davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MD)

I paid receivables performance management for a XXXX debt owed. Original debtor was XXXX. The debt was paid years ago and I have statements proving so, however, they have reopened the debt and placed it for collections on my XXXX credit report.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DC)

I have a chime account open & on XXXX XXXX @ XXXX I had {$90.00} in my savings & {$5.00} in my spending account. My transactions were disabled & I did not make any transactions until the next morning when I was about to transfer some of the {$90.00} to my spending to purchase food. I noticed all my money is gone {$95.00}. Under transactions it says it was Transferred to a friend by the name of XXXX XXXX who banks with Chime as well. I reached out to Chime to file a dispute and let them know the transaction was unauthorized. They requested me to fill out and email an Affidavit form I did so & I havent heard back from Chime since. I googled to see if anyone else faced this problem & there is a whole review page https : //www.depositaccounts.com/banks/reviews/chime.html of people currently and previously facing this exact same problem & are loosing a lot of money. My transactions were off which means the money shouldnt have been able to transfer to anyone. In addition I didnt receive an email or phone notification as I normally do when I make a transaction. Lastly I have not even set up the feature to allow transferring money to others who bank w chime.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Hello, I wrote a complaint about a week or so ago about the Executive Response Team not being of any assistance and being told that my account needed a 24-48 hour review my account. Got the run around multiple times from supervisors, employees, call center reps, you name it. Well then the CFPB wrote in that my account was corrrected and it was " for my protection '' Today- I went in to XXXX  my fianc {$400.00} dollars ( I XXXX him between XXXX a month depending on bills and expenses ) Recieved a text alert saying can you verify this transaction I selected " yes '' and then it said " thanks all set nothing more to do '' Tried again and my account was LOCKED and placed on a 24-48 hour hold again so I can not access my money ... .... 

This is unacceptable - the representative I just spoke to told me that I needed to wait couldn't access my money and if I needed to I could reach out to a lawyer but she has no insight as to what is going on and can not help and there were no supervisors online or in the office. 

WHAT IS GOING ON. This is beyond unacceptable and at this point if I don't get a resolution my only option will be to contact a lawyer I can not not have access to my money.
Consumer complaint received 2021-01-18
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: VW Credit, Inc (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX. XXXX, 2019, VOLKSWAGEN CREDIT Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2021-01-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (TX)

AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.
Consumer complaint received 2021-01-18
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. (MA)

Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I originally got a {$16000.00} from XXXX XXXX and over the past 10 years I paid back {$39000.00}. My loan was turned over to Navient and they are telling me I still owe {$19000.00}. They have hurt my credit and my co-signers credit. I hired a lawyer and they refused to talk with him and they continue to harass me and my co-signer. I do n't think they have been honest about all the payments and interest I have paid.
Consumer complaint received 2021-01-18
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

I've attempted to reach out to a debt collector numerous times to settle a debt in the amount of {$810.00} Each call to them I was that they couldn't find my account or that the account was no longer with them. I received a credit report and as informed that i had a outstanding balance with them still. I reached out to them on XX/XX/21 and spoke with a representative and was informed that it was charged off. I asked if it could be paid in full or set up on a payment plan in order to have it removed from my credit and was informed that I couldn't. I asked to speak with a supervisor and informed that once wasn't available. The representative asked for my contact information and advised that a supervisor would contact me within 24 hours, but still haven't received a call. If I'm not able to resole the issue with them, I will be forced to take further actions.
Consumer complaint received 2021-01-17
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX I attempted to convert XXXX Bitcoin to {$2700.00} usdt using coinbase.com. I noticed the fees were quite high but lower on coinbase pro, so I attempted to transfer my account to coinbase pro. My account was frozen immediately and I can no longer make any transactions or withdraw any money. They have no customer support team and it is impossible to get any response from them in order to unlock my funds. This is completely unacceptable.
Consumer complaint received 2020-10-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Flandreau Santee Sioux Tribe (CA)

I received a call from a XXXX XXXX at XXXX, claiming that they attempted to deliver a package and if I didn't call they would return it. When I called the number they left me XXXX a man answered didn't identify himself and said I owed {$1100.00}. If I agreed to settle for {$600.00} by the end of the month or paid {$97.00} a month I would not be served a judgement. When I looked into it. It was for a payday loan back in 2012 and the past due was {$450.00}. I also received an agreement for installment from a XXXX XXXX. I responded back to the email requesting further information as the amounts did not add up. When I looked up the actual pay day loan company, they do not exist anymore and they also were not authorized to lend anyone anything.
Consumer complaint received 2021-01-18
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. (TN)

On XX/XX/XXXX, I sent a letter to Equifax disputing the XXXX XXXX XXXX account as being outdated information, and to date XX/XX/XXXX I have yet to get a response, In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P. (TX)

This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.
Consumer complaint received 2021-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (WA)

SoFi indulges in false advertising to get people to sign up for personal loans In my case, I was promised a {$10.00} incentive for checking the loan rate. But the company didnt send any incentive after even applying for the loan. The customer support doesnt know how to handle this and gives me the runaround. 

In addition the company promised a {$350.00} promotional bonus on getting a new loan. But when I applied for the loan the company said that the promotion was only for {$300.00} on my application even though the link I applied through clearly indicated that the promotion bonus was {$350.00}. 

These are two examples of how company indulges in false promotions to lure borrowers.
Consumer complaint received 2021-01-15
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. (FL)

I have multiple errors on each credit bureau about XXXX on my credit report. I have sent the proof to them on the errors on each credit report showing that after the investigation there are still errors. According to FDCPA SECTION 807 this is a violation of misleading false reporting. Also i disputed inquiries on my report that i did not authorize and they do not want to remove it from my report. These are violations of the FCRA.
Consumer complaint received 2021-01-15
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: Social Finance, Inc. (CA)

i submitted a complaint with XXXX  on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.
Consumer complaint received 2016-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (GA)

Nelnet applied a forbearance on XXXX of my student loan accounts in XXXX 2014, yet reports me as 90 days late in XXXX 2014 to all XXXX major Credit Reporting Agencies. I have repeatedly disputed these XXXX accounts with Nelnet, each time to no avail. 

Furthermore, Nelnet does not report *positive* payment history during the past seven years, thus lowering my overall credit rating.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KS)

I have an account reporting on my credit from XXXX XXXX. The original creditor is XXXX, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.
Consumer complaint received 2021-01-15
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: U.S. BANCORP (TX)

A charge was made on a card at a hotel at a XXXX XXXX  on XX/XX/XXXX. I shredded the card I had in XXXX and never received a replacement card nor have I ever used the card since XXXX. I disputed the charge and they sent a letter saying that the charge was verified using a chip therefore I was responsible for the charge. They provided no evidence that I used the card. I later found that the card was used in XXXX XXXX Texas. I was working in XXXX Texas the day the card was used, which can be verified through my employer, and I filed a police report with the XXXX Police Department ( report no. XXXX ) providing a sworn statement that I had no knowledge of the charge nor did I authorize the charge. I also provided a statement that a card may have been stolen through the mail. The credit card company has continued to not consider this information and I can not get anyone to return my calls to resolve this dispute.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NY)

I was denied employment because of a judgment against me. 
I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . 
Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. 
I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was charged NSF fees of {$72.00} on a negative bal of {$5.00}. when I spoke to 2 associates on XXXX I was told they Couldnt do anything even though I never was notified of the bal via phone email or standard mail. 
Apparently they dont think it's predatory to charge {$72.00} on XXXX cents. - {$5.00} in my calculation I had a positive bal because of a refund {$8.00}. From a murchant from the past. I was never offered to have the over draft protection canceled. or that I would have anyone look into it further for peace of mind.
Consumer complaint received 2021-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I sent an email with SPECIFIC questions to Nationstar Mortgage two ( 2 ) times. I never received an answer to my specific questions from Nationstar. I tried contacting Nationstar by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions.

I asked the following questions : 1 ) What day of the month can I pay off this mortgage so that I will not have to pay any additional interest? And, on that day, what is the principal payoff balance?

2 ) {$35.00} was paid for a property inspection. Who was the {$35.00} paid to? What company? I never received an invoice from you or whoever this company was. I never received a copy of the inspection report that I am paying for. Please send a copy of the invoice for the property inspection and a copy of the inspection.

3 ) It appears from a previous payoff estimate I received that the {$25.00} Other Fees Due charge is for an expedited delivery fee. If I do not want expedited delivery, do I have to pay the {$25.00} expedited delivery fee?

I would appreciate an EXPEDITED response with ANSWERS to my specific questions from Nationstar Mortgage. I prefer to be contacted by email at XXXX. The email response should answer my specific questions, and NOT simply ask me to contact Nationstar Mortgage by telephone. Do NOT contact me by telephone.
Consumer complaint received 2021-01-14
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: SLM CORPORATION (MO)

A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today XXXX made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.