davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I am seeking loan forgiveness under the PSLF and TEPSLF. I originally applied in XXXX. The following year, I tried to submit an updated form to verify employment. It was never processed and I was denied access under XXXX. With the new and temporary changes, I applied again. However, right in the middle of the process, my loans were transferred from XXXX to Mohela. All of my information was not properly transferred, which includes the form I submitted. The form verifies all of the information required. I have been employed with the same qualifying employer since XXXX. My count towards loan forgiveness does not include all of my time which makes me ineligible when I should be. I keep getting the run around. I would like for my information to be updated including using the IDR waiver. It would place me well over the required XXXX payments. In addition, I submitted a new form ( XX/XX/XXXX ) before the XX/XX/XXXX deadline. I was told they were waiting on that form to process. I stated to them, prior to my loans being transferred on the XX/XX/XXXX, I had an approved form in XXXX XXXX XXXXXXXX from XXXX and why weren't they using that. It's not fair I have to wait an additional 90 days. The transfer left me in this unforgiving holding pattern. Please help if you can.
Consumer complaint received 2022-11-16
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. (WI)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (CT)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX  keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.
Consumer complaint received 2022-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (MO)

I have a total of four different accounts in collections on my credit report from Americollect with the first dating back to XXXX of XXXX. I have never really bothered with my credit so I had no idea until I went to get a credit card and was denied or approved for only prepaid. I have disputed all 4 accounts from Americollect because I have always been covered with health insurance. 
XXXX XXXX, XXXX ( {$240.00} ) XXXX XXXX, XXXX ( {$560.00} ) XX/XX/XXXX ( {$2500.00} ) XXXX XXXX, XXXX ( {$2800.00} ) ALL ACCOUNTS WERE VERIFIED AS PAID IN FULL BY MY INSURANCE, Yet Americollect has yet to respond to my voicemails or emails ( XXXX XXXX, XXXX last attempt to get in contact with them ) OR remove these accounts from my report! It is unfair they ever reported these and they have only had negative impacts for myself.
Consumer complaint received 2022-01-21
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. (NY)

In XXXX it took out a student loan with Sallie Mae for {$21000.00} to help pay for college. At the time I thought the loan was federal but unfortunately it was a private loan. They NEVER informed me how much I would owe for the life of the loan, they NEVER informed me that I should be making payments while I was in school because they were going to add so much interest that it would triple the loan and now I currently owe {$61000.00}. I finished school in XXXX and I don't make close to {$61000.00} a year, I have three children who I raise on my own, my rent is {$1700.00}. The life of the loan would be 22 years pay off date XXXX/XXXX/XXXX if I was able to pay {$560.00} a month which I can not. If I continue on the rate reduction program which they have me in now ( payments still too much ) I would probably owe double what I owe now. Which would add more interest over the next 5-10 years. This is because when they started payment I wasn't done with school they gave me no options except for FORBEARANCE which continued to add interest on the loan. This was deceptive and unfair. They planned to do this from the beginning of the loan. I'm not sure what to do because this is affecting my life as well as my children. I also have late payments on my credit which is affecting me as well when I pay them what I can on time. The only option this give now is rate reduction program. Those payments only go towards the interest and not the principle of the loan which I'm sure I'll owe double what I owe now by the time this is over probably when I'm dead. So much for the American dream. It is more like a nightmare. Please help!
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

I tried to reach out to the company directly ; however, they only have phone numbers listed for calls and I can not call. Due to lack of accessibility for people who are XXXX I have to submit my dispute here. My neighbors son has gained access to my accounts and XXXX account resulting in a significant amount of charges from " XXXX '' on my account. These are not authorized by me, I have NEVER used anything with a XXXX. I have reviewed all transactions within the history of the account and these are the only unauthorized charges on my account. I did not catch this so quickly as I have been dealing with a lot of medical issues over the past year and a half from XXXX complications. I have attached a list of transactions disputed as well as official affidavit for the claim.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: General Motors Financial Company, Inc. (MT)

My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.
Consumer complaint received 2022-11-16
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 (CO)

My PayPal account has been permanently XXXX, and the account balance has been frozen for 180 days. I have received a cash withdrawal email notification from PayPal, but I can not complete the associated bank and withdraw cash. I have contacted PayPal customer service many times and the problem has not been resolved. It has brought great pain to my family. big trouble please help me
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I made a purchase from a fraudulent company, XXXX, using paypal. I opened a dispute with PayPal and XXXX provided a fake tracking number ( for a XXXX XXXX order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. XXXX also claims payment is for " tuition and fees '' not products listed on their website and uses a personal XXXX address for their paypal account. 

