davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
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. (AZ)

Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX a Citibank web transfer of {$70000.00} from XXXX checking account XXXX to a Citibank savings account XXXX was initiated. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into XXXX XXXX account XXXX. Between XX/XX/XXXX and XX/XX/XXXX I contacted XXXX 5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX checking account. With Citibank unwilling to resolve the issue and blaming XXXX and XXXX, I contacted CFPB who recommended opening a complaint. On XX/XX/XXXX I opened a CFPB complaint ( XXXX ref. for further details ). Then a miracle!! The very next day I received a Citibank Email ( see attachment ) indicating the funds will be deposited back into my XXXX  checking account. On XX/XX/XXXX {$70000.00} was deposited into by checking account. 
Thanks CFPB!!
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but   XXXX   and   XXXX   XXXX    and Experian keep reporting it. please help.
Consumer complaint received 2017-06-03
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. (KS)

My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2017-06-03
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. (KS)

My  XXXX  credit bureau was pulled by  XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RevSolve, Inc. (AZ)

Upon recently checking my credit reports I noticed a medical collection by  RevSolve  for the amount of {$650.00}. I immediately contacted original creditor and was informed that the original debt in question was for treatment for my daughter however her insurance covered the debt. I then disputed with credit bureau to have Revsolve remove the debt, however,  Revsolve  allegedly " verified '' the debt. I then called   XXXX  Hospital  in regards to the collection activities and was notified that the debt has been paid and request has been submitted to Revsolve for removal of the account. I then filed a complaint with the    Better Business Bureau  as the company has not removed the collection. Revsolve rep responded with a request for an indefinite  HIPAA  disclosure  ( Release of Information ) to  be signed by me. I refused the request stating that I would not authorize the disclosure of information I never authorized them to possess in the first place. They did n't request my authorization when they reported to the credit bureaus either. However,  Revsolve  has not responded and the account is still on my credit report as of today.
Consumer complaint received 2017-06-03
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)

The company that colle cts, Navient, g ranted me a deferment on my student loan in    2014  due to loss of income and a period of unemployment. After having my monthly payments lowered to about {$230.00} per month, to be paid on the  XXXX  day of the month for 8 months. I get contacted by Navient shortly afterward indicating that payments were missed. Upon contacting my bank, there were no instances of insufficient funds, and that  Navient  did not withdraw any of the monthly payments, my loan was in default and the deferment cycle has to be reset. This has been happening every year since  2014 . After meeting with m y financial advisor to a ssist me with my credit report, she suggested that I file a complaint, since apparently other customers have had similar experiences with Navient.
Consumer complaint received 2017-06-03
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. (MD)

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Equifax - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX- XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Consumer complaint received 2022-01-04
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)

I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission
Consumer complaint received 2017-06-03
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)

There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.
Consumer complaint received 2017-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

In XX/XX/XXXX US Bank did not supply me with an Escrow analysis or a year end statement as in previous years. In fact In complained about in here in CFPB, because they had sent letters saying they were sure There was going to be an escrow shortage. Then between XX/XX/XXXXand XX/XX/XXXX, they change the amount 3 times. Without providing any documents of the escrow and just sent an amount with no, accounting. During that period the record shows that I filed 2 complaints with the CFPB. US Bank delinquency in providing me with the amount of the shortage actually created more of an issue. Instead of providing a year end statement and escrow analysis in XX/XX/XXXX which would have afforded 6 months before taxes were due, the bank waited until XX/XX/XXXXbefore providing documentation and that only after I complained the second time. That effectively left me 1 month to prepare. In fact, if the analysis had been in XX/XX/XXXX, then the 6 months could have shown a smaller monthly increase to cover the shortage, rather than a big bang the month before the taxes was due for the 1st installment. <P/>I found that to be rude and non customer-centric. <P/>I received a notice in XX/XX/XXXX that defined the terms of the payment. The shortage amount as listed as XXXX and it was added that if I were to send in that amount then my monthly PITI would be XXXX. <P/>So I sent in the check ( # XXXX ) for the amount of the shortage which was delivered to US bank on the XX/XX/XXXX, deposited on the XX/XX/XXXX and posted on the XX/XX/XXXX. The check was clearly marked Tax escrow only.
<P/>
My bank is also showing an ACH transfer ( XXXX XXXX ) delivered on the XX/XX/XXXX for the amount of XXXX matching the PITI which was dictated by US bank as the amount of my mortgage starting in XX/XX/XXXX should I chose to pay the shortage. <P/>I have received a statement from US bank saying they are using a suspense account, that they are charging late fees ( XXXX ), and that my monthly PITI is XXXX
Consumer complaint received 2017-06-03
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)

