davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (VA)

I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that? 

FIX MY CREDIT REPORT! I don't want money. I want you to remove the 30, 60 and 90 days later reporting on XXXX, XXXX  and XXXX. I tried to pay on time and you would not allow me to make my payments.
Consumer complaint received 2021-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

Carrington mortgage service I was on XXXX since XXXX of XXXX I re submitted to extend my forbearance XX/XX/XXXX XXXX.pass due {$22000.00} I Was never informed that I was denied forbearance I received a letter in the mail certified thats said intent to foreclose. 
I contacted Carrington Mortgage service Informed them I received a letter fir foreclosure Custumer service rep said that my XXXXXXXX was not extended and that I had to pay totally pass due or would be foreclosed and that they sent me a letter stating I exhausted XXXX months I stated I did not receive such a letter in the mail and that online email stated the forbearance was being processed custumer service no it was denied also today XX/XX/XXXX I received the letter supposedly sent that my forbearance was XXXX  months complete yet the left stated that I voluntary canceled XXXX  this is out right lie by carrington Mortgsge as I have an email confirmation from when I applied to extend my forbearance dated from them XX/XX/XXXX Now I dont trust them at all custumer service on phone call stated they terminated because I reached XXXX months.
Consumer complaint received 2021-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK ()

I use XXXX XXXX XXXX ( XXXX by East West Bank ) . 

I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. Both the payee and the payers XXXX XXXX account were frozen {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

So far, 8 months have passed and the remittance status has not yet been confirmed. 

I have complained about this issue on consumerfinance.gov last month ( see the attachment ), but bank still tell me wait. 

I have been waiting for the bill confirmation for 8 months, but I still haven't waited. 

Bank have never told me the exact confirmation time. 

I really have no patience to continue waiting. 

I hope the company can help me solve this problem, otherwise I can only complain over and over again.
Consumer complaint received 2021-01-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2014 created a " NEW LOAN '' to STEAL my homestead without my knowledge or consent. I HAVE NOT executed any loan documents on XX/XX/2014 with Nationstar Mortgage. Nationstar Mortgage created a new loan {$160000.00} committing mortgage fraud. I HAVE NOT MADE ONE SINGLE PAYMENT ON THIS ALLEGED DEBT AND I WILL NOT MAKE A PAYMENT ON THIS FRAUDULENT MORTGAGE CREATED BY NATIONSTAR MORTGAGE. NATIONSTAR MORTGAGE IS CREATING MAIL FRAUD, MORTGAGE FRAUD, SERVICING FRAUD, AND VIOLATING THE FEDERAL AND TEXAS DEBT COLLECTION PRACTICES ACT. As you are aware, Nationstar Mortgage is notorious for this type of fraudulent conduct.
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TX)

I co-signed for my son 's dad XXXX to get a new truck in XXXX that is currently being financed with ally financial. in XX/XX/XXXX Ally reported to the credit bureaus the account was past due. it was not I have made several attempts to dispute it from my credit report and have been unsuccessful full. I have been going back and forth with ally about this account because XXXX will not refinance to do whatever he needs to get me off this account with him. XXXX took me to court in XX/XX/XXXX claiming I left our primary residence and that I was in contempt of court. I was breaking the court order. the same year XXXX XXXX also filed a fraudulent tax return and claimed me as his spouse knowing I was already married to someone else and got a tax refund off of me because I didn't work that year. I would have mentioned this information in court while I was accused of breaking our court order but I did not know until 3 months later when I was registering for school and count get financial aid because my tax information didn't match what the IRS had. My point is XXXX doesn't get it both ways. what XXXX put on the paperwork for ally is false he said so in court and its illegal to lie on your credit application where he works and lived is false
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Navient modified their online payment system to prevent paying into individual loans. 
They instead group loans together and apply payments across them. 
This makes it impossible to pay off a high interest loan faster than a low interest loan. 
This is a problem because the option was there in the past.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I've been trying to recover this check from PayPal since XX/XX/XXXX, XXXX, to no prevail. 

The transaction ID is : XXXX It was {$570.00} with a check fee of {$1.00}, equaling {$560.00} Its unacceptable how PayPal makes it impossible to speak to a human being when calling their listed number. It appears PayPal intends on conveniently overlooking processing this pay-out. 
I can only imagine how many people they do this to. 
This transaction was a payout from my son 's PayPal account. My son was allowed to create a PayPal account with all of his information and my son was allowed to collect money using Paypal as his payments processor, but when he wanted to withdraw his money, suddenly PayPal sent him an email stating that he was not of legal age and that his account would be closed and his access was immediately restricted, preventing him from withdrawing this money. 
When he called PayPal, at the time, he was told that his legal guardian/parent would have to speak to PayPal in reference to the funds being paid out. I took the phone, as his mother and after a brief conversation, I was told that his check would need to be mailed out instead of the usual direct deposit method commonly used to take funds from a PayPal account. A Transaction ID Statement was emailed to us and after waiting for months and never receiving the check that corresponds to this transaction ID, we have been trying to contact PayPal in vain, ever since.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NY)

My identity was stolen. I received a XXXX XXXX card with unemployment benefits in or around XXXX. I did not file for these benefits. I filed fraud complaints with XXXX XXXX, XXXX XXXX, and now you. In the interim I check my ID shield and two accounts have been open in my name with an online bank called XXXX XXXX. I can not reach anyone there to help me close them. 

Please help me stop this and find out who it is. 
XXXX XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MA)

citibank, na, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to XXXX  that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. XXXX  did not remove the high balance and my credit score went down. I disputed with XXXX, bank card said they did not have any information in letter format and that I needed to write them a letter. no.
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MI)

I contacted all 3 credit bureaus and asked them to remove this closed account off my reports it has been almost 7 years since they received a payment so it should have fallen off my report.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MO)

I am submittin this CFPB Complaint to follow up the most recent CFPB complaint I submitted last XX/XX/2022. The Credit Reporting agencies have failed to comply with the Federal statute and continued reporting the disputed items wihout sending me copies of proof of verification. This action of the Credit Bureaus is a clear violation of a consumer 's rights which is protected by the Federal regulation. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

XXXX Loancare Account # : XXXX. Conventional 15 year mortgage. Received letter advising of {$120.00} Esrow shortage XX/XX/XXXX. Mailed check to cover XX/XX/XXXX. 
Morgage payment sent electroncally by usual bank XXXX XXXX XXXX XXXX for {$1300.00} noted as recieved and cashed by bank XX/XX/XXXX. 

Issue : Morgage holder denied receipt of payment. Sent add'l confirmation to mortgage holder and recieved email confirmation they received the payment in XX/XX/XXXX. 

XX/XX/XXXX Advised by credit agency that my credit score dropped 60 points in XX/XX/XXXX when they were notifed by mortgage holder that I was over 30 days delinquent in payment. Per telephone call to mortgage holder XX/XX/XXXX they would not correct credit report until add'l transmittal information recieved from my bank. 

Besides ruining by credit, this has also stopped my refinancing process
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

In mid XXXX i was in a accident, i sent Kia Financing a bank transfer for {$4500.00} to pay off my loan thinking i would get a check from insurance, well the insurance company also sent Kia finance a payoff transfer. I have called Kia once a week for close to 100 days requesting my refund, each time i call, they promise to send me a check, which never shows up ... I called them today and again promising to send a check in 10 to 14 days, I am now unemployed because of a cutback at work relating to covid and i need this money now. The people i talked with today in cust. service is XXXX, and a superviser XXXX in cust. servise
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I called Equifax multiple times about XXXX inquiries that are on my credit report that I did not make. All they do is inform me what an inquiry is. I explain to them i know what inquiries are, then they tell me they can not do anything about them. I even wrote letters to them explaining the situation. I have been trying to work with them for three months. Every time I ask for a supervisor they tell me they do not have one or they are unavailable. The inquiries are from XXXX ( XXXX 2016 ) and XXXX ( XXXX 2016 ).
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Advantage LNS Inc. (FL)

This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Synovus Bank (AL)

The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.
Consumer complaint received 2015-07-29
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc. (CA)

The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (NV)

To Whom It May Concern : I filed CFPB Complaint XXXX against Discover Card on XX/XX/XXXX. As of XX/XX/XXXX Discover Card told CFPB their response is in process. I received In a letter dated XX/XX/XXXX, collections law firm XXXX XXXX XXXX contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client Discover Card has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct XXXX XXXX XXXX to contact me on their behalf, especially when they had proof of my exempt income. 

Discover Card has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XX/XX/XXXX letter from XXXX XXXX XXXX, which might indicate, in my opinion, the likely intention of Discover Card to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if Discover Card claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, XXXX XXXX XXXX. 

Since the CFPB Database seems to indicate that XXXX XXXX XXXX might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that XXXX XXXX XXXX provide written acknowledgement of my exempt income. I have other exemptions as well. Discover Card is put on notice that they were aware of my status BEFORE they sent XXXX XXXX XXXX to attack me, so Discover Card is responsible for any and all actions of XXXX XXXX XXXX.
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-01-17
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. (TX)

I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX  requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

My card shows that funds do not expire. However, I have been charged a $ XXXX Post-Expiration Monthly Account Management Fee since the expiration date on the card until the funds have been completely depleted. THe company that held the funds for this card is XXXX