davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
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. (CO)

EQUIFAX SENT ME A LETTER STATING THEY ARE REFUSING TO CORRECT MY CREDIT REPORT. 


They are illegally abusing my credit file by placing fraudulent investigations, dispute codes and consumer dispute statements on my account. I have asked them repeatedly to stop doing this and they continue doing it. This must be stopped because they are making it difficult to obtain a mortgage and they know this but keep doing it. 

Here are the ones that they keep doing this to and I want them to stop. 

1. XXXX XXXX acccount XXXX XXXX partial ) They keep putting dispute codes on this account and statements that say " Consumer disputes- Reinvestigation in process '' 2.  XXXX  XXXX account XXXX XXXX partial ) They keep putting statements that say " Consumer disputes, reinvestigation in process, consumer disputes after resolution 3. XXXX XXXX Account number XXXX XXXX partial ) They keep putting a dispute code on it saying " Consumer disputes, reinvestigation in process '' 4. XXXX account XXXX XXXX partial ) They keep putting consumer disputes, reinvestigation in process along with dispute status codes I just called their FOREIGN call center and they rep was really rude and said he would not remove their false information. What kind of company has the right to do this to an individual? I am sick and tired of these bullies doing this. They are holding my file hostage and are refusing to help me. How much more transparent do I need to be with the CFPB before you guys step in and do your job?
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Hello, I recently decided to sell an item over ebay on PayPal and I also added funds to my PayPal account. Once I sold the item which was only a collectors edition video game my account was permanently limited because they apparently claimed they feel Im tied to another account.

After being told it would be fixed, I was told it wouldnt because Im considered a risk due to apparently sharing some sort of information with other acts that have negative balances which they couldnt go into detail about. They are planning on holding my {$510.00} hostage for 6 months saying I have a potential for possibly being disputed from my transaction. 

I dont u derstabd this practice of singling out people and claiming that they dont think theyre a bad individual but then in the same breath claiming that PayPal feels theyre a risk for simply selling an item that I bought at XXXX and decided to sell on XXXX. PayPal should be ashamed of themselves for doing this. I really would like my money now not 6 months down the road.
Consumer complaint received 2018-12-14
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. (FL)

On XXXX of this year I observed XXXX XXXX XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX XXXX XXXX XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX XXXX XXXX and on XXXX I received a letter ( attached )  requesting that Equifax remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

XXXX, a market exchange for crypto currencies, recently had some sort of system failure or margin call that resulted in frozen trades for many users and the plummet of the Ethereum ( ETH ) market from a value of over 300 USD to roughly XXXX USD in the span of a few minutes, which likely allowed some users to buy in many ETH at a low price. This cryptocurrency then rose back to price as users regained the ability to make trades to over 300 USD. <P/>I held a value of about XXXX USD worth of ETH at the time I lost the ability to make a trade, and ETH was valued at ~ XXXX USD. Then at {$350.00} I wanted to trade my XXXX ETH at {$350.00} but was unable to and was given the error message ( 'Enter a valid value ' ) despite entering a valid value. This error persisted for next 12 hours as the value of ETH dropped to below 320 USD. <P/>After trying my hand at this and giving up on trading with my laptop, out of frustration I attempted to sell my ETH on my phone. This involved the headache of authentication and setting up XXXX with XXXX  XXXX. After accessing the site through my phone, I was able to finally make a trade! The problem here was that the market orders updated too slowly on my phone and the realtime data was offline. I ended up selling at a value my XXXX ETH at a value of XXXX USD when the price was just recovering from this mysterious drop to almost being free. XXXX USD! At the amount of USD I had initially, that 's XXXX ETH! This price shot back up to over 300 USD within minutes. If I were the scammer who dropped the market at a vulnerable time for XXXX, that would put me at XXXX XXXX dollars for XXXX ETH at XXXX USD! <P/>I believe many people are upset about this issue. Many people were unable to trade/cancel posted orders/interact with the site. Please ask me for more information/clarification if that 'll help to resolve this issue.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NC)

I purchased a car from U.S Auto Sales in XXXX, NC a month later the company closed down. Along with my car loan I purchased a XXXX warranty that was good for 3years just in case I had issues with the car I would be able to get it fixed for a XXXX that was no issue. I went to make my payment and was informed that I would directly report to the company WestLake Portfolio Management I agreeded and let them know that I only had the car for a month and would like to use the warranty so that I would have enough to make my car payment the informed me that those warranty 's are no longer valid and the warranty company said they will not be able to assist me due to U.S Auto Sales closing down the car was orginally XXXX WPM hasn't updated my account I can't see where im even paying towards the interest of the vehicle this is a 2013 car listed at XXXX still which I didn't mind paying. In XXXX since I have no warranty I asked for a deferred payment they made me pay XXXX and said that it would go towards me not having to pay for that month due to car trouble and that payment would be applied to the end of my lease. That never happened it says I have a past due balance of XXXX with all of the rest of my payments on time and they now have informed me that there is no guarntee that I had a deferred payment. My credit is suffering and also can't afford to fix the car over and over again. I have asked to speak with someone and tell them to honor what they agreed to and they never do. I want to file a lawsuit againist this company for lacking integrity and fraud
Consumer complaint received 2019-09-04
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: National Asset Direct, Inc. (CT)

Today, XX/XX/XXXX, I received an alert from Experian that someone had made an inquiry on my credit report. I have not given consent to anyone to pull my credit report. Upon further research, I see that the report was pulled my XXXX XXXX XXXX at iSERVE Residential Lending. 

