davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NC)

I was contacted by a debt collection company at the end of XXXX and did not answer. This company, XXXX XXXX XXXX XXXX, then called my mother with legal threats against me so I called them back. They we attempting to collect a debt with regards to an old bank account that I had in my late teens ( circa XXXX ). They told me that if I didn't take action then I would have to deal with federal charges and so on. They we able to provide me with very real looking documentation with regards to the debt so I paid it. I was send a receipt for my payment and promptly moved on. 

About a month ago I received a similar phone call from another company trying to collect on the same debt and told them to leave me alone and put my on the DNC list  because I had already paid it. I then called Wells Fargo because they are the bank in which the debt was attached to and they had not record of said debt and informed me to ignore all future calls. 

Fast-forward to today, XX/XX/XXXX, at XXXX XXXX  EST I got a phone call for an 'unknown ' number and did not answer. I then received a phone call from my dad at XXXX XXXX EST that was very similar to the phone call I got from my mother last year. He told me to call them back and get as much information as I could as to why they were calling. While on the phone with them I realized that they were trying to collect the same debt that I paid last year. They were threatening me with legal action saying that I'm breaking a federal law for not paying this debt. I informed her that I had a receipt for proof that I had already paid it but it came from a different company. She asked what company and I told her I would have to look it up and asked her to wait a moment while I did. When I spoke again to let her know the name of the company she was not there. After hanging up I called my dad back and he gave me the number that she had called from. She told him that she was calling from North Carolina however the number that popped up with from New York. The number is XXXX. I did not get the name of the new company calling before they hung up on me. 

I'm starting to wonder if I ever own money in the first place and if I'm not just out {$470.00}. 

Attached are the letters and receipt that I received from the original company.
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I send Navient a letter regarding the student loans I had with Sallie Mae. I've been making payments as requested. I asked Navient could they provide me the Original Instrument of Indebtedness in it's Original Form. I was misinformed according to Contract Law.

They couldn't provide me with the Original Instrument of Indebtedness in it's Original Form, only copies. I am making a complaint because I was misinformed, mislead, & decieved.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

. Date : XXXX, 2020. Amount : Total XXXX USD. Company : Remitly ( www.remitly.com ) I found Someone hacked my Remitly account on XXXX and took out cash from my debit card which was linked with the Remitly account. I reported this unauthorized activity case to the Remitly company on XXXX as soon as I found it. they said their consumer protect team will contact you within 24~48hr. but no feedback from them. 
so, I contacted and complained again on XXXX but their answer was always " I am sorry to hear that. and the Customer protection team will contact you for the next steps within 24~48hrs. ''
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (WA)

I obtained a loan from a credit union to buyout my lease. I followed the exact requirements that I was provided by Chase ( the company that my lease was through ) and submitted the funds prior to the end of the lease term. I have confirmation that Chase received these funds through XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase called me at work to inquire about my payment for XX/XX/XXXX. I advised the person on the phone that it was paid off. I didn't have the XXXX tracking number at that time because I wasn't worried about them receiving/applying the check timely, but they were informed that it was paid off. 
I sent a secure message to Chase advising that I had paid them in full and provided the XXXX XXXX  information that included confirmation that it was received on XX/XX/XXXX. Outside of Chase acknowledging receipt of my message, I have not heard anything from them regarding this issue. 
On XX/XX/XXXX I called them because the account was still showing active, I was transferred to XXXX in Customer Service who stated that it takes XXXX days to apply a payoff check. Nowhere on the payoff statement does it indicate this processing time, which seems excessive to me. She told me that it should be completed by XX/XX/XXXX. She stated that it will be effective the date that it was received. 
Today is XX/XX/XXXX and the account is still active. I reached out to the new lender and the check has not been cashed. The new lender showed me the XXXX label that they filled out and it is exactly as directed on the payoff statement ( lease buy-out ) provided by Chase.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX reports that my Capital One Auto Finance account is open ( XX/XX/XXXX ). This is false ; this account has been closed since XX/XX/XXXX. Furthermore, the charge is paid in full ; I have my title and paid-in-full letter from capital one auto finance. Moreover, I have disputed this XXXX times and called the car company about this issue to no avail. I need this resolved because I wish to buy a home and I can not because my XXXX score has dropped XXXX points because of their careless reporting. 

I called Capital One Auto Finance, on XX/XX/XXXX and let them know I will be reporting them to cfpb.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Please be advised that on XX/XX/2020 we became victims of a fraud. 
While checking my emails in the morning I noticed an email from Citibank notifying me of a XXXX transaction of {$2000.00} to XXXX. Right away I logged in into XXXX and I noticed the transaction, however the balance of the account remained unchanged. Later on was apprised that this transaction was a failed attempt. We did not authorize this transaction. 
I called customer service right away and I have been told that there was another transaction for {$2100.00} to NAME WITHELD. This one went through. We did not authorize this transaction either.

