davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Prior CFPB Complaint # : XXXX Equifax Information Services Inc Responded on XX/XX/XXXX that the accounts weren't showing on my credit report yet that is false. This company is in violation of federal law and is civilly liable to me under 15 USC 1640. 
I have attached the credit report as of XX/XX/XXXX and documentation mailed USPS Certified Mail and Faxed to XXXX ( Copy of SSN CARD and of Utility Bill ) on XX/XX/XXXX Please see attached documents.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (KS)

XXXX reported a hard inquiry from CBNA/THD on XX/XX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to Security Dept. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called XXXX and they could not help and directed me to FTC.gov.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I received a notice from transition, Equifax, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, Equifax, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I have tried to reach the company multiple times and I have not heard back from them. I DONT OWE PLUS FOUR INC any money for any medical debt. they are reporting false information and all of my medical is covered through the military. Please stop reporting these false claims because you are causing me a lot of damage. One claim is for {$170.00} and the other is for {$200.00}. Please remove these now and do not place them on my credit report.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (LA)

PayPal is still allowing Identity Thief XXXX XXXX XXXX to use my identity. Her alias is XXXX XXXX. The company allows her to use my identity in order to complete PayPal transactions.
Consumer complaint received 2022-10-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

The debt collector is trying to collect the wrong amount. I have sent many written requests about the debt. I have not received anything. I have started the process to take the debt collector to a small claims court. I have not received any written itemized ledger of the total that the debt collector is claiming. Please remove it from my credit until the debt collector can show proof of the debt amount owned. Please remove this account from all three credit bureaus until the debt is verified with an itemized statement.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent. 
my bank is M & T bank
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Unauthorized inquiries have appeared on my report by these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (IL)

To whom it may concern, In XX/XX/2021, I mailed a check to pay off my Citi XXXX card in the amount of $ 3000+ dollars. 

The check was applied to my Citi Financial card. Then Citi XXXX added another {$3000.00} to my Citi XXXX 's current balance. 

This error caused my Citi XXXX Account to become over the credit limit, and caused XXXX late payments ( XXXX and XX/XX/2021 ). After this error, my credit score went from over XXXX ( I have never been late on anything ) to a XXXX. 

Eventually, after about 7 months and numerous calls the error was corrected and the payment was applied to the right account, but the XXXX late payments that were reflected on my credit report were not fixed. 

Thus causing my credit score to plument, the closing of other credit cards and the lowering of my credit limit. I have called and called. Filed a complaint with the attorney generals office and to my avail nothing has changed. 

I am a XXXX XXXX XXXX United States XXXX XXXX. I am so disappointed with how my credit has been handled and the disregard for Citi XXXX efforts to correct their error on my report.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MI)

On XX/XX/2022 at approximately XXXX XXXX  I received a telephone communication via text message from Harris & Harris ltd trying to collect an alleged debt on the behalf of the city of XXXX XXXX On XX/XX/2022 I sent Harris & Harris a CEASE & DESIST NOTICE via certified mail to their company address letting them know I did receive their communication about a debt they are trying to collect on behalf of City of XXXX and, I requested that Harris & Harris ltd to provide any documents that makes them believe I owe this alleged debt. I also received another telephone contact on XX/XX/2022 via text message from Harris & Harris around XXXX est in regards to the previous alleged debt. The text message states that I should login and pay using my license plate number. Harris & Harris may be violating the ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT as well as my right to privacy pursuant to ( FCRA ) I did inform Harris & Harris in the cease and desist letter that I dont take any responsibility for this debt and, I dispute having any obligation for this debt. I also made it clear that if they stop their collection of this debt and forward it or return it to another company to indicate to them that it is disputed. Also if it was already reported to a credit bureau to inform them the debt is disputed.
Consumer complaint received 2022-10-18
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: JPMORGAN CHASE & CO. (NV)

My chase visa card was charged twice at XXXX restaurant on XX/XX/29. The bill was to be split w a friend but the restaurant charged my card twice instead. I only signed for one bill. The restaurant had not been able to issue a receipt bc I only signed one bill. I have never had this happen in the over XXXX yrs Ive had this credit card and Chase is claiming its valid. I am very disappointed especially as a long lasting reliable customer.
Consumer complaint received 2022-03-11
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DE)

I first contacted MyGreatLakes about requesting a refund on all payments made during the covid-19 forbearance on XX/XX/2022. I worked with the customer service representative to formally request a refund. I was told that refunds would be processed in no more than 30 days. After that timeframe passed, I contacted my loan servicer on XX/XX/XXXX to get a status update. I was informed that the new timeline was XXXX days from the date I called as a follow up when my refund should have been completely processed. It is now XXXX XXXX, 54 days from when I was originally told 30 days. I called today, and they still have no update for me. I'm very frustrated and federal loan servicers need to be held to a standard.
Consumer complaint received 2019-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX   and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

Someone stole my debit card information and charged several XXXX dollars, i notified Chase within a few days once i noticed and opened a dispute.

chase waited approximately 2 month and closed the dispute as denied and debited my account the disputed amount without notifying me prior or providing me any period to dispute the merchants claim.

