davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

Theres a incoming transaction in my Coinbase account that has been pending for more than 48 hours. It said that my USD will arrive by end of the day on XXXX XXXX, 2018. It has 300+ confirmations n still pending. I contacted Coinbase Support and all they said was my case was escalated to a specialist to review which might takes days to get to. I checked blockchain and it looked like the money went to my address and then went right out. Please help me.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (IN)

XX/XX/19 I spoke to Quicken Loans ( 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ). Out of the three representatives, one asked for my social security number but stated that they wouldn't be pulling my credit report. At the beginning of the phone call with XXXX XXXX, I clearly explained to him that I wasn't yet able to apply for the XXXX XXXX Enhanced Refinace Relief Program. But, when we were discussing estimate figures, he stated we wanted to look at a " recent '' credit report and asked for my social security number. I was led to believe that he had access to view my credit report as such as a soft inquiry ( promotional, account review, etc. ).
Consumer complaint received 2021-04-22
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: Navient Solutions, LLC. (TN)

Today XX/XX/XXXX, I called Navient to remove my information front credit report but was told that they did not remove the information because XXXX is suppose do that. I then called XXXX and they told me that it was the responsibility of Navient to report it wrong. A little got was a run around from both. My student loan was XXXX in XXXX. I have had other issues with XXXX not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

I am asking PayPal to close my account, they refuse to do so and are holding my funds and not allowing me access to them. on XX/XX/2019 they said they " can not close an account with a balance '' And keep trying to get me to use paid services in order to access my funds. I want my account closed ASAP.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? Thank you.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Hi. I 'm not sure that this is the right direction to go, however I 'm out if options with this company. Nation star Mortgage is in process of ruining my credit. I can not get a rep or supervisor over there to help me remedy what should be a simple situation. Our mortgage was sold to them. We set up auto deduct and every month for about 5 months now, they have not been able to get my account set up correctly. 

When it was originally transferred from XXXX I was told I needed to do nothing and that auto deduct would occur. At this point I 've spoken to XXXX cust serv reps, and XXXX supervisorsWith no resolve. I 've been lied to, hung up on, and all I want them to do is debit my savings acct each month to pay my mtg. You can see through my bank statements that the money has been sitting there waiting to be deducted. Each time I 'm told that it 's taken care of it never is. I 'm not sure if I should get an attorney involved or what. I really want someone else to service this loan. I have no way to resolve this on my own. There must be a history in my account a mile long from all of the conversations. I feel like I should be paid as an employee of theirs because I 've spent so much time on this. 

I was told by my bank that it 's an internal coding error on their side, which apparently no one there knows how to fix. I have never been so frustrated or disappointed with a company 's performance in my life. At one point I had the bank and the mtg company on the line and they talked, figured out the issue and there is still no resolve. Funny thing is that when I 've called in after noticing the deductions have n't occurred they are able to pull the money internally ( from nationstars end ). So, you can see there is no issue with the account. My savings number never changed .. It 's always been the same. We use nexttier bank. I would simply set this up through another account if I thought it would help but I have zero trust in this company and quite frankly at this point even if they told me it was resolved I know it would n't be. My husband has direct deposit specifically for this mortgage and we set up auto deduct so we would never be late. Now look where I am. For us to change that over to another account just because nation start ca n't code a savings as a savings is absurd, also as an aside the rep I spoke to at the bank new immediately what the issue was be used it happened to her as well. I found that very ironic. 

Please help and let me know where the consumer protection from this sort of thing is? I 've set this account up numerous times and have even had them walk me though it. I pay plenty of bills online and automatically, and I 've never seen such incompetence in my life. I have also contacted the XXXX in XXXX Tx which is where I assume their headquarters is according to the billing address. 

I appreciate your help! 





Sent from my iPhone
Consumer complaint received 2020-10-08
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. (CO)

I sent a letter certified to Equifax in regards to three collections on my account. The collections account numbers are XXXX, XXXX, XXXX .They are reporting a collection with no original creditor. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon receiving it. They have not responded to the letter I sent and have since " verified '' the collection on my report without giving me any proof or method of their investigation nor providing an original creditor. Since Equifax has not disclosed this information and I am unable to contact the original creditor, please DELETE the following accounts from my credit profile immediately. 

I have attached the letter I sent to Equifax as well as proof of it being sent certified mail. XX/XX/2020 via tracking number XXXX XXXX XXXX XXXX XXXX and delivered XX/XX/2020.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am an infrequent user of Paypal but have had an account for many years. This year I find that I am unable to just call with a billing question and reach a person. I am directed to a " Chat '' where no one can answer my questions because it is a phone robot. I twice requested that an agent call me but no one did. When I tried to follow their instructions to file a formal complaint about their customer service, I was again directed not to a complaint form but the remote and useless " Chat ''. I can only conclude that there is no one home at Paypal!!!! I do not like the push to accept all their cookies. 

Can you help or direct me to someone who can? 

Thank you XXXX XXXX
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Based on the recent News headline : " Wells Fargo Loan Modification Errors '' We tried to modify our Wells Fargo loan between this time period reported XX/XX/XXXX to XX/XX/XXXX and were denied over 20 plus times, we went to court mediation and offered them XXXX of my XXXX and they refused. After a year of meeting with them at the courthouse, they told us at the last session, they do not modify. Myself and the court-appointed mediator were dumbfounded, however, we continued to try and eventually had to short sale the home in XX/XX/XXXX. The damage, emotional, physical stress has been immense, we are still trying to recover, we are a family of XXXX, the kids took the impact of this event hard. We would like to know if we have any recourse to help get back some of what was taken if this all was due to an error on their behalf. We believe we were a victim of the computer error that has recently been reported in the news regarding loan modifications at Wells during this time period, this would explain why we were forced to short sell or be foreclosed on.
Consumer complaint received 2020-10-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-04-17
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. (FL)

I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (CA)

I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX. 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that XXXX/EQUIFAX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (IN)

I have called, emailed, sent documents and I have just recently received a card! Since XXXX my account has been active and someone has been using it so every transaction is being disputed over XXXX dollars I also have a power of attorney but they refuse to talk to her about anything she has submitted paperwork to confirm this as well
Consumer complaint received 2017-05-29
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: AES/PHEAA (CA)

I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

XXXX XXXX XXXX contracted with Pacific Credit Services to collect from me several unpaid bills for services rendered in XXXX through XXXX. When contacted by phone and asked to settle the debts owed, payment was not an option due to financial hardship. 

Unknown to me until recently, Pacific Credit Services assessed monthly compounded interest to each of the XXXX accounts. The XXXX accounts are currently listed with the three major credit bureaus and updated monthly to reflect the increased balances caused by the calculated interest charges. 

In XX/XX/XXXX, I contacted the accounting department of XXXX XXXX XXXX. I learned XXXX ' accounting policy is not to assess interest charges to unpaid accounts. 

" Debt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law. If you ask, the debt collector must tell you how much it is charging you and why. '' In early XXXX, I spoke with a Pacific Credit Services supervisor. When I asked why interest is assessed to the XXXX accounts when the original creditor does not, I did not receive a clear answer. Over the following months, I settled two of the XXXX accounts, at which time PCS  waived the interest charge on those accounts. However, the waiving of those interest charges does not grant the right to add interest. 

In a letter dated XX/XX/XXXX, I requested Pacific Credit Services explain why interest charges are routinely added to the XXXX Ambulance accounts? I informed Pacific Credit Services that XXXX XXXX XXXX does not consider interest charges on unpaid accounts. 

As of this writing, I have not received a response from Pacific Credit Services.
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MO)

I owe approximately {$160000.00} in student loans, both public and private. {$100000.00} of which I owe to SallieMae. They place my monthly payments at {$1300.00}. I have recently started a new full time position at a South Carolina state university. I make {$36000.00} annual. However, due to high income tax and mandatory healthcare ( I have the absolute minimum coverage that meets the Affordable Care Act ), I take home {$1000.00} twice a month. That means that just my SallieMae payments are more than half of income and if I made just my SallieMae payments ( not including my federal loans which are on an IBRP of {$69.00} per month ) I would have {$760.00} left to cover all living expenses. I have a 9 year old car, I have the minimum allowed car insurance, minimum cell phone plan, and currently do n't pay rent because I am living on a friend 's couch because I had to go 6 weeks without a paycheck after moving XXXX miles for this new job. SallieMae will only offer a forbearance at a fee of {$150.00} ( I have XXXX loans total ), which I can not pay. I will not in the foreseeable future ever be able to make these payments, but SallieMae does not offer to make an adjustment at all ( though I have read on blogs that if you run out of forbearance and still can not make payments, call the right number and speak to the right person this mythical experience could happen ). Some of my loans have a cosigner. My cosigner also can not make these payments as they care for XXXX-XXXX elderly family members who live in the home. I previously filed a complaint because after I paid for my forebearance " good faith fee, '' I continued to get collections calls for two weeks. The issue was resolved by an escalation team member who finally listened to me when I said that they had not connected my XXXX and XXXX loans, so I was still receiving calls about my XXXX loans, though all of them should have been placed in forebearance. 

I am simply seeking a solution that does not require me to file bankruptcy and destroy my credit. I am hard working ( I am currently seeking freelance work to boost my income just to cover my daily living expenses like food, rent, and gas ), responsible, and profession, but I am being treated like I am a criminal and delinquent. I was duped by SallieMae when our relationship started and it made it appear that repayment would be based on how much money I made after graduating ( at that time, I am unsure if they are still, SallieMae loans were marketing alongside federal loans that are possible to go on an IBRP ). I would love to make my payments and avoid all of this, but the American economy did not provide the incredible job opportunities that we were told we would have going into college. I just need a manageable way to repay my debt, and I wanted to see if there was a way before contacting an attorney.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (NJ)

Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
Consumer complaint received 2020-09-21
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: CBC Companies, Inc. (MN)

The following information listed on my Innovis Consumer Report # XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX. I never had an account with XXXX  or XXXX XXXX XXXX. Both accounts are fraudulent. The Credit Inquiries and Requests Orhers Can See : XXXX XXXX XXXX-CR, XX/XX/2019, is a fraudulent and unauthorized credit inquiry. The Credit Inquiries and Requests Only You Can See : XXXX XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XXXX XXXX  XXXX, XX/XX/2019 and XX/XX/2019, are both fraudulent and unauthorized credit inquiries.
Consumer complaint received 2016-05-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (ND)

i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest