davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I emailed Coinbase, as they have no way of contacting them by phone, which I find unfair, and strange. 

I need them to fix this problem for me ASAP. 

I used to have an old account with the company, which I've since deleted. 

I now have a new account that I use. 

However, I need access to the XXXX file of all of transactions that took place on the old account emailed to me. Or, a merge of both accounts so that all transactions become accessible on the new account I use.
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (VA)

I had a lone from TitleMax which is paid off about a month ago and asking them to send me my title in the mail and they agreed its been another month l have not got my title back l tried to call them several days and telling me that it takes three weeks now I have been told for the third time another three weeks so Im helpless to get my title since then they are not answering my phone call or telling me what to do to get my title back. 
Please..l believe I can get help from you to solve this problem
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX  Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX  Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX  Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX   Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX  Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

On XX/XX/21 l XXXX went on line to request a credit limit increase and to determine if they would do a credit limit increase without a hard inquire. I was only updating my info. Also the information I got online stated that in order to finalize the process l would need to finish the process. Finally, the rep admitted that the process could not be completed without verification but they stated they can still giving a customer a hard inquiry. 

Citi bank is in violation of the law by not legally verifying a customer 's identity.
Consumer complaint received 2019-02-01
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. (AZ)

In early XX/XX/XXXXI was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

Equifax is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I, XXXX XXXX received a call from XXXX XXXX XXXX XXXX on XX/XX/20 to inform me that I owe money to a Pay Pal Credit account. I inform this company that I XXXX XXXX DID NOT open any account and I don't know what pay pal is. Nor do have any idea who has done this. The account number is XXXX in need of a payment of {$3700.00}. I never received and pre-paid or pay pal card I don't Know anything about this!
Consumer complaint received 2021-06-01
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. (GA)

Credit bureau was contacted via mail on XX/XX/2021, XX/XX/2021, and by phone on XX/XX/2021. I requested that they provide their method of verification for a bankruptcy listed on my credit report. They have not responded at all to the letter mailed on XX/XX/2021. I resent the same letter on XX/XX/2021 and still have not received a response. On XX/XX/2021 I was able to reach a rep on the phone who told me that they do not have any records of any letters being received by me to them. I asked for a supervisor, who's name is XXXX. XXXX gets on the phone and advised that the address I have is incorrect. 

I asked XXXX to pull up the report # I have and to look at the address provided XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX ) for consumers to send information to. XXXX looked up the report and advised me that he will try to have the information corrected, as the address for disputes on my credit report is not the correct address and that I should send them to : XXXX XXXX XXXX XXXX, GAXXXX XXXX. 

Now I have to resend the request for information letter again, and wait another 45-60 days. How can they have the wrong information when we are trusting them to have the correct information.
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (CA)

Demand for past due payment started about 7 years ago. 
We always pay our bills and we had in excess of $ XXXX per year for several years. 
They refused to supply itemized accounting of who was owed. 
They continued to send demand letters, would not provide info on phone, and now call me about once a week. 

In XX/XX/2021, I sent them a Cease and Desist " Certified '' letter per the Fed Debt Collection laws and they continue to call me and my daughter who is not responsible for my affairs. 

Harris & Harris Ltd. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NC)

I am XXXX XXXX, my phone number is XXXX. Last XX/XX/2021, I booked a ticket at XXXX. When I placed my booking, I paid it with Affirm. After paying it, there was a prompt in that said, this rate change from this amount to this amount. The new amount was HIGHER. I did not confirm the booking. I tried it several times but still there was always a prompt after paying it that said, this fare had changed rate. Which is always higher from what I selected. Affirm can see it in there system that there was an incident that I have several loan request that day. Unfortunately, even I am not confirming the new rate, the booking went through as per XXXX. But at this moment, I am disputing this loan to XXXX. I told them that they should never have a booking be paid first then after that they will change the rate. The dispute with XXXX  is ongoing. What I am requesting with Affirm is a little consideration. Considering this loan is still on dispute, I am asking them to PAUSE the payment. I am a family woman, I am the only one working for my family. My husband takes care of my daughter XXXX y/o daughter in XXXX. Then right now, I will be going back to XXXX this XXXX to get my daughter. I paid almost {$3000.00} right away from our tickets. Then I need to be quarantined in hotel where I will be paying too. My son just graduated too from XXXX XXXX that I spent some too going to Oklahoma. I am financially stuggling right now then Affirm is insisting me to pay something that I never confirm due to being unfair of process of XXXX. All I ask is for them to pause the payment. They said, they stand with merchant side. Even the merchant is unfair? I hope in case a loan that posted in Affirm and a customer dis not availed it and only went through due to lapses in merchant system, I hope in this case there can be a consideration to pause a payment. It is totally unfair to customer who dis not even avail the service the are oblige to pay. All I am asking to Affirm is a consideration. Please help me in this concern because their policy is not fair being one sided and the customer suffer a lot. Please consider the cry of customer. They are asking me to pay a loan I did not use. And they are on the side of Merchant that deceive a customer by giveng a lower fare rate then at the end of payment they will increase the rate. Thank you!
Consumer complaint received 2021-06-01
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)