Unfortunately, he is my step son and I feel my privacy was violated. He used his position as a mortgage lender to inappropriately pull my report - probably on behalf of my ex-husband. 

I have left messages for iSERVE Residential Lending in XXXX, CT, but I have received no response. 

Thank you for your attention to this matter.
Consumer complaint received 2019-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

This complaint is actually to a 3rd party that advised that I would greatly benefit from their assistance to file for the Borrower Defense to Repayment ( BDTRO ) to potentially have my loan forgiven due to the University 's fraudulent actions to get students to join. The company I worked with is XXXX XXXX XXXX  ( XXXX ) and they charged me {$1200.00} to take my info and submit the BDTRO application to the Department of Education on my behalf. This process started in XX/XX/2018. The BDTRO application was eventually confirmed received by the Department of Education on XX/XX/18. I had followed up on a few occasions with XXXX but they never had any info on the status of my application. I called the Dept of Education directly at the BDTRO hotline where I was advised that I should contact the Consumer Financial Protection Bureau since anyone can submit a BDTRO application to the Department of Education for free and there is no need for a 3rd party to complete this process.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX JCP ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me On XX/XX/XXXX XXXX XXXX responded and stated they report accurate information pertaining to my account and are unable to modify my account. 

as a result the debt that has not been validated and was updated on my credit repot on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC. (CO)

i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX. 
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie. 
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond
Consumer complaint received 2017-01-12
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (MI)

I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$890.00} XXXX Docket # : XXXX Plaintiff : XXXX Balance : {$1900.00}
Consumer complaint received 2019-08-15
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. (GA)

My complaint is for my XXXX XXXX XXXX XXXX; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Consumer complaint received 2018-01-15
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: WELLS FARGO & COMPANY (FL)

Very briefly, XXXX failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ).

Dispute 2 : Wells Fargo prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to XXXX ( `` XXXX '' )
Consumer complaint received 2019-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC (HI)

Borrowed through XXXX XXXX XXXX XXXX in New York and they promised us a Loan that we did not receive instead we were referred to A Partner Called Loan me who scammed us over the phone for a non disclosed loan of 104 % interest rate that we had no idea about. We were tricked and lied to and scammed into signing on line. It was definitely an internet scam.
Consumer complaint received 2019-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not  current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.
Consumer complaint received 2018-01-15
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. (FL)

XXXX XXXX removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX.  Equifax deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.
Consumer complaint received 2018-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I had a mortgage with Washington Mutual which was taken over by Chase Bank approximately XXXX years ago. In XX/XX/XXXX, Chase Bank contacted me and suggested I refinance the Washington Mutual mortgage. I proceeded to refinance the mortgage with Chase Bank. 

Prior to closing on XX/XX/XXXX, Chase Bank informed me that they had " lost '' the Washington Mutual mortgage and note and that they would require all new mortgage documents at closing. This cost me additional fees. I asked that Chase Bank give me an indemnification and hold harmless agreement for the lost note and mortgage. Chase 's attorney advised via email that Chase 's legal  department was " working on it '' To date, they have refused. NY law requires Chase to provide the indemnification and pay a penalty of {$1000.00} if they fail to deliver the note and mortgage within 90 days of closing. I have not received the indemnification or the {$1000.00}. I have asked repeatedly to no avail. 

Secondly, Chase failed to file a satisfaction of mortgage for the loan. On XX/XX/XXXX, over 90 days after closing and after I complained to the CFPB, they filed a satisfaction of mortgage discharging the prior owner of my property, instead of me. The Washington Mutual mortgage named me as the mortgagor, not the prior owner. They failed to file the correct mortgage satisfaction and I am advised by my title company that the satisfaction of mortgage filed by Chase is defective. I have attached the purported satisfaction of mortgage discharging the prior owner and the Washington Mutual mortgage showing me as the mortgagor. 

Thirdly, Chase is obligated to pay pursuant to NYS Law the sum of {$1500.00} for failing to file the satisfaction of mortgage within 90 days. Chase was successfully sued in a recent class action in NY for its failure to file and record satisfactions of mortgage and was required to pay mortgagors. Chase is well-aware of the law and is willfully disregarding it.
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NC)

I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each account ).
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (VA)

Too many of my profiles being listed in areas I use to live. The past 5 plus years I have been accused of too many crimes and my credit reports have been sabotaged.. also trying to get proper paperwork consuming Power of Attorney papers to Insurance papers of all types.. medical..health..life insurance policies etc.. tired of no one helping me knowing I have sent out reports in 3 States now. ALABAMA.. TENNESSEE. AND HERE IN VIRGINIA.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX