davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Every day I am getting harassing calls at my job, which is making it difficult for me to work, as well as getting harassing calls on my house phone and cell phone for myself and my mother, the cosigner. The representatives says things such as I shouldn't have taken out the loans if I can't afford the payments, they are going so send an officer to my place of employment, as well as to my home to serve me notice, they are going to garnish my wages, and they are going to keep contacting me. On Monday, XX/XX/2019, I told the representative that I fell behind in payments due to me getting sick for a few months so i was out of work with no income, this was after the months of XX/XX/XXXX-XX/XX/XXXX when I am unemployed because school isn't in session. The representative offered me a XXXX paper for the time I was working, but my illness would not be labeled as a XXXX, I just had to get well and I told her that. She then told me to try to borrow the {$370.00} payment from someone so the loans wouldn't default. i explained to her that no one has that type of money to loan me and I can't pay them such a high payment and still live month to month. The last payment was made to them on XX/XX/2019 in the amount of {$340.00} by my mother was is on a fixed income due to retiring and we can't afford that high payment. We have experienced several losses like repossession and loss of housing due to income changes. It is stressful and they aren't trying to compromise, but threaten and call daily.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-26
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: SYNCHRONY FINANCIAL (IN)

In XX/XX/XXXX, someone fraudulently applied for a Lowes credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. SynchronyBank stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (TX)

I have a mortgage with CMG Mortgage. I requested forbearance in XX/XX/XXXX due to COVID. I requested to come out of forbearance in XXXX of XXXX. CMG took until XX/XX/XXXX ( 7 months ) to finally give me a loan modification trial payment plan instead of the 30 days I was told. I started making the trial payments in XX/XX/XXXX for XXXX trial payments for XXXX - XX/XX/XXXX. I made the trial payments and continue to make them. After the 3 trial payments, I was supposed to receive a loan modification within 14 business days of XX/XX/XXXX so XX/XX/XXXX. I finally received the loan modification paperwork at the end of XXXX, sign and mailed it, and CMG received it XX/XX/XXXX. It has been over 30 days and still the loan has not processed and it is still showing delinquent. It is affecting my credit score, my ability to refinance another property, and many other financial impacts. They have held me hostage for over a year financially. Any help would be appreciated.
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Vinci Law Office, LLC (CO)

I do not have any collections that I know of that this company so call says that I do. They repeatedly called myself my mother my XXXX year old grandmother and harasses they threatened with abusive language they repeat XXXX all the time they threatened with obscene legal gestures all kinds of stuff and yet all they want is my card info and some crazy amount of money and they do not say for what or how or anyting they call and call and call and call.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I pulled my credit report then I noticed a collection account on my report. Is was XXXX XXXX XXXX. I called them ( I C Systems Collections ) and gave them my name and address and they couldn't find any collection account. I then disputed it with XXXX XXXX thinking it would come off. 30 Days later i checked my report and it is still on there as verified! I called I C Systems Collections and gave them my name and address and they still can not find the account even though they just verified it. I called I C Systems Collections with a representative from XXXX XXXX on the phone and they also said they can't find the account with my name. ( Recording attached ) I asked why they can't delete it then and they said they do not have the authority!
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Original loan from XX/XX/XXXX had an interest rate of 7.650 % and a payment of {$460.00}. The loan was modified in the fall of XXXX, with an interest rate of 1 % starting with the XX/XX/XXXX payment ( {$60.00} ) through the first 5 years. The interest rate would then increase to 4 % on XX/XX/XXXX ( payment of {$92.00} ) and continue through to the loan 's maturity on XX/XX/XXXX. 
The company is under a court supervised financial restructuring. It assigned a new number to the loan and in the process, then returned the loan 's terms to the original ones instead of following through with the loan modification terms.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AL)

In 2016 my ex-girlfriend 's cousin stole a check and over drafted my account. Now, 5 years later US Bank still has not done anything to rectify the situation. I have submitted my police report to them on no less than 3 occasions. I call them every few months for an update and I receive the same answer, " they're still waiting on the police report. '' I have receipts of two occasions where the police report was indeed sent at the requests of the US Bank representatives. The receipts include names and email addresses of the recipients. I also have the name and address of the thief. Her name was written and signed on the check. My signature was nowhere to be found. I am very concerned that the unauthorized check was cashed in the first place and even more so at the incompetence of US Banks representatives. They continue to deny I sent them any documentation, though I have proof that it was not only sent, but also forwarded to another employee. I refuse to pay them for money that was stolen FROM ME. As such I have been unable to open an account with any other bank for the entire time ( 5 years now ) I strongly urge anyone to avoid doing business with them because from my experience they do not care about their customers. This needs to be investigated and rectified as I am certain I am not the only experiencing these issues with US Bank.
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (CO)

A credit card account was opened on XX/XX/2019. {$210.00} is up for collection and I'm not aware of this account. I didn't open it. I have disputed it but it still shows on my credit report.
Consumer complaint received 2020-11-28
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: GOLDMAN SACHS BANK USA (CA)

i didnt make a purchase with a site called XXXX and my credit card company said they gave them sufficient evidence to show for it, i requested the evidence didnt get it, and i know for a fact i did not make this purchase and i would like this to come off my valve because it is over {$1900.00}
Consumer complaint received 2020-11-28
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. (GA)

On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.
Consumer complaint received 2020-11-28
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)

When we first serviced our mortgage loan on XX/XX/2015 with XXXX XXXX, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from XXXX XXXX stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from XXXX XXXX stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on equifax the information is not reported correctly. On XXXX and XXXX it is correct. Equifax clearly states my first deliquent with XXXX XXXX was XX/XX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, I contracted Chase via phone. I was attempting to buy tickets from a seller and was provided with a name and email address. As a way of due diligence I spoke to a Chase representative regarding XXXX and to ensure the name and email belonged to a legitimate account. The email was confirmed to have an account with Chase or one its partner banks. I went ahead and submitted a transaction for {$480.00} to XXXX XXXX at XXXX I did not receive the digital tickets within 10 minutes and the person stopped responding to my calls/texts. I immediately contcted Chase to stop the transaction but was told the person had already accepted the money and they could not retrieve the money. They informed me they would file a claim to contact the persons bank and try to get my money back. I was told I would hear back within 5 business days.

I contacted Chase again on XX/XX/2018, since I had not received any information. The representative told me there was no update but provided me with a case number and XXXX   number and told me to call to get an update. After being in the phone for over 20 minutes, XXXX informed me they dont handle claims and that this issue needed to be resolved directly with my bank. 

I called Chase again and was told my claim had been rejected by Chase and that they had submitted a claim to the persons bank. I was told I needed to wait and see if their bank would reimburse me. Needless to say, I did not receive the customer service or assistance I needed from the bank where I have been a loyal client for 7 years. I requested the name of the bank of the other party so I could attempt to follow up on my own, but was told I could not have this information. I was told to just call back periodically to see if the other bank had responded. I have yet to receive any information and no refund has been provided.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CT)

{$17000.00} in portfolio sold off fraudulently on XX/XX/2021 between XXXX all of my Coinbase was sold off to another account / email which I am in possession of I did not authorize this transaction. I notified coinbase and was given a case number they give me automated answers and no real response they are completely liable since I did not authorize any of my account to be sold off ETH XXXX @ XXXX am ( {$10000.00} XXXX XXXX XXXX @ XXXX ( {$2500.00} ) XXXX XXXX @ XXXX ( {$1000.00} ) BTC XXXX @ XXXX ( {$2000.00} ) LTC XXXX @ XXXX ( {$620.00} ) LINK XXXX @ XXXX ( {$620.00} )
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PARKSIDE LENDING, LLC (CA)

When we first serviced our mortgage loan on XX/XX/2015 with Parkside Lending, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from Parkside Lending stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from Parkside Lending stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on XXXX the information is not reported correctly. On XXXX  and XXXX it is correct. XXXX  clearly states my first deliquent with Parkside Lending was XXXX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.
Consumer complaint received 2021-05-20
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. (LA)

I have an auto loan with XXXX XXXX XXXX on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with XXXX stating I would continue making my regular monthly auto payments to XXXX XXXX XXXX. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that XXXX has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called XXXX XXXX XXXX back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by XXXX XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach XXXX XXXX XXXX a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

The XXXX XXXX XXXX sold my debt to Hunter Warfield and the amount they are trying to collect is inaccurate. I originally owed XXXX XXXX XXXX  {$5700.00} when I was taken to court and when I moved out. Hunter Warfield is trying to collect from me {$12000.00} which is an incorrect balance that I never owed to the original creditor. The inaccuracy of this balance is accruing interest everyday which is terribly hurting my credit profile and preventing me from renting out from landlords and property management.
Consumer complaint received 2020-11-28
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: SYNCHRONY FINANCIAL (PA)

I have 3 hard inquiries on my credit report from Syncb/Lowes on XX/XX/XXXX Syncb on XX/XX/XXXX and Syncb on XX/XX/XXXX. 
I have not made any of those requests of any kind of credit from this company I have disputed with them before and they did nothing I believe it may have my Ex boyfriend who has my information or someone else I can only be certain that its not me. I would like you to have these inquiries removed from my credit report.
Consumer complaint received 2020-10-05
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. (SC)

XX/XX/XXXX a fraudulent item on my report from XXXX XXXX XXXX was removed from Equifax. I reviewed my report XX/XX/2020 and the item has been reinserted. I provided Equifax with the FTC Report an other requested documentation and I received no notice of it being investigated nor was I notified of it being reinserted on my file. I spoke to 8 different representatives before speaking to a lead named XXXX in Consumer Affairs at Equifax, she indicated that I would have to re-dispute the information all over again. When I disputed the the item 2 years ago initially they provided this company with personal information of mine that the company would never had and they refused to provide me with how the debt was validated or documentation. When I requested a Manager she acted as if she could no longer hear me and sent me to a survey. I spent a total of 5 hours just trying to speak to someone regarding this. 
I need guidance and assistance. Equifax has to stop violating the rights of American Consumers.
Consumer complaint received 2020-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal has placed a limitations on my paypal account with no explanation as to what I did or might have done. I can not send or receive money permanently. I received an email on XX/XX/20 saying that I can not use paypal anymore. Period. I can not answer the email. I called an associate and they say they can not or will not help me, nor can they say what the problem is. They have a resolution department which I can not contact. If I click on that, I simply get a message saying that I can not use paypal anymore with no steps as to what I can do to get limitations removed. The associate gave me an email address to use, compliance.paypal.com. I sent an email and was simply told that there are steps to resolve the problem. They told me to go to paypal, help and resolution. Right back where I started. They say, and give me a link to contact customer service, and the link takes me right back to the problem I am having with absolutely no way to contact customer service. My rights have been violated. There is no way I can see to contact them with a track to resolving this dispute. I have been cutoff completely. In 180 days I can back any money I have in my paypal account but I have none. That is not the point. I can no longer receive or send money. I have sent money for 2 reasons, send money to my family and order from XXXX  none of which violates anything. I have been wronged. Any more steps I can take?
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (GA)

The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in years.
Consumer complaint received 2021-03-26
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. (OH)

I have filed a dispute with Equifax regarding XXXX XXXX XXXX, XXXX XXXX derogatory mark in regards with incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WI)

They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by XXXX XXXX XXXX. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak XXXX well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in India and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill