davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.
Consumer complaint received 2020-02-10
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX XX/XX/XXXX to XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am seeking loan forgiveness. Im over XXXX XXXX XXXX and have been paying on this student loan since XXXX. I am immune compromised and have had to go out on forbearance during times when my XXXX is active leaving me unable to work. In XXXX and XXXX I wasnt able to work during Covid shutdowns and I placed my loan on Covid forbearance. 

During forbearance in XXXX I was charged over {$900.00} in interest and am not getting any closer to paying off my loan. My body is breaking down. I need to have a XXXX and have this old debt still hanging over my head. Im old enough to start taking social security now but cant do it because of the student loan.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. 
After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.
Consumer complaint received 2020-02-10
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Westcreek Financial (PA)

Someone used my information to get a loan from koalafi on XX/XX/2022 in the amount of {$550.00}. I did not authorized this nor give permission for this company to run my credit.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (TX)

On XX/XX/2022 I noticed a collections account for XXXX for {$3800.00}, I immediately disputed this since I had the final bill from XXXX. Which was {$1200.00}. I immediately uploaded my document that clearly stated this was my final bill. This credit agency closed my account as verified on XX/XX/2022. Even though I had submitted proof that this account was inaccurate.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (IL)

On XX/XX/21, my social media and email accounts were hacked, resulting in the use of my debit card information to purchase {$3000.00} worth of Bitcoin through an XXXX app called XXXX XXXX. 
I have not previously used this app, nor am I at all familiar with the use of Bitcoin or other crypto currency. This bit coin was purchased with my funds and then sent to a recipient address which I do not recognize. 
I have since reached out to the XXXX wallet support team and am awaiting a response. 
I have also contacted my bank in order to stop payment on the funds and hopefully be reimbursed for the fraudulent activity.
Consumer complaint received 2021-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I applied for a VA REFI to TRUIST banking in MD. The customer service with processing the loans makes me consider how much fraud, waste, and abuse the banking industry has against federally protected loans. 

The loan processing has taken over 7 months from initial documentation submission with no resolution with underwriting. The initial documentation that was submitted to the processor occurred on XXXX XX/XX/2021, with no activity between XXXX and XXXX. The processing took place on a reoccurring basis where TRUIST could not address concerns before submitting to underwriting on XXXX XXXX. The policy was for underwriting to process within 10-14 days. No correspondence to underwriting occurred until XX/XX/2021, with requirements to submit more documentation that could have been addressed earlier in the process. To my understanding, TRUIST continues to pay fines to fulfill promises on the rate agreed to. Still, the processing has incurred an additional 7 months of payments at a higher rate with no recourse for the customer to address concerns. All customer service complaints are addressed by sales or operations within TRUIST with not the venue to engage to address concerns across either department. 

Communications with the MD regional office has not improved any of the processing and issues with the customer 's needs. 

The lack of attention is incurring costs on veterans even though the program is designed to protect veterans. A follow-up letter will be sent to state congressional representation complaining of the waste that is occurring in the banking industry. 

My loan officer can attest to the problems with the TRUIST process of VA loans.
Consumer complaint received 2022-01-10
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: HYUNDAI CAPITAL AMERICA (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX - XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00} XXXX XXXX XXXX XXXX  # XXXX - {$5400.00}
Consumer complaint received 2021-12-01
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX at XXXX XXXX, I received a text message from telephone number XXXX. The text reads as follows : Free Msg-Chase Bank Fraud Alert-Did you attempt a transaction for {$450.00} in XXXX, FL. Reply YES or NO or 1 To STOP Fraud Alert After the text message, a man called me from the number above. He introduced himself as a representative from Chase and asked me to verify my bank information. Just like some who work for the bank. Since I received a text message, I didnt find the call to be suspicious. The person seems to know all the transactions that have occurred on my card. He informed me the only way to stop further fraudulent charges, I will have to go to my Chase account online and transfer money from my XXXX account to XXXX. He assured me the money would be in my account and I should be able to continue to use my Chase credit card without further incident. The man instructed me to use my name ( XXXX XXXX ) as the receipt to make two transactions. The first in the amount of {$1000.00} and the second {$90.00}. Before the call ended, the man asked me to call XXXX to confirm the transaction. The man also sent me two five-digit codes for the transaction. XXXX and XXXX. 



An hour after the transactions occurred ( XXXXXXXX XXXX  ), I received a text message from XXXX. Someone attempted to make a purchase of {$24.00} at XXXX XXXX 's. My bank confirmed this is their number and all fraud alerts are notified with a five-digit number. 



Other transactions occurred on the XXXX of XXXX. I disputed the charges below with my bank and they were never charged to my account. The bank informed me the transactions occurred online from XXXX XXXX, Minnesota Zip code XXXX XXXX  {$68.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$260.00} As of today, the bank refused to reimburse me transaction that was processed through XXXX {$1000.00}. The reason is that I followed the instructions and made the transaction myself. 



On XX/XX/XXXX, I called XXXX. A man answered the phone and hung up. I also called ( XXXX ) XXXX, but a woman answered. Since I didn't respond, she sent me a text with the word, XXXX XXXX. 



I need to find a resolution to this problem. If the person who committed this fraud is apprehended, I am willing to press charges against that individual. Im also requesting {$1000.00} to be issued to my bank account. 

I noticed there were additional charges to my debit card and contacted the bank. Starting XX/XX/XXXX, someone used my debit card to purchase items from XXXX, XXXX  XXXX, and XXXX. I contacted the bank, and they investigated the issued and issued a refund.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Duplicate collection accounts from one collector show up on all three reporting agencies, Equifax, XXXX and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings (MI)

I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX  for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.
Consumer complaint received 2021-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

In XXXX of 2018, Affirm put a late payment on my account. This was an auto-pay issue and the lender recognized this on their end. I made one last payment to close the account. They sent me a letter saying they received the payment and the loan was closed but never removed the late payment that was associated with this issue. It popped up on the credit bureaus and it shows it's in the collection even after I paid them. This has greatly lowered my score.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (TN)

I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Consumer complaint received 2022-10-16
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. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not XXXX or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-01-10
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. (SC)

This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b. 

They have failed to send debt validation/Audit Trail. 

Im aware that they are using an automated system, such as XXXX to respond and are not investigating the issue in GOOD FAITH. 

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency. 

Attachment below is PROOF that alleged debt is invalid because it was PAID!
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.