PayPal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. Other hurt victims here XXXX XXXX   XXXX Notes and attachments included. I called XXXX and they confirmed the address is not same and sender is XXXX XXXX, not XXXX. I was not authorized to get any other information but said PayPal was authorized if they called, which they have not.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (SC)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I submitted Complaint against XXXX XXXX who created XXXX XXXXXXXX XXXX XXXX and XXXX XXXX as Trustee for this Trust who acted as Plaintiff in foreclosure-for-profit case XXXX, XXXX XXXX XXXX. I demanded a copy of Release of Lien after sale of my property on XX/XX/XXXX ; and proof of payment {$130000.00} ( cancelled check of wire transfer receipt ) received by XXXX XXXX XXXX XXXX for XXXX Trust to distribute to alleged investors in XXXX XXXX Trust. 
On the same day, XX/XX/XXXX someone from XXXX XXXX and XXXX XXXX XXXX likely XXXX XXXX XXXX XXXX personnel ) responded that they are not the appropriate companies to address my issues. I dont know the name of responsible Agent at XXXX XXXX and XXXX XXXX who made this false inartfully worded statement. 
If the complaint does not " belong to them '' whatever that means then why do they filed a foreclosure case against me ; confiscated and sold my property XXXX XXXX even received Judicial Deed and issued a Deed to the new property buyer? 
Is this an admission that they were neither creditor, Trustee nor servicer? When based on which legal authority XXXX XXXX XXXX acted as the Plaintiff in my case, and XXXX XXXX represented them as Trustee if none of them are related to it? 
XXXX XXXX and XXXX XXXX employees and CFPB needs to explain what this means and why they accepted that response. 
Is this an administrative finding that XXXX XXXX and XXXX XXXX never had any right, title or interest in claims to administer, collect or enforce the note or debt? Why they filed case XXXX and stole my property? Who received {$130000.00} after sale? Why XXXX XXXX  issued Deed after sale but never issued any releases to me? 
I demand responses from XXXX XXXX and XXXX XXXX, copy of payment ( cancelled check, wire transfer receipt ) for {$130000.00} received by XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX and a Release of Lien after sale to my creditor and to me.
Consumer complaint received 2022-01-21
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: CITIBANK, N.A. (CA)

I have dealt with many consumer store credit cards, but I have never had an experience like the horrible one I have had with the Home Depot Consumer Credit Card. Please note that I am usually someone who is very careful with credit and paying bills on time ( as evidenced by my credit score ). 

I first reported to the Home Depot Customer Care Team ( now managed through Citibank ) that there were charges on my account that I didnt authorize back in 2020. After multiple calls, letters and escalations, I still never received any action from them and I continue to get bills for charges that I didnt authorize.

All Home Depot/Citibank did was give me a new credit card and transferred all of the balances to the new card. They even charged me late fees and reported lates on my account after I was calling every week insisting that I shouldnt have to pay for the charges that were under their review. 

After a series of run-arounds, getting transferred from representative to representative - I continue to only be told that their security team would get back to meafter over a year, I am not holding my breath. 

The experience with this company has made it very hard to want to continue to work with them.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (GA)

My name is XXXX XXXX I am an XXXX XXXX XXXX XXXX veteran.I was racially profiled by apple at Goldman each.I had a my Apple Cash locked without being given any reason after it being compromised by fraudulent transactions and apple decided to discriminate me instead of helping and giving a reason then they permanently locked my Apple Cash and restricted my Apple Card permanently. I demand retribution in court or a valid reason for this inexplicable discrimination.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (IL)

There are several inquiries that I have no account for. Please remove them as I have listed them below. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

I made an appointment to open a business account. My appointment was approved. When I arrived the person helping me said right away, " We will not be able to open this today. '' I was confused. I asked " Why is that ''. He stated, " well my manager is not here to approve the account '' This was also due to my father needing to be added to the account. He is in another state. ( MS ) Nevertheless, he asked " Can I have your documents? '' I asked, " Which documents do you need? '' I wanted him to specifically ask for what was needed. I did not want to provide anything that was not necessary. He said " I will just take what you have ''. I hesitated but gave two documents : EIN number document and the Articles of Organization. He looked at the documents, seemed to look up a few things on the computer and then stated, " I will also need proof of the address for your business. Like a utility bill, lease, etc. '' I was confused. He then leaves the desk to speak to who he initially said was his manager but later said they were his co-worker. When he returns I tell him, " I do not have any of these documents. I did not know I would need them as it is not stated on your website that I would. '' He then continues to tell me over and over that this is required to open the business account. I asked, when did policy started. I previously opened a business account with Wells Fargo a few years ago with my husband. This was never asked. He said " It started in XXXX ''. After going back and forth I asked, " do you have this policy in writing anywhere? I've looked at your website and see no such policy. It does state, 'if the documents your provide inaccurately show your business ' address, additional documents may be requested '. Is there something that is inaccurate on the documents I have provided? '' He proceeds to tell me that he checks everything and I just printed this off the internet. I asked, what else should have been done to prove the formation of my business. He did not respond. He continues to say this is their policy but fails to produce anything to prove the policy. I asked when his manager would be returning. He said she will be out for the week. Safe to say I did not believe anything he had to say. I explained my confusion and said I have a feeling this is a subjective request based on his prejudices. Of course he disagreed but still could not produce proof of said policy. I asked, " so when others come to open a business bank account, do they automatically know what documents to provide? '' He said, " well I don't have a business but when others come they have all the documents needed. I don't know how everyone else thinks but they always have the things I am asking for. '' At this point I just want to leave. I left work as a teacher down the street early to make the appointment made the previous week to be met with discrimination and no business bank account.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I opened a Fidelity credit card which is controlled by Elan Financial Credit Card Services. They offered me a promotion of bonus points if I met a certain spending threshold in the first 90 days. I met the threshold and had {$180.00} worth of points, but they deposited the money in an account that wasnt mine. When I contacted them about the issue they never fixed it. They also retaliated by closing my account. They still have yet to provide me a written reason why they closed my credit card account and never provided me a method to repay my balance. This doesnt seem like a legal practice. Elan had somebody named XXXX ( XXXX ) XXXX call me and she stated she would resolve the matter. She never did and will not respond to any phone correspondence since the initial call. They continue to say they will resolve these issues but no action is taken. Also nobody from their company will respond to my calls or emails.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (VA)

I was a victim of Credit Karma giving me preapprovals based on my credit report-and when I applied, I was denied. I stopped applying and now I disregard the preapprovals offers. My credit was checked and caused a decrease in my credit score several times. I expect to be compensated from the results of this lawsuit -My Credit Karma was also closed after I had to dispute charges