There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : SXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-06-01
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. (GA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-01
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. (NY)

I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove
Consumer complaint received 2021-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (GA)

Westlake Financial took a closed account # XXXX, that was also charged off, then re-opened it on XX/XX/XXXX. They re-aged the account that was delinquent XX/XX/XXXX, then falsely re-opened it, showing the account was never delinquent. The 7 year statute clock that was supposed to end XX/XX/XXXX, has now been re-started as indicated by my credit report from XXXX.
Consumer complaint received 2021-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: RFNA, LP (MS)

I got loan was paying on loan and lost hours due to a fire at a customer. I talked with the loan company and they started a garnishment and paid thru payroll. Loan is paid in full and I found out she didnt send to circuit court that is was paid until after a year later. I had to call the regional Vice President to get him to call and have them fax documents to courts. I asked for a good will delete and I cant get anywhere with that.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Good evening the reason Im reaching out is because Ive had a account with Chase bank. In my account has been closed or frozen which ever it is but I have no access to it at all. I was approved for the Paycheck protection loan which was deposited into my Chase account however they decided to close the account.Im an independent contractor and no EIN number has been assigned to me I use my Social Security number. I still havent received any information as they tell me the account is closed. The problem that Im having is there is money in that account which I am responsible for paying back. So Im reaching out to see what steps do I need to take in order to be able to get to the money that was in the account at the time.
Consumer complaint received 2021-06-01
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 (CA)

PayPal closed my account for no reason. I worked hard for my money. I deposited my stimulus check and also my payroll check into the PayPal account. They immediately put a freeze on it until I could answer them where the money came from. They said there was suspicious activity. I am soooooooooo ANGRY!!!!! I worked hard for that money. Holding my money for 180 days is NOT an option. I am a single lady working hard and I need that money back. If they don't want my business that is completely fine cause at this point I don't trust them. I just need my money back. They are holding a total of XXXX. I talked to account representatives multiple times " Oh XXXX we are sorry for this I will help you '' " here is a voucher for XXXX for the inconvenience ''. NOT interested in a voucher! I also talked to a manager and he said there was nothing he could do. It is their policy to keep accounts " safe ''. I said it was me who deposited the money and it is me in the flesh who set up my account. If I had a question about a transaction I would be the first to call. I got NO help from him. He said it would go to the review board and I would have an answer within 24-72 hours. Answer was I " You can no longer use PayPal ''. I don't understand the 180 days hold on my money!!! Please help me! I am so ANGRY at them. My email is XXXX.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (OK)

I had an account for years for my granddaughter, the last year a month after the new year began I added her father and XXXX  sisters. when her contract ended after 18 months I paid the final bill returned the phone and moved her to a new company with her same phone number. Her father and sisters contract ended the next month they returned all of their phones except one it was lost and paid their final billed and moved to another company. 
I had XXXX XXXX on all of the phones, which should have covered the lost phone. If not, that would be the only amount owed. Two years later that put on my credit reports that I owe over {$1700.00}. I have asked them twice to send documentation of how I owe {$1700.00}. I haven't received anything in nearly a months time. My granddaughter was with them for 36 months and I never missed a payment, my credit is important to me, why would I do that? And that is the only negative thing on my credit and XXXX has my pay history and the phones. Maybe you can get them to show you my account records, it will prove that I am telling the truth. Thank you for your help.