Based upon information gathered from chase reps the merchant came back with my name and address and an IP address where the charges were made from, which the bank already knew they had my name and address as the authorizations on those charges showed them that. 

They used the response from the merchant to determine that i made the transactions even though i did not, simple providing my name and address is not proof of any authorization. 

Further the merchant provided an IP address ok great, the issue is upon reviewing the IP address service provider it was not and is not a provider that i use at home or work, additionally my ISP would never be visible to any end point as all traffic from my home is routed through a VPN as my employment requires that since i work from home sometimes. 

had chase done a meaningful investigation this would have been revealed instead they decided to breach our contract ( deposit agreement ) which clearly states that as a consumer i have no liability for transactions made fraudulently so long as i notify chase of the fraudulent transactions within a reasonable amount of time. 

they failed to notify me of a merchant response or to request any further documentation from me that could have easily shown that the merchant was in fact not providing any information submitted by me.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/2022, we discovered that our mortgage company, 'Nationstar ' through XXXX had failed to fully pay last years property taxes. As a result XXXX  XXXX County in Colorado have put a lien on our home which has been purchased. We contacted Nationstar and alerted them to the problem on the same day, they acknowledged that there was even a note on the account to pay the second half of the taxes but that had not been done. 

I have been in weekly contact with Nationstar and yet I am no further forward in having this 'mistake ' resolved. Nationstar have said they will take care of it and pay the taxes, lien and associated interest and fines but six weeks later the matter is not resolved. I find it incredible that this could happen in the first instance, I'm astounded that XXXX XXXXXXXX County put a lien on my home without my knowledge of an existing problem. 

While Nationstar acknowledge the problem lies solely with them and they will take care of it, it is little comfort to me six weeks later. There has to be some accountability
Consumer complaint received 2022-10-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I have tried to do modification 5 times with this property the 4th time they declined my modification because the signature was not all on the same line. Every time I went to have it notarized I called Mr. Cooper and asked them how to sign it.. They declined my last signature 2nd 2nd to it not being all on the same line. They told me to re apply I am in the process of doing that and every time I submit information they find something wrong with it.. They tell me that it's OK and then A-day or 2 later things are not OK I am struggling with this company this company and I'm very frustrated as to why they are turning everything of in everything around and making it difficult for me to do this process I feel I need some help in dealing with this company
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

ProCollect informed me that I have a balance of {$5000.00}. Per the last XXXX bill I received, I do not owe that amount. ProCollect has tried to forcefully make me pay the incorrect amount. 

ProCollect employees are VERY rude! They will cut me off while I am speaking. They will call me XXXX times a day.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I was never made aware of this debt until it was in collections. I feel this company and/or the company the debt was allegedly owed to are using unfair practices for collecting a debt. This has harmed me by affecting my credit score and I was unable to avoid the negative impact to my credit as I was never notified of owing any debt and then I had this appear on my credit report. If I owed a debt it would have been paid, but I couldn't have taken care of something I was not aware of. I did have a medical procedure a few years back but I took care of all of the bills related to that, so I do not understand why this account appears on my credit report. I believe I am being charged for someone else 's debt. Please do not contact me by phone, I would like communication in writing only for my records.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022 I received a Certifie mail with a bill from Pay Pal Credit Card I was surprised because I dont have a Credit Card with Pay Pal. So, I Call Pay Pal Credit Card Department at ( XXXX ) XXXX and they confirm that I have no Credit Card with Pay Pal. We spoke about how possible Identity theft ; And they recommended to make the report with Mail Theft, Credit Card XXXX, and Identity Theft. I already made the complaint or report to XXXX. XXXX XXXX XXXX https : XXXX online. This Letter stated that I have open and account on XX/XX/2022, with a new balance of {$4.00}, XXXX. I call but it was very suspicious asking personal information and form of payment. Even though i explain that I have no credit card Account with Pay Pal and also, I explained that the Pay Pal Account ID ( XXXX ) was not related to me but she insisted in a form of payment this the Phone No. XXXX if you need any additional information please call me ( XXXX ) XXXX or email me to XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Recently the Education Department announced a group discharge for XXXX borrowers based on findings that the school misrepresented it's students. I attended XXXX from XXXX - XXXX and I have both federal and private loans. Also, in XX/XX/XXXX, my XXXXXXXX XXXX XXXXXXXX application was approved to discharge my federal loans. My private loan is held by Navient. Navient will not discharge my priviate loans despite evidence the school I attended misrepresented me. Not only have they not agreed to discharge my private loans, they have increased my interest rate. The interest rate is so high, even making on time payments, I would never pay it off. I'm struggling to pay these Navient loans from attending a school that defrauded me. I have also file bankruptcy twice because I can not afford these high interest rate loans. I feel my private loans from Navient should be forgiven.