davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On the date of XX/XX/XXXX, I purchase a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leased vehicle XXXX miles with Capital One Auto Finance ( COAF ) as the lienholder. Shortly, after purchasing the car, I continuously had mechanical issues with the car. But, on the date of XX/XX/XXXX, the car had a major engine failure, which I had towed to the local XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, because the car can not be driven, but do start. After a diagnostic test on the engine the minimum estimated repair cost is {$5200.00}, not including labor cost. 

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and I also contacted COAF to make them aware of the situation that I was having with the car. Due to my persistent and sought after legal advice, XXXX was willing to take accountability, and buy the car back, because of the mechanical issues that I was continuously on having with the car. On the date of XX/XX/XXXX, Legal Supervisor of XXXX XXXX informed me that XXXX would be willing to appraise the car as is, and make an offer to buy the car back, if I had the car towed to the nearest XXXX dealership. So, I had the car towed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX to have appraised. After the car was appraised I received a very fair offer of {$17000.00}, which was {$4000.00} less than XXXX XXXX XXXX value of {$21000.00} due to mechanical issue of the car. But COAF was not willing to release the title to XXXX XXXX XXXX for what the car is actually worth, because the think the are entitled to over {$17000.00} in negative equity in the car. I informed COAF of a reasonable solution to the issue, which in turn they declined. 
During the fourteen months that the car was operational, and I was able to drive the car I made my monthly payments on time. The car has not been drivable, and jus been parked in my driveway since XX/XX/XXXX. I did stop making payment on the car for the past three months. So, COAF is fully aware of this major mechanical issue with the car, but still wan me to make monthly payments. 
I recently checked my credit report, and COAF has added this negative item to my credit report in the amount of {$34000.00}, plus two missed payments, which to date has reduced my credit score over a XXXX points. 
For, COAF to add this amount of {$34000.00} to my credit report is an abuse of debt collection, and the use of negative credit reporting as a threat. Because, not one time has COAF reached out to me about repossessing the car or nothing. The reason why COAF has not repossessed the car is because of the minimum estimated repair cost of {$5200.00} or more, not including labor cost, and because of the car resell value, but would like to keep this negative item on my credit report even though they do not want the car.
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/ around XXXX XXXX I received three text messages that stated someone was trying to attempt to XXXX themselves {$800.00}. I received these text what I thought was from Navy Federal Credit Union. I gave up personal information over a what was an hour phone call because their end kept hanging up. The phone number that called me was XXXX and when I looked up that number it said it was NFCUs Fraud/Scam line so it gave me more reason to believe it was legit. I gave my social security, icloud login, name, and much more but I kept receiving texts that there was suspicious activities still going on with my account. I called NFCU two times before I went into the bank because they told me I would have to come in. From there I learned that my account was highly compromised and they took out a {$13000.00} loan in my name and pocket about {$8000.00}. I believe a XXXX XXXX XXXX from XXXX, GA was the one who scammed me because after my XXXX was compromised, his pictures was saved to my phone. I did a little research and I seen that he has been scamming since he got out of high school or even during high school. I have built up the evidence to help me support the idea that it was him. He went to XXXX  for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DigniFi (TX)

An account was opened fraudulently onXX/XX/XXXX with my information. I became aware of this in XX/XX/XXXX and informed Dignifi, I then received a packet to send them materials to dispute fraud. I did this in XX/XX/XXXX, I also hired a fraud protection company that also sent those same documents in XXXX XXXX 
The credit bureaus concluded after their investigation that this account was fraudulent and removed it from their records. 
However, even after nearly 60 days Dignifi continues to refuse to close this fraudulent account in my name. 
Everytime I call they appear to have no knowledge of the case, and there is no way to contact a fraud department, even though they had stated previously they received my documents. ( including in a previous complaint lodged here ).
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you
Consumer complaint received 2023-04-27
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: SANTANDER HOLDINGS USA, INC. (TX)

I was in the process of purchasing a home and when my report was pulled and saw alot of information that was inaccurate. Complete defamation of my character. According to 15 U.S.C 1681 there shouldnt be any damages on my credit report.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: McKenzie Management LLC (CA)

Hello All I have called Apple Cash multiple times in order to un-restrict my apple cash account, and they keep on telling me that " they can't verified my identity " when ask why, or how I can resolve the issue they just said sorry sir and hung up on me.

Apple cash need to get this issue resolve. I am worry that my identity, I need to make sure how and why, they are un able to verify my information and how I can resolve it What apple is doing is criminal
Consumer complaint received 2018-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (CA)

About XX/XX/XXXX, I had my business account with wells fargo. I banked with them for 33 years. I had a problem making payments, and a lady called me from the bank asking for the money. I told her I would have my lawyer talk to her about a payment arrangement, and she said she would not work with my lawyer. I didn't want to deal with her. she was very rude. My business loan was for about {$90000.00}. 
I wasn't able to make their high payments and about XX/XX/XXXX, I had about {$11000.00} in my bank account. it was all the money I had to run my business and survive. One morning, I went to pay for parts and found out Wells Fargo simply stole all of the money right out of my account, and left me to survive in the world with {$1100.00}. That's all the money I had to run a business, pay my rent, food, feed and take care of my elderly mother, sister and XXXX nieces and nephews and more. I was devastated, and because of what they did to me, I had to file bankruptcy to try to survive and live. I made it through the horror Wells Fargo Bank put me through. 
The reason I am writing you is because I see that the CFPB got a huge judgment against Wells Fargo, and I was so happy to see that you did that and make them pay for their business practices of attacking helpless people and taking their money. Wells Fargo will contend that they were legally allowed to do that, maybe that's true, but taking everything from someone on purpose and leaving them to die with no money is a practice that should stop. They should have to go through a legal process like everyone else and not simply take everything from someone and leave them vulnerable and helpless and with no money to take care of their family and survive. It was very vindictive and mean to treat a customer like that who was a customer for 33 years. 
They took {$10000.00} from me and left me with almost nothing. It was very traumatic, and I almost didn't make it because of them. 
I hope you can go after them and make it so they can't do this to another person ever again. That bank makes billions and preys on people with nothing. I bet this is a common practice for them and they did this to hundreds of thousands of people over the years. They should be forced to return the money. Taking all of someone's money can lead to XXXX XXXX, and even worse thoughts. It's like a person is having a difficult time making a living during a recession, then the bank comes in and takes everything you have, without notice. This should never happen to anyone, it devastates their life. 

You should get the money back for the other victims like me that went through this experience, and fine them billions until they learn to treat people fairly. 

thank you
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I have reached out to Wells Fargo multiple times about the account they are reporting on my 3 credit reports. They continuously fail to verify the account and failed to reply to my letter requesting full verification that they are reporting 100 % accurate.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.
Consumer complaint received 2018-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I checked my credit report and a company called Choice Recovery , Inc was on my report. It stated account placed for collection opened XX/XX/XXXX in the amount of {$1000.00}. The credit bureaus showed the name of this company and the address. I disputed this with XXXX and XXXX, and both marked it as a valid debt. On XX/XX/XXXX I sent a certified letter to Choice Recovery, inc. asking for proof of what they are saying I owe them. I used the address that was listed on my credit report by both credit bureaus. I did not receive a response so I sent another certified letter to Choice Recovery , Inc. on XX/XX/XXXX. Today, XX/XX/XXXX I received my 1st certified letter back, which was dated XX/XX/XXXX, stating that it was not deliverable to this address. How can these credit bureaus report this as a valid debt when the address they are reporting is not a deliverable address? I'd like to file a complaint against XXXX, XXXX and Choice Recovery , Inc., as all three agencies have failed to provide any proof of this debt and have violated my consumer rights and have damaged my credit.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account NumberXXXX  Account Number : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

