davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TN)

On XX/XX/2019, I received a voicemail from Citi saying I should call them back, but didn't tell me why. I wasn't sure if it was a scam so I logged into my Citi account where I received a notification that my account was in collection. I checked my records and realized that I had not received a bill for my DoubleCash card since XX/XX/XXXX so I called Citi to let them know. The service person confirmed my bill was late and I explained that it was only late because I had not received a bill. I asked him what I owed and he told me what I owed and explained that I also had a late fee. I told him that I would immediately pay what I owed, but didn't feel that I should pay the late fee because I didn't receive a bill. He told me he could not remove the late fee so I told him to close my account if he was not able to do the right thing for a customer that has a strong history of paying his bill on time and in full for every billing period he received a bill. He did confirm that I have a long history of paying my bill on time and in full, but still could not remove the late fee. 

I have scheduled an online payment for the amount I owe, but still do not think that I should have to pay the late fee or lose the reward dollars I earned. The payment is scheduled for XX/XX/2019.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NC)

On XX/XX/2022, I was trying to purchase a teacup yorkie puppy that was supposed to be shipped to me. XXXX XXXX shippers told me that the puppy would need a specialize crate to fly in and i could rent this crate for {$910.00} upon which would be refunded to me once the puppy was delivered to my home. The funds were drawn from my XXXX XXXX account from my credit union to my PayPal account. We later found out that this transaction was a scam. PayPal is still holding these funds ; they claim that my credit union would have to do a chargeback then they would comply. I received a letter from my credit union on the fourteenth and according to them visa is a pee-to-peer payment processor and is responsible only for the transfer of funds, the service is not intended to be used to purchase goods and services. they suggested I seek compensation from the individual and they will not issue me a credit. 
the individual will not respond to me or PayPal because they know we have found out this is a scam. So now PayPal will not even return the money because there is no protection through friends and family that the individual told me to use to transferer the money the case is still in dispute with PayPal. I did explain to them that my credit union can not do a chargeback PayPal insist that they can. Paypal did refund the {$810.00} back to me that were supposed to be for vaccines for the puppy to fly and this transaction went through friends and family so I am not understanding why I can not get my {$940.00} back for the so-called crate that I rented. This is a shipping company called XXXX XXXX shippers out of XXXX.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo business bank checking account has an unauthorized transaction {$2700.00} from XXXX XXXX XXXX ( attached ) on XXXX, Because I am sick and unable to notice it until XXXX. 
I called Wellsfargo and open a Claim # XXXX on XXXX, After 3 days, Wellsfargo closed the claim without any investigation on XXXX. Wellsfargo refused to reimburse me because too much time passed. Wells Fargo said the business account agreement requests to let them know within 30 days.but I dont know about it and Wells Fargo cant provide the agreement I signed. 
I also filed fraud inquiry to XXXX XXXX XXXX, but XXXX XXXX XXXX does not handle disputes regarding unauthorized payments made without my knowledge and ask me to ask my bank. 
This is 3rd time unauthorized transaction happen to this Wellsfargo business account. I want the Wellsfargo reimburse {$2700.00} to me. 

Thanks, XXXX XXXX
Consumer complaint received 2022-08-24
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. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2021-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.
Consumer complaint received 2022-08-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

XXXX alleges owns XXXX XXXX XXXX XXXX XXXX NM I want to know how much they bought the property from Bank of America. I bought it for XXXX and it appraised for XXXX.
Consumer complaint received 2021-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CRESCO CAPITAL INC. (TX)

ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

Citibank credit card, Costco Anywhere Visa Card by Citi, has not been honoring one of its benefits. It falsely advertised that it extends the warranty of purchases to 2 years. I filed claims 4 times : 3 times via email, 1 time on the web portal, using the following contact Return this form and all supporting information required within 180 days of the item failure. 
By mail XXXX XXXX XXXXXXXX XXXX fax XXXX By email XXXX Need our help? 
Call the Citi card benefit servicing center, seven days a week. XXXX In summer 2021, I went to a Citibank branch to check on my claim. The banker said Citibank does not process claims, but the claims are handled through Citibank forms and contacts. I was told that it takes 2 weeks to process the claim. My first claim was filed email on XX/XX/2021, then again on XX/XX/2021, then XX/XX/2021, and it was still not processed.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. 

My credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. 

The first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. 

The most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that " The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is " valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.

That being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. 

Equifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. 

The issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. 

