davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OK)

I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.
Consumer complaint received 2020-05-14
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. (NH)

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with XXXX  and Equifax have not been resolved or responded to after a considerable amount of time.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc (FL)

I have never heard of this flexshopper. I have never ordered from them. My mother did when she was in XXXX  XXXX XXXX. But not me havent been in XXXX  XXXX yrs. So I want this removed from my credit report bc I keep telling them I have never go the product. I have never ordered from them before. I have already put in last year identity theft bc I seen  several of charges from XXXX that wasnt mines and this is the only one who wont come off and I refused to have something under my name and never received anything and especially if Im not in the state
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2020 I tried to purchase a swimming pool ladder. The vendor was XXXX they were using PayPal as method of payment. The advertised price was XXXX. After providing my credit card information I was given no receipt or tracking number. I them checked my credit card and was charged XXXX. I contacted paypal to report fraud. I also contacted XXXX XXXX to report.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

I called the company and told them I did not know what the debt was for. They said it was for XXXX. I called XXXX and they said it was that I never returned a Router or modem and that I owed them money, the money owed was over {$50.00} and I paid them by credit card. ( I did not have their item i'm being charged for and it was taken by one of their technicians after working at my house. I told them again this debt was disputed and they had forgiven the debt already. This whole situation is suspicious because the debt was supposedly incurred over 4 years ago. ) However, I found out the debt was put into collection recently and took care of it with the company. 
I told the collection agency and they have not removed this after it has been on my credit since XXXX. There is no notification that this debt was paid on my credit report either. They reported this to all my credit falsely with a false number.
Consumer complaint received 2020-08-29
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: LEXISNEXIS (IN)

I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with Lexus nexus. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On LexisNexis. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

This letter involves the collection of a debt, Chase Bank received timely payments every month from me the account holder the XXXX card ending in XXXX was open since inception but balances for an unexplained reason was only drawn for the minimum payment. It was discovered that the " pay in full option '' was not correctly implemented and interest profits had accrued to over {$1900.00}. 

{$690.00} was refunded but outstanding debt in the amount of {$1200.00} remains unreimbursed. 

Accordingly, demand is hereby made that you remit full payment in the amount of {$1200.00}. 

Please forward certified funds in the sum of {$1200.00} to the undersigned, made payable to XXXX XXXX XXXX or refund this amount to the credit card balance. 

I should mention that I have spent countless hours dealing with miss routed mail and calls to Customer Service including several " disconnected calls. '' During every engagement, I have been extremely polite and respectful but calls from the Executive Offices have mysteriously disconnected on three occasions.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE (MI)

On XX/XX/2021, I called Velo collection attorneys to resolve a {$1400.00} debt I have with XXXX XXXX. The unprofessional woman I spoke to adv me that I now owe over {$1700.00} for all accounts attached to my social security # ... I do not have any other debts and after I had to press her to explain where the extra accounts are coming from she then stated the the extra fees are from their office. I said ok I would like to pay the {$1400.00} and settle this debt TODAY to be done with it. The agent then stated that they would be more than willing to take my payment but that will not settle the debt. She stated I would still have to go through 'settle process '. My question to her was then so why would I pay you all {$1400.00} today if the debt may not be settled? I then asked for a supervisor and she told me I would have to put the request in writing to have a supervisor to call me back. ( what established reputable company is actually requesting written requests for a supervisor call back not to mention hand writing a letter during a pandemic ) At this point I asked what is the settlement process and after she advised me I then advised so now my settlement offer will now be {$500.00}!!! I tried to pay what I owe since I have the money, thanks to the stimulus money, but this company is totally full of it and now I can only pay according to my expenses because I am sure something else will come along for me to use the money for. 
So to sum it all up I want to resolve/settle this debt on the same day because I think we can all agree that it can take up to 10 business days for a this company to get my written request via the mail
Consumer complaint received 2018-03-29
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)

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX Equifax XXXX will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of todayXX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

On XX/XX/XXXX, SSA outsourced to LexisNexis, aka Accuity Asset Verification , & Acurint 3 Inquiry History Reports for the date range XX/XX/XXXX - XX/XX/XXXX. As is standard procedure, SSA had a duly executed authorized for release of private financial information for me, XXXX XXXX, an SSI recipient, but not my mother, XXXX XXXX, who is NOT an SSI recipient. LexisNexis/Accuity/Acurint did solely a name match with XXXX XXXX, XXXX, to a savings account in my mother XXXX XXXX 's name, for which I am not associated, except that I am a Payable upon death beneficiary. For this false match, SSA unilaterally cut off XXXX XXXX XXXX SSI Beneifts on XX/XX/XXXX & would not entertain any proof from XXXX XXXX, XXXX, that I, XXXX XXXX had no access to the account nor that proof from XXXX XXXX, NA that this account is Titled solely to XXXX XXXX. LexisNexis/Accuity/Acurint stated their investigations could take beyond 30 days and XXXX XXXX, XXXX did not always cooperate. Neither LexisNexis/Accuity/Acurint nor SSA would accept any documentation directly from XXXX XXXX, XXXX, yet I was the loser, having lost my very needed XXXX Benefits. In XXXX, Attorney XXXX XXXX of the XXXX has filed an Amicus Brief in this matter in Federal Court, styled XXXX v XXXX XXXX XXXX. In XXXX, Attorney XXXX XXXX wrote a legal scholarly paper on behalf of the XXXX oh how LexisNexis/Accuity/Acurint & SSA 's " false match '' tactics deprive SSI recipients of basic due process. In the XX/XX/XXXX issue of XXXX XXXX, an article written by XXXX XXXX XXXX XXXX called " When LexisNexis Makes a Mistake, You Pay For It ''. It outlined cases where victims of LexisNexis/Accuity/Acurint 's mistakes have fought for years to clear their names. Several are still fighting. 
This is an unacceptable. For SSA to accept hands down, without question an asset report that is fatally flawed is egregious. This is definitely a violation of due process. People on SSI need their benefits. SSA employees act like dictatorial enforcement officers, calling out the beneficiaries as liars, hiding assets they do not have. This must stop. 
My XXXX has been stopped. I have bills I can not pay. I face homelessness because of this egregious practice, and an SSA employee, who treated me, an elderly, XXXX person, so badly, he actually brought on a XXXX. Before that, I had not had a XXXX in 7 years.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.
Consumer complaint received 2019-02-19
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: Stearns Ventures, LLC (UT)