Started by calling COINBASE, a currency trading company located in California, seeking help to download their app, since all the codes sent to me by them failed to download the app. XXXX XXXX, supposedly a company representative answered the call & offered to guide me step by step to download the app & be able to trade when I want to. When I noticed that my account balance dropped markedly, I went through all the transactions to find out Coinbase company had withdrew significant amount of money totaling {$70000.00} within less than a month without my authorization or consent. XXXX XXXX claimed that was illegally done by a former employer that was fired, but then he claimed that it was a computer glitch, but he promised that all my money will be refunded back to my account. Coinbase refunded {$6500.00} & XXXX to my account but no more. A balance of {$53000.00} is remaining to be refunded. When I failed to reach XXXX, XXXX again, I called Coinbase tool free, they indicated that the account is on hold & being investigated by security dept, but they offered no further details. ( Any transaction with Coinbase, needs to be done from their app on my own PC or my phone. Until now this app is not installed on either one. ). In short, I never placed any order, authorized any fund withdrawal or placed any order. 
PLEASE REFER FOR MORE DETAILS IN THE ATTACHMENT
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Dear CPFB : I submitted a complaint to your office about Navient. The ID # is XXXX. Navient replied, but they did NOT answer my direct and explicit question that asked " how many months was I in Forbearance status since loan inception? '' Instead, Navient replied that I was enrolled in their Income Based Repayment status with their records reflecting " that you have made 48 qualifying payments towards Income Based Repayment ( IBR ) loan forgiveness to date. '' I asked them " what time is it? '' They responded with " 82 degrees and sunny. '' So, I called to ask this un-anwered question, and was told that I was in Forbearance status for 30 months since loan inception. 

I formally ask Navient to convert these 30 months of Forbearance status to that of IBR, and to make any retroactive adjustments of accrued interest related to this conversion. 

Why? Because I spoke to Navient about repayment options throughout the years. During these calls, I was pushed, pointed, promoted and steered countless times toward Forbearance rather than Income Based Repayment. Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment- in stark contrast is to the consumer 's ( mine ), since IBR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if those payments are {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me, the borrower. 

In fact, I was told by a supervisory rep of Navient on the phone on XX/XX/2023 that " Navient policy is to advise of IBR prior to offering Forbearance ; Forbearance is the last option, but some reps have not always advised the borrower of this. '' Their policy was conveniently self-serving, and I suffer as a result. My student loan has ballooned to unmanageable levels that effectively drown my future financial wellbeing. At its origin, the principal amount was around {$62000.00}, and I have made payments over the years totaling {$35000.00}. My present amount owed? 

{$100000.00} Again, I ask that Navient convert my 30 months of Forbearance to that of IDR, and to make any retroactive adjustments of accrued interest related to this conversion. This request is based on their purposeful obfuscation of borrower options that is at best unethical and at worst illegal.
Consumer complaint received 2023-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

I filed an application for a modification ( Partial claim ) with Midland Mortgage. The reasons were for increased expenses for the household and for my recently-diagnosed medical condition. On or about XX/XX/2023, Midland approved said application, but the payments for the modified mortgage has INCREASED the payment by {$400.00} per month.

-- - I contacted Midland and asked why, and I was told that my interest rate was being doubled and that the payment was what it was. I asked if anything could be done and the person with whom I spoke said she would check. XXXX specifically asked her if this would affect this plan to ask, and she definitely said NO. *** -- - Nonetheless on XX/XX/2023, I received a default notice in the mail and logged on to see that the approval was changed to a DENIAL! I called and spoke with XXXX, XXXX XXXX, in the mitigation department, and she told me, to my surprise, that I had " refused '' the modification! Which I NEVER did. I was also told that the approved modification was dead and could not be revived. I was also told that I needed to re-apply and the payment could be different ( which I took to be higher ). I also understood that I could be out of luck altogether, because there is some new process where the options would be discussed over the phone ( which eliminates the paper trail, which existed with the prior approved plan ).

-- - The end result is that I am losing my house because Midland acted to remove my options and offered a " plan '' that it knew I could not handle.
Consumer complaint received 2018-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,