My lenders each report my SSN on my file and it is therefore listed as a " SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

For the past few months, I've been harassed this company Midland Credit say that I owe money which I don't. They call and send letters in the mail which is very stressful. They have violated several laws of the FDCPA 15 us 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX my Coinbase account was emptied. I opened the account in XXXX and never touched it for years. In XX/XX/XXXX I was contacted by XXXX of XXXX as agents for Coinbase. They offered to help me to move funds in my account to increase my earnings. XXXX XXXX was my contact and he provided me with almost daily information on my account including graphs showing how my funds were increasing. At his suggestion I made XXXX {$10000.00} transfers to Coinbase between XXXX and XX/XX/XXXX, with the last one taking place on XX/XX/XXXX. On XX/XX/XXXX I was no longer able to access either my Coinbase account or XXXX. It took me XXXX days to reinstate my account with Coinbase ( they kept asking me to re-set my account ). By mid XXXX I was able to access my account and found that it had been emptied on XX/XX/XXXX. I contacted the local police who sent XXXX XXXX XXXX to visit us on Wednesday, XX/XX/XXXX ( Case No. XXXX ) and at his suggestion I filed an Internet Crime Complaint on XX/XX/XXXX. Although the report was acknowledged, I have never heard back from them. In the meantime, I have had multiple communications with Coinbase who claim that they have always followed my requests. They sent me several reports showing the movement from my account on XX/XX/XXXX and the amount of the transactions, which were much higher than the funds I had in my account. When I asked them for further explanations regarding these reports, Coinbase provided me with a link to a site where I can subpoena them - I only wanted further information and had no intention of suing them or forcing them via subpoena. Obviously, my account was hacked and emptied, but what I want from Coinbase is information about how this was done and by whom, and the explanation for the very high volume of transactions that appear to have taken place in my account. I will attach a copy of my complaint to the Internet Crime Complaint base which provides information concerning XXXX and the different people involved, with dates of contacts, etc. XXXX additional name to add is XXXX XXXX who responded to one of my calls to XXXX XXXX in XXXX. His number is XXXX. I am not sure what connection he has to XXXX, but he was not happy to get my call.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

the company said they are offering a covid relief program which I requested assistance and they are saying a balloon payment is owed in XXXX I called the company and I was told that if I can't make this payment they will be talking taking litigation steps how are people who have lost their job able to keep their homes
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (OH)

I have called EQUIFAX several times trying to get resolution of a dispute. I was professional and I am not an irate type of person. It was extremely disappointing to have several people either hang up or transfer me to another person without my knowledge. I was even hung up on my a supervisor when I was going to quote the law. I am disputing items on my credit report based on 15 U.S. Code 1681a under 2B in exclusions. I demand these items be removed! I have also sent another complaint thru the CFPB. Confirmation XXXX. 

This ORGANIZATION WASTED HOURS OF MY TIME AND WAS VERY UNPROFESSIONAL! I DEMAND MY CREDIT REPORT BE CORRECTED AT ONCE! I HAVE DISPUTES FROM XXXX AND XX/XX/22.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Upstart Holdings, Inc. (UT)

I took out a loan from XXXX to pay off a high interest loan at XXXX. XXXX XXXX was supposed to send a check for {$8000.00} to Upgrade to pay off the loan. They sent it to Upstart in error. Upstart cashed the check on XXXX XXXX Check # XXXX the check was mailed to Upstart operations department po box XXXX XXXX XXXX California XXXX. I have spoken with XXXX XXXX and they admit to sending the check to the wrong bank but said since the other bank cashed the check there is nothing they can do. I have spoken to Upstart they said that since I do not now or have not ever had an account with them they can not do anything either. Both institutions have told me I need to speak to the other to get the issue taken care of. They have both also said I am out of luck there is no way to get the money back. Now I have to pay both the high interest loan and the one through XXXX XXXX. Someone at Upstart has pocketed the {$8000.00}. There has to be something that can be done to reverse the funds or find out where the money went so I am not stuck paying for the error made by two separate financial institutions.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (WI)

Living in XXXX and moving to XXXX I cancelled my XXXX account and paid my final bill at the end of XX/XX/XXXX and returned all of my equipment back to XXXX right before and around the third week of XX/XX/XXXX. In XX/XX/XXXX XXXX contacted me to say they were missing some of my equipment. I told them I returned it all and they finally found it all because then in early XX/XX/XXXX XXXX was no longer looking for the equipment they said I never returned but now I owed them another XXXX somehow. The bill was sent to my new address in XXXX and done so two months after I had cancelled this account, returned all equipment and paid my final bill. This billing statement was from XXXX and not a debt collection firm dated on XX/XX/XXXX. Throughout XXXX I have been calling XXXX to ask them what this additional monies owed is for as the billing statement provides no information other than an amount of XXXXXXXX owed. I asked XXXX on XX/XX/XXXX and XX/XX/XXXX to send me my full billing statement so I can understand fully what is being charged and why and instead I was literally sent to collections on XX/XX/XXXX and was called today XX/XX/XXXX by XXXX Account XXXX about this bill for XXXX that I had paid on XX/XX/XXXX. So, even though XXXX has not has not send me a full account and billing statements I paid this disputed outstanding amount on XX/XX/XXXX the same exact day XXXX sent me to this collections agency. XXXX did not answer any questions, were deceptive, provided statements with no information explaining the bill owed and then sent this account for XXXX to collections ON THE SAME DAY I PAID DIRECTLY WITH XXXX. I have great credit and have " Y '' on everything single line item for decades yet XXXX is using deceptive and dishonest business practices, giving undue stress to customers while not substantiating the bill / monies supposedly owed. XXXX has been a horrible company to deal with and similar things have happened to other friends of ours where XXXX plays these deceptive and dishonest business practices.
Consumer complaint received 2022-08-24
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions