davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: O&L LAW GROUP, P.L. (MD)

Today I realized that around {$6000.00} USD was withdrawn from my account from a law firm called O & L Law Group on a Legal Order. I have no idea what this debt is about. This company nor another agency has contacted me about this debt. If it is mine, I am willing to have set up a payment plan. Now, I have no money on my bank account, and I don't even have money for rent, food, or gas. This type of action shouldn't be legal. Please help. 

Also, I have received 2 letters from different companies that I have applied for loans which I have not. I am not sure if this is all connected. 

This is the law firm website : http : //www.ollawgroup.com/ These are the other two companies saying that I have applied for loans : Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Plus XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I am writing with a serious grievance regarding my accounts serviced by XXXX XXXX - a division of NELNET , Inc. - which house three private student loan accounts serviced on behalf of XXXX XXXX, the lender. Upon phoning in to XXXX several weeks ago to inquire about remaining forbearance time on my account, I was advised by three separate representatives on four ( 4 ) separate occasions that each of my loans had nine ( 9 ) months of forbearance time remaining for my use, most recently on a call today, XX/XX/XXXX. Upon being previously informed of my remaining forbearance time ( 9 months ), I made several financial decisions to plan out my budgeting and finances accordingly, only to receive a call one week later, informing me that I infect only had three ( 3 ) months of time remaining on two of my loans. 

Understandably, I was and remain outraged at this sequence of events, as XXXX staff erroneously informed me on four separate occasions that I still had nine months of forbearance use available to me, on recorded calls. This situation has directly caused me financial harm, as a result of the misinformation provided by four XXXX company representatives, and XXXX must be held accountable for this grievous error. I have spoken to management, whom only give generic replies regarding their error, and refuse to coordinate with XXXX XXXX to honor the additional forbearance time, as a result of their company 's error. At this time, as a result of XXXX 's blatant errors and refusal to assist me with resolution, I am requesting immediate resolution to this matter by either coordination with XXXX XXXX ( the lender ) to honor this additional 6 months of forebearance time on the two other loans, as promised by their staff, or that XXXX XXXX covers the minimum monthly payment for these two loans for the 6 months after the current forbearance time ends ( which is allegedly set to due so in XX/XX/XXXX ). XXXX 's erroneous misinformation provided to me -- by four company staff members -- has caused me direct financial harm, and I must request immediate resolution to this matter at the executive level.
Consumer complaint received 2021-05-26
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In or around, I disputed an erroneous cancellation fee from XXXX XXXX in the amount of {$120.00} with Capital One. In fact, XXXX XXXX acknowledged that the charge was erroneous and sent me an email illustrating that they would credit my account ( see attached ). Capital One initially accepted my dispute and requested " confirmation showing no cancellation per policy was received. '' This request is clearly not coherent. Additionally, the merchant did not supply any documentation illustrating that I agreed to a cancellation policy with a {$120.00} cancellation fee. Although I provided Capital One with documentation illustrating my account should have been credited, they failed to investigate my dispute and credit my account accordingly. Unfortunately, this has been a pattern and practice with Capital One as they have failed to thoroughly investigate and resolve disputes.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi Bank of America That is not right by the rule of law book. 
I am deposit the check on mobile deposit on XX/XX/2022 and I was received the email said the fund is available on XX/XX/2022, Today is XX/XX/2022. I am call Bank of America asking them why mine check was not clear they told me on XXXX XX/XX/2022 The fund is available. 
Mine self and other customers feel like Bank of America not following the rules book and the law book. 
I am feeling like Bank of America try to hole customer money to investors something. 
Thank you
Consumer complaint received 2020-03-18
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. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX  XXXX  XXXX {$93.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX  XXXX {$8500.00}
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-03-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

on XX/XX/2022 at approximately XXXX I contacted Equifax and asked them why my credit report on their site Equifax 's own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in Equifax 's credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free equifax report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (GA)

I bought the car at XXXX. Its been 5 years. Ive made payments to catch up and Im never caught up. Ive paid so far over XXXX  for the car. And it still shows I owe XXXX. 
When I bought the car, everything was missing.. from the mats, to the car being a lemon. I never complained .Not even once. I simply fixed what I could. 
Everyone goes through hard times, but the loan is killing me because I dont see any improvement with my loan, or how and when I will pay it off. They offered extensions when I was out of work, and then I turned around and payed up for these extensions, yet I dont see a change. Theyve said it is a simple interest loan, but how is it possible for interest to still be acquired after paying on time. I am being robbed. And I dont think Im the only one. I need my title. I have paid for this car in full and over. It has caused XXXX, I dont enjoy the car, it has been a burden. And thats not great. Why would a company do people that way? Im hurt. I dont know what to do or where to go. All I know is.. I deserve my title because my car has been paid off months ago. It isnt fair what Brigdecrest has done to me. I need answers, not more running around. I need honest answers.
Consumer complaint received 2020-03-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

