE NOW HAVE ENOUGH TO FILE CLASS ACTION AGAINST XXXX/TSI AND XXXX.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MD)

I ordered a new card because my old one was compromised. I received a new card today after a week of waiting. Now I am unable to activate the card. Chime said they had issues another card after this one was made so I am unable to use this card for anything and now have to wait another 7 days for another card
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime (GA)

I received a Credit Alert from XXXX  about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX   report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX  has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.
Consumer complaint received 2020-07-19
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. (FL)

During A Check of My XXXX  Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, Equifax Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX XXXX XXXX AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Consumer complaint received 2020-07-19
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. (CA)

I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (IN)

- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
Consumer complaint received 2021-01-24
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: ALLY FINANCIAL INC. (IL)

ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY XXXX  CREDIT REPORT..
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (FL)

Call the company back in XXXX about this loan in which I have taken this loan out in XXXX. I only borrow XXXX in which I was paying like XXXX or more per month for at least 2 yrs. I feel that each and every time I make a payment it does not appear that this loan is ever going away. I just check on the dashboard and shows that I still owed XXXX which is ridiculous. I have try to call the toll free number and it appears that it's a bogus number not able to reach a lived person or speak to them about this outrageous loan that I have gotten myself into in the first place. I want the payment to cease immediately for I am out of work and can not afford this extra expense at this time. When calling the local office I will get the same answers that this is what you owed. I seen where they were sued and fined for 9 million dollars for this unscrupulous practice. It seen that they not learned anything from this action against consumers. I just want to my title back to my vehicle and not owe them anything else. 2 years should be enough for I have paid over the amount that I borrowed from this company. 

XXXX XXXX XXXX XXXX : XXXX {$72.00} Amount to renew today Payment due date XX/XX/XXXX Pay-off amount {$560.00} Originated on XX/XX/XXXX {$560.00} Access Documents
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

I didnt know this account was closed.I never received paperwork/info why this company closed my account.I know this card used to be sears and was transferred to shop your way.Because its closed without me knowing, it has dropped my credit score.I believe under the Consumer protection act, CBNA has to notify me by letter that there closing my account and the reasons why