I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/2018 I noticed series of transactions, had taken place starting at XXXX {$200.00} was withdrawn from my account as well as two more additional withdrawals of $ 202.25and a final withdrawal of $ XXXXadding up to a total of {$760.00}. These charges were not authorized. I do not live in XXXX texas and rarely even go on that side of town. Plus it would be impossible for me to be on that side of town in such a short amount of time considering I had just made a purchase at XXXX at a local tobacco store ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tx XXXX ) - the unauthorized atm withdrawals took place at XXXX XXXX XXXX XXXX. XXXX   tx which is XXXX miles away from the location I had just left ( XXXX XXXX XXXX XXXX ) and the first withdrawal took place at XXXX, this would be impossible considering it takes a little over XXXX minutes to get to XXXX from that location. Additionally I would never withdraw all of my funds on any occasion, considering I usually pay my bills electronically, my mothly statements should reflect that as well. 

This issue has cost me my job, my car and pretty soon my cell phone, my life is in utter turmoil at this point. I cant afford medication that i need to sustain life considering I have XXXX XXXX XXXX XXXX   XXXX that requires maintenance medication. Netspend agreed to send a denial email explaining why I was denied but the denial email has no details as to why I was denied. I was also promised a call back from the claims department within XXXX to XXXX hours and I have still not recieved that call, even though I call netspend everyday in regards to this issue. The claims department is literally ignoring me and I'm all out of options.
Consumer complaint received 2018-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

I was setup to get my loans out of Default with Navient and after the final payment on XX/XX/2018.  I was informed my loans would be moving from them come XX/XX/2018. My loans are still with them. I called them on XX/XX/18. I was transferred to 8 different departments and no one could provide me with my loan information and where it is currently at.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (GA)

In XX/XX/XXXX, I started a streamlined refinancing process with Mr. Cooper. I submitted all of the required information, and by XX/XX/XXXX, nothing had been accomplished. Mr. Cooper failed to provide me the necessary updates I requested and it was a nightmare trying to get in touch with anyone. Once someone did call me, they said the process was almost completed and to NOT make my mortgage payment for that month, until she told me to do so, because that would mess with the refinancing process. I waited and the CS representative never called me back. Finally, someone different did call and said the information I was given was wrong, and because I missed a payment, we couldn't move forward with the process. I filed a XXXX complaint and nothing was really accomplished. The Mr. Cooper representative who contacted me was rude and tried to intimidate me. Finally, Mr. Cooper agreed to remove the " late '' record from my credit. I submitted the requested information on XX/XX/XXXX, and I still haven't gotten an answer from them as of today, XX/XX/XXXX. I have sent multiple emails to the person I submitted the information to, and her two supervisors and no one has contacted me to give me an update. I am frustrated because of the lack of communication and professionalism from Mr. Cooper and her representatives. I have tried to be patient due to the covid situation and the fact that they might be short-handed, but I am trying to sell my house and buy a new one and this is keeping me from it, so I might even start losing money on my house.
Consumer complaint received 2021-04-25
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. (KY)

well I think its fake mail ... i have severe mail fraud its obviosly a group of peoplein on everything. im sick of the XXXX people have hotten card loans.. bank accounts u name it.
Consumer complaint received 2022-10-04
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. (NY)

Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (LA)

I contacted fedloans multiple times over the past four years to correct my qualifying payment count. I have spoken with multiple agents who have attached notes to my account but nothing has been corrected. There are a total of 31 payments that are not being counted as they are saying that the payment was made outside of the scheduled date however my payment has always been taken via automatic draft on the XXXX of each month. Also for the payment on XX/XX/2015 my payment was not accepted as qualifying payment although my job with access care began XX/XX/2015.
Consumer complaint received 2021-03-25
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. (FL)

I called Equifax and I was informed to send my id social and bill. I sent them everything. They have inquiries that do not belong to me. I provided them police report and I was told it would take 72 hours for the items to be removed. They are still there after months of me speaking with them.