I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account Thank You
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.
Consumer complaint received 2022-08-04
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. (CA)

Equifax has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy. 

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2017-06-02
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)

I booked a hotel in    XXXX   XXXX    via email. The date of my reservation was     XXXX   XXXX    2016. I p aid in advance since we were traveling during the peak season of {$2400.00} on   XX/XX/16 .   <P/> The hotel made a mistake and had our reservation a s   XXXX   XXXX   2016.  I am not sure how this happened when every correspondence had our dates o f   XXXX   XXXX   2016 in th e  Subject li ne of the emails.  <P/> As soon as we returned home from our vacation I disputed the  charge. I do not know the exact date but was early       XXXX   2016. When I attempted to dispute the charge with Citibank the hotel that informe d  Citibank  that they had a " no refund policy '' which was not the issue of the dispute. The hotel did not tell them they had our dates incorrect. I did not cancel our reservation ; therefore, I do not believe the " no refund policy '' applies for dates we did not book. We had to find different accommodations for the dates in which we were in  XXXX ,  XXXX . Citibank closed the dispute based on the hotel 's " no refund policy '' even though I explained to multiple people that the issue was an incorrect booking of dates by the hotel. I have spent countless hours on the phone with  Citibank  and have supplied them with all of my emails ( once via fax and once via email ) showing proof of my reservation dates.  <P/> I did ask the hotel for a refund but they said they would provide only a partial refund but then wanted all of my banking information. I found this to be very suspicious and thought the smarter action would be to dispute the fraudulent charge.  <P/> I ha ve spoken to management in the Citibank dispute center and even though the hotel charged me for dates that I  did not book, they tell me there is nothing that can be done.  <P/> Thank you so much for any help that you can provide.    XXXX   XXXX
Consumer complaint received 2019-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal complaint ref : PP XXXX I have suddenly been informed by PayPal that they have limited my account and my money will be on hold for 180 days without any warnings and I think this is a scam. They can not legally hold my money without any reason. I would like to access my funds immediately not wait 180 days. I have complained to PayPal without any success I didnt get any response whatsoever. Please help me to get my money back. I attach the reference number of my case. My PayPal email address is : XXXX. 

I look forward to hearing from you. 

Kind regards. 

XXXX XXXX
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I received delinquency notices for my account, however, I have been paying over the amount required of me. To submit a payment I click on their custom pay option, enter the amount I would like to pay, select all loans, then select direct over-payment to highest interest rate loans. My monthly payment due according to my monthly statement ( attached ) is {$860.00}. I have been paying {$1000.00} ( {$500.00} biweekly ) since XX/XX/. Before that I was paying {$1800.00} per month ( see attached payment history ). I should not have a past due amount. 

I spoke with customer service on XX/XX/ and they informed me that they would send my account to be reviewed for possible issues. I explained that if I am submitting my payment incorrectly please let me know and I will fix it. I was told that I am doing it correctly. They also told me they should be able to apply over-payment from some of my loans to cover the past due amount. 

I called again on XX/XX/ and was told that the past due amount is correct and that I have been under paying on my loans. I explained everything once again and was told that my end of the account is not showing a past due amount so there would actually be no way for me to know that there was money owed by looking at my account. I was also told that I am submitting the payment correctly and that they will have my account reviewed. 

I am submitting this complaint because I am not confident that I can rely solely on Navient to do the review and fix the issue. I want a record of the complaint and any assistance I can get. I wanted to avoid filing a complaint but Navient has been unable to help thus far.
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (GA)

I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.