I called Flagstar today because of everything going on with COVID-19. I am XXXX-XXXX  and had a lot of clients cancel because they lost work which then in turn is causing our business to lose money and revenue. In 2 weeks, we have lost over {$20000.00} in revenue that would have other wise came in If not for the coronavirus. A lot of my friends on XXXX and XXXX were posting about mortage companies offering relief and I wanted to see If Flagstar did the same. They said they did not and I could fill out a loss mitigation package which actually could take weeks to review and then my credit would be affected.
Consumer complaint received 2021-05-26
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 (OK)

The payoff check for my loan was received by Kia Motors Finance on XX/XX/21, and processed on XX/XX/21. The amount was never applied to my account, and no one at Kia seems to know where the payment went. The check had my name, VIN, and account number on it so it was easily identifiable. I have also provided them with the check number, but that did not seem to help either. They seem to have just taken the money, and expect me to make payments on a vehicle that I no longer own. The vehicle was sold to XXXX, XXXX and they were the ones who made the payoff. I am stuck in the middle with the threat of my credit being ruined, and no one seems to really care.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have had two false hard inquiries to my credit report one from XXXX XXXX XXXXXXXX dated XX/XX/2022, and one for XXXX XXXX XXXX dated XX/XX/2022. A false account was opened in my name for XXXX XXXX XXXX. Additionally I have had false applications for California State unemployment dated XX/XX/2022.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I applied for my first mortgage in XXXX and received a " pre-approval '' in XXXX and XX/XX/XXXX. Now my closing was scheduled for Wed XX/XX/XXXX at XXXX. My loan officer, XXXX XXXX, has coached me on items to resolve in order to receive an approval. I complied. I provided all financials and received approval letters. Once I found a home and my offer was accepted, the contract was sent to Wells Fargo and the process began. 

Throughout this process, I stayed proactive in communicating with Wells by asking what was needed, and status check. Not until the week before closing I received a request for rental receipts from my current residence. I provided that information immediately. Two weeks to closing date I have asked what else is required and may i please have closing instructions. 

Monday morning I sent an email to loan officer and processor requesting closing instructions, no response. Then I received a call Monday XX/XX/XXXX at XXXX stating my loan was not approve without explanation. I sent an email Monday night with questions of clarity of denial and options, no response. 

The morning Tuesday XX/XX/XXXX, I sent another email requesting answers, no response. The closing attorney called my real estate agent stating they were notified by Wells Fargo that my loan was canceled. I have not received any email notification of loan cancelation. I receive a secure email for XXXX XXXX, stating I was denied due to me not filing my XXXX taxes, that was nothing new. Attached it his email was a letter he stated that was generated Monday evening. In order for the denial letter to generate they had to run my credit AGAIN. Wells Fargo never completed their verification process by calling my CPA, who has repeated confirmed that Wells Fargo has not contacted them. Nothing about my financial situation changed since I began this process. 

I have already invested close to {$15000.00} to purchase this home. No one has provided me with a valid reason for the denial. As a single mother of 2 children, I am now homeless because Wells Fargo dropped the ball and I have to turn in my keys to the rental I currently live in and the seller is a elderly widow who is in the process of moving her belongs. There are families being uprooted and alot of lively-hoods being interrupted because of this.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXXXXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I became aware of fraudulent use of my Social Security number when I tried to conduct online business with SSA ; they used Equifax to check my identity. XXXX  and XXXX  both showed nothing wrong when I checked each of my reports out there just minutes later with using SSA website. I then proceeded to try and access Equifax website, when I went to create a MyEquifax account, the automated system to prove who I am showed credit account items from XXXX forward which did not apply to me, therefore I know it was fraud. The system booted me out and said call the 800-number. Did that, finally got somebody, they said send your Name, Address, Phone # and photo copies of your SSN and driver 's license to their Fraud Dept in XXXX, Georgia. Did that and today, XX/XX/XXXX, is the " 10-business Days '' deadline. 

Called them to see what's being done so that I can SEE the fraudulent accounts on my credit report and they give me the runaround. They have to 'verify ' my account information and are asking about credit cards that I've had in the past. Well, I don't know about you, but my memory isn't as good as it was AND I never figured on having to remember every little detail of my credit history in case of Indentity Theft. So I got nowhere. 

They said " Just wait to hear back from us. We don't have your photo copies uploaded to our system, so we can't do anything. Just be patient. ''
Consumer complaint received 2021-05-26
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NM)

On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform.

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS XXXX CURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND XXXX ASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM IRA FINANCIAL ( XXXX  ), A 3RD PARTY SERVICE PROVIDER ( SECT. XXXX ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX  'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX  'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( XXXX ) & ( XXXX ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED IRA XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
XXXX. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, IN VIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
XXXX. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
XXXX. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THE ASSETS FROM GEMINI 'S EXCHANGE. 
C. IT FAILED TO REQUIRE XXXX BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS XXXX REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN
Consumer complaint received 2018-05-02
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: AES/PHEAA (AZ)

I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. AES, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.