davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
Consumer complaint received 2021-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.
Consumer complaint received 2021-09-01
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: JPMORGAN CHASE & CO. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the XXXX status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2019-02-22
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-01-22
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 correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-11
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)

Good evening, I submitted a complaint to resolve an issue with my mortgage company XXXX XXXX. I did not make a late payment in XXXX. I have made disputes with equifax, XXXX and with the mortgage company. XXXX XXXX realized where the missed payment report fell through the cracks. I did not miss a payment with XXXX XXXX and have been making my payments on time before and even after the month of XXXX. XXXX  has removed the late payment record of XXXX XXXX from my report. I am asking for Equifax to do the same. Please understand this unique circumstance.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (KY)

On my credit report I have a delinquent account with a company " Barclays Bank Delaware ''. It states the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. The balance is {$95.00}. I do not recall opening this account. I have attempted to make contact with the business using the number provided on my credit report and the number provided online. I have called several times and have not yet been able to speak to anyone to find out what this account was for. It had had a terrible impact on my credit score and I need to get this resolved.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My home mortgage was serviced by Mr. Cooper. I was on XXXX XXXX orders for the month of XX/XX/XXXX. I requested XXXX  and XXXX  benefits from every financial institution or lender I do business with, including a XXXX  payment deferral. 

All replied back ( XXXX, XXXX, XXXX, XXXX XXXX  ) with a similar letter in accordance with the CMFFRA your payments have been deferred.Your new interest rate is 0 % and your next payment will be due X/X/X. 

At the end of the deferment period, my loans returned to their regular interest rate, with no additional chargers or deferred interest. 

Nationstar denied my XXXX payment deferral several times stating that my account was already approved for XXXX  benefits and nothing else was required. After multiple requests over a period of several months, I finally received a letter that my payment deferral had been approved as a one-time exception to their XXXX  policy, and that payments would be deferred from XXXX and that my loan maturity date had changed from XX/XX/XXXX to XX/XX/XXXX. 

Unbeknownst to me at the time, Nationstar had effected a {$5400.00} lender paid expenseagainst my loan, however it did not raise or lower my principal balance. That {$5400.00} balance was used to make payments to my account to cover principal and interest during the duration of my deferral. 

I was not aware of the charge until I paid off the mortgage loan on XX/XX/XXXX and was charged the {$5400.00} lender paid expense. I initially believed that the entirety of the {$5400.00} charge was owed to me, but after reviewing my statements, I found that those funds were used to pay towards my loan during my deferment period and I was charged {$1500.00} in interest during the deferment period. 

My issue is with the interest charged during the deferment period. Section 804 of the Military & Veterans Code states No interest shall be charged or accumulated on the principal or interest on which the payment was delayed.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On or about XX/XX/2020 I submitted a number of disputes on my Citi Credit Card ending XXXX totaling roughly {$87.00}. 

The transactions in question are transactions made by merchants which I have legitimate transactions with, XXXX and XXXX ( an XXXX company ). However, I began to notice some transactions that did not appear to match my purchase history with XXXX and XXXX going back over the two months prior and I suspect was occurring even further back. I submitted the disputes using their digital channel and received a request for contact roughly a week later to confirm I had the card in my possession which I confirmed over the phone. I also advised the person I was speaking to at the time that strangely I had been in contact with XXXX about another transaction that they already refunded me for and had advised me that there was an XXXX XXXX account my card was attached to. I believe perhaps this other XXXX XXXX account is where those fraudulent charges originated. 

A few days after that phone conversation I receive a letter from Citi indicating my dispute is closed due the use of my XXXX chip at a chip enabled card reader. Well, that isn't possible. The transactions I disputed as fraud were all online transactions therefore no chip reader possible. 

I attempted to resolve this issue today, XX/XX/2020 by calling Citi multiple times with no avail. Each time I spoke to someone they repeat what is on the letter even though I have explained multiple times that the transactions could not possibly be made at a chip reader and that whomever processed my fraud investigation did so incorrectly. Every time I called, I got disconnected. EVERY SINGLE TIME. Even asking to speak to a supervisor I got disconnected. After 3 attempts at phone contact and wasting 1.5 hours trying to get this resolved I gave up and am submitting this complaint. 

Citi makes it very difficult to reach them and have a conversation about a situation like this or to escalate to their management team. All I want is my fraud dispute to be handled correctly and my money returned.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capital Accounts, LLC (TX)

Capital Accounts LLC is attempting to collect a debt from a fraudulent company, XXXX XXXX XXXXXXXX XXXX XXXX. Capital Accounts LLC refuses to acknowledge this company as fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX is requesting the following through Capital Accounts : XX/XX/2020 XXXX $ debt {$500.00} interest XX/XX/2020 {$14.00} interest I have not been to a place called " XXXX XXXX XXXX XXXX XXXX '' I have been to a place called XXXX XXXX XXXX XXXX. I have also received balances of XXXX on both an invoice and an itemized list. 

Capital Accounts LLC refuses to recognize the legitimate company and is aiding XXXX XXXX XXXX XXXX XXXXXXXX in fraud. 

Capital Accounts LLC refuses to provide contact information for XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If they are a legitimate company, how are they not able to provide the contact information? 

Capital Accounts LLC Supervisor said they have contact information with someone from XXXX XXXX XXXX XXXX  XXXX but will not provide it. 

Capital Accounts LLC refuses to recognize the XXXX balance from the legitimate company " XXXX XXXX XXXX XXXX '' Capital Accounts LCC refuses to recognize that XXXX XXXX XXXXXXXX XXXX  XXXX does not exist as a company and you can not even XXXX it. 

XXXX results shows there is no such business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX billing has told me I owe nothing. 
Under Texas workmans comp law I would have never been charged. 

Everything points that XXXX XXXX XXXX XXXX  XXXX is fraud, and Capital Accounts is not recognizing them as fraud because they are liking financially involved. 

There are people being scammed by both XXXX XXXX XXXX XXXX XXXXXXXX and Captial Accounts, and both of them need to be stopped. 

I am reporting both of these companies to any fraud related organization I can.
Consumer complaint received 2020-05-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NY)

I received a scam call trying to collect on a late car loan payment from ally fianc woman with heavy accent named XXXX ph # was XXXX XXXX XXXX backstory I bought out my leased car from XXXX right before the covid 19 shutdown set up automatic payments thru their preferred service provider payment were due to start XX/XX/20 but as of yet I have not received any mail with acct number from XXXX XXXX XXXX XXXX generation is also trying to help me solve this problem as of this afternoon I still was not in XXXX XXXX system and def not showing any missed payment also as per XXXX at XXXX XXXX  there has been a scam similar to this that they are aware of and even if I was a month late I would get a call from them before any collection agency normala provided a acct number for a ally Finance acct and wanted me to send payment to them I told I would do no such thing and would deal with bank directly so no money was sent to them from me but I wanted to let u know about this shady company Ty for any help on this matter XXXX XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (DC)

Im deaf. I initially contracted with a debt consolidation company to negotiate with Marcus by Goldman Sachs for the payment of my debt with them. After months of collecting payments from me without paying Marcus, I decided to cancel the contract with that debt consolidation company. I contacted Marcus directly in XX/XX/2019 to resume paying my debt. We agreed on a payment plan based on hardship. I made the initial payment at that time. Then for some reasons, they started sending me email stating that it was an attempt to collect debt and there my account was charged off. I called them last week and they indicated that I didnt sign an email they sent last XXXX which I never received and that I didnt answer their phone calls. I found they were calling my text-only number instead of the phone number I gave them to call me through an interpeter for deaf. Ive tried to resolve them matter so that I can resume paying monthly, but they keep frustrating me by saying that they couldnt do anything about it and that my account was reported to credit bureaus as charged off. Based on my experience with their customer support representatives, they are not quite deaf-friendly. They dont keep notes because I keep repeating the same information without getting anywhere. 

I would like to resume paying monthly based on the hardship agreement and that they stop making derogatory credit report. They need to live up to their obligations and allow customers to escalate complaints to their legal departments especially if they dont treat their deaf clients fairly in handling loan payments.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has placed or enrolled me in forbearance without my permission. This has negatively impacted me as XXXX XXXX  has placed my home equity mortgage application in denial status because of this. Wells fargo has emailed me admitting to and apologizing for the error. They stated the issue would be resolved by XX/XX/XXXX. I applied afterwards at XXXX XXXX XXXX XXXX and was denied. Wells fargo pushed my resolution date back to XX/XX/XXXX.
Consumer complaint received 2021-10-07
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. (TN)

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2019-08-09
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. (GA)

I am filing this complaint to stop reporting this erroneous item. 
XXXX XXXX I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.
Consumer complaint received 2020-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/XXXX, I spoke with XXXX XXXX from Transworld collection agency and he was rude and would not allow me to speak or ask questions. He specifically stated in my first call with him if youre not calling to pay, then you dont need to be calling. I called to make an arrangement to pay a SIF of {$5300.00} and I called on XX/XX/XXXX to advise that my check may not be available to pay the full settlement on this Friday due to my withdrawal n to pay this being a check that is in the mail. I do not have control over when I will receive this check in the mail. I then spoke with XXXX and asked that he reach out to the lender for an extension because I have every intention to pay the settlement of {$5300.00} when my check comes in that I have taken out to pay this loan off. This company acts as if they can not work with the consumer and makes speaking with them and paying this debt very hard. It feels like I am dealing with the mafia and they are making this process difficult.
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (FL)

I have tried consolodating my two loans with WF, they denied the application unless I come up with a co-signer. I then tried reducing my monthly payments, stating I was comfortable paying {$300.00} a month, more than half of what theyre originally asking. They came back and said they felt {$500.00} was a fair monthly payment. XX/XX/2018.
Consumer complaint received 2017-09-14
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. (CT)

Equifax states that all of the personal information they have stored about me MAY be impacted by the hack Equifax suffered in XX/XX/XXXX. It was revealed to the public mid-XX/XX/XXXX. They recommended signing up with their credit monitoring product free ( due to this issue ) for a year. When I tried to do this I had to sign up several times, because they were not processing my request. When I called them they simply said they had no record of my signing up and said I would have to sign up again. This is intolerable, unprecedented, and WRONG. For a situation like this the free monitoring service should be a lifetime membership, because what they allowed to happen will impact me for my lifetime, and beyond. For all I know my SSN, medical records, personal card information, and anything else about my life, could be in many unscrupulous hands and would likely be used for purchases, get medical work done, obtain a visa, or any number of things, over the course of my life and even after I die. This is a life changing event for me.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I placed an order today ( XX/XX/20 ) and was charged too much for tax. When contacting the company about it, I was told to accept a gift card and to dispute through the bank issuing the card the order was paid through. When contacting the bank to address the dispute, I was hung up on. I was overcharged .015 % and am not interested in a promotional gift card, I am interested in correcting the rate assigned to the purchase in order to more confidently plan for any future purchase I might make. It is unacceptable to be hung up on when explaining this to the bank, who has seemed to refuse the dispute by hanging up on me.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

I contacted Chime support on XX/XX/2020 after a random transfer from my account to some random persons account cleared my entire account out. I was told to fill out the dispute form and return. Now Im unable to contact them. Ive called several times today only to get hung up on repeatedly when asking for my money to be refunded back