My account was blocked and when we went to the brunch to open the new account we were also apprised that the phone number on record was different. XXX-XXX-XXXX is not a number associated with our phones. We do not have any contacts associated with aforementioned phone number. We do not know anyone by the NAME WITHELD We did not do any business, purchases or any interactions whatsoever with anyone by that name. 
We had our debit and credit cards and phones in our possession on all times and obviously we did not share out credentials with anyone. 
We DID NOT authorize the transaction for {$2100.00} on XX/XX/2020 We DID NOT authorize the transaction for {$2000.00} on XX/XX/2020. 
We have been Citibanks loyal customers for over 20 years. We always believed that our money were protected in our bank! 
We filed the police report for the crime of grand larceny. The copy of the complaint is attached. 
We are asking Citibank to fully investigate our claim diligently and to credit our account for {$2100.00} stolen from us.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (GA)

TOPIC : Mr. Cooper Between XX/XX/XXXX - XX/XX/XXXX violated the Fair Credit Reporting Act ( FCRA ) 1 ) Failing to report complete and accurate loan information on a monthly basis. Mr. Cooper did not accurately report credit to all XXXX credit report agencies accurately and/or at all from XX/XX/XXXX to XX/XX/XXXX. I spoke with a representative of Mr. Cooper, XXXX # XXXX, XXXX XXXX, who stated Mr. Cooper reports on or around the XXXX of each month to all credit reporting agencies, and according to all XXXX of my credit reports from all XXXX agencies that have not been done as stated above in the topic. 

XXXX ) Failing to modify and/or delete information when required. This information was reported to Mr. Cooper as instructed ; however, the request was ignored and the incorrect information remained on the existing credit report in addition to not reporting to all XXXX credit reporting agencies timely each month.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PayPal once again has dishonestly decided in the buyers favor and refunded our duly earned {$300.00} consultation fee even though we told the client in writing that it was non-refundable and the client confirmed that he received said second paid consultation, our first one being free. The client even fully retained us with a {$5000.00} retainer fee afterwards indicating their satisfaction. Please reverse in our favor and legally and equitably punish PayPal for this ongoing abuse and theft from our account, while they collect illegal interest while holding our duly earned funds in their account.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NC)

i paid my account in full with XXXX  XXXX  and exeter finance. i would like for those XXXX companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.
Consumer complaint received 2022-08-27
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: Uplift, Inc (AZ)

in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Upgrade, Inc. (NY)

On XX/XX/2023 I made a payment of {$6100.00} to be applied to a balance of {$8400.00}. Approximately 2 weeks later Upgrade XXXX lowered my credit limit to {$2300.00} without an in detail notice - just a very vague email. I have always paid on time except for back in XXXX when my payment was 6 days late. This happened due to a family emergency and my mom being hospitalized. I contacted them and went on their hardship program for 3 months and made the hardship payment on time every month for 3 months. While on the hardship program my account was suspended which I was aware of. After finishing the hardship program at the end of XXXX, Upgrade reviewed my account and gave me back my full line of credit to use. My point is is that they should have lowered the credit limit then- at the end of my hardship program when they reviewed my. Not after I paid them a huge payment of {$6100.00} over a month later. That is indirectly stealing a consumers hard earned money. I am asking for {$4000.00} of that money back or pay the current balance of {$2300.00} and receive the remaining amount back. Thank you.
Consumer complaint received 2022-08-18
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. (NC)

XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and XXXX. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include Equifax. In XXXX however, both XXXX and Equifax again inaccurately reported the late payment. XXXX reported it again as 30 days late and Equifax reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both XXXX and Equifax using information furnished to Equifax from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both Equifax and XXXX still refuse to update my credit report accordingly. I requested a copy of the information furnished to XXXX in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. XXXX stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. XXXX refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to XXXX.
Consumer complaint received 2020-09-30
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. (TX)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2018-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (TN)

I am filing a complaint today because I feel that they submitted a late payment on my credit report for something that was their fault and not mine. 
This started after I was XXXX XXXX XXXX XXXX and placed on XXXX XXXX  XXXX last winter. I had lost 2/3rds or my pay and I was struggling to make my payments. I had to take my Mr. Cooper Mortgage loan off of automatic payments because I was not getting my income regularly as before and not near as much. I was able to maintain my payments, but was late in both XXXX and XXXX with trying to recover from this incident. When I got back on my feet I decided to put my Mr. Cooper account back on automatic payments. I used their app to set this up in XXXX. I found it in XXXX that there was a late payment for XXXX on my account and got it caught up right away. I called Mr. Cooper about this and explained that I set this up on their app for auto pay and it didn't work and now it's on my credit report, and they said they would look into it, but nothing happened. I called and spoke with someone again and was told that the late payment was correct and there was nothing they can do because of the law and I explained that this was their fault. I understand that although I was injured and had issues outside of my control that both XXXX and XXXX are my fault, but the late payment in XXXX was an error on their part. I would like to purchase a house soon and this is a big deal concerning a VA home loan. I filled several complaints with the XXXX XXXX  XXXX but the only response I received was there records show no payment was submitted, which if it didnt work it probably wouldnt show it in the first place. They apparently sent me emails about the missed payment, but as I informed them I have been getting spam email from the at least every other day so I dont get relevant emails about my account because I am unaware of it..
Consumer complaint received 2022-08-18
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-30
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. (OH)

The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-08-18
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. (MO)

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

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( 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.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX finance # XXXX
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

As one of the 143 million victims of the Equifax XXXX data breach, I was provided with a credit monitoring service through XXXX   XXXX. Today ( XX/XX/XXXX ), despite the ongoing threat to my & my family 's financial security, as a direct result of Equifax 's negligence, I received notice from Equifax that the XXXX   service has been cancelled, with no reason given. Equifax should be held responsible for the original data breach, including small gestures like providing free permanent credit monitoring services.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.