davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (IL)

I refinanced some of my student loans with XXXX. They sent checks to all of the lenders that we are paying off. All of the checks were received and cashed by all of the lenders except ACS education loans. After realizing its been a month and they have not cashed the check I began to investigate this issue. I tried calling there customer service line which is impossible to get through to. It says my account number and social security number are not valid and wo n't let me call. If you do n't have either of these then you can not get through on the phone. So now I can not contact my loan company via the telephone so I try to email them from there automated emailing system on the website. I get a reply 6 days later that is completely inaccurate. They stated that my last payment wasXX/XX/XXXX for  {$150.00} when my last payment was actuallyXX/XX/XXXX for {$300.00}. XXXX sent them a check XX/XX/XXXX to pay off the remaining balance. So I attempt to call them again after I received a reply 6 days later. Still not able to access them via the phone because its claiming my account and social are not correct. So I do some research and find another number to call. This number accepts my social security number and I am able to select options to attempt to talk to someone about my issue. After selecting the correct options I was on hold for an hour. After ONE hour of waiting for someone to answer the representative answers the phone he notifies me that the system is down and they are not able to answer any questions or access my account. When I asked if there was another number to contact them he said there was not. And that there was no email to reach them other than the automated service on the website. I asked him what the policy if they received a check from a lender and he said it would be cashed within 7-10 business days. I just would like to be able to contact someone that I am giving THOUSANDS of dollars to. It is impossible to get ahold of them and I do n't know if they received a check or not. Also, my account is still open and accruing interest so I can not make payments towards it if they are going to cash a check for the full amount. But once the account goes past due then I am going to be responsible for these fees. I also started to look up the company and found hundreds of people in worse situations with this company. It seems like this may be a trend that this company is XXXX people over to get as much money as they can while making it virtually impossible to get ahold of. Who do we have to protect us and help us out when this is happening? Some of these people are spending every dollar they make to make payments to this company and we ca n't even get an answer or response from them. Then they can report us to credit agencies and ruin our credit. This company needs to be investigated and we need advocacy when this is occurring. Who do we turn to when this company bullies us for our money and it is not fair?
Consumer complaint received 2024-10-21
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. (GA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2017-06-12
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: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. The  XXXX  account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX , Experian or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

My credit card was stolen when my house was broken into then my card was used at several different places I did not report it until I seen the transactions 2 weeks later capital one is trying to not to refund me the fraudulent translations as they stated I do n't fit there criteria! Highly upset
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

Id like to make a motion to dismiss the collection on your account for CitiXXXX XXXX because there is no assignment agreement-this is not my debt, and XXXX has failed to provide me validation of this debt. The account number is XXXX. They are claiming the debt is for {$7900.00}. 

Also, this account was purchased by XXXX XXXX. XXXX XXXX  and XXXX XXXX has failed to show me a purchase agreement, or assignment agreement. Also, the law firm that is handling this debt for XXXX XXXX  is not licensed in the state of Arizona. According to AZ revised statute, 32-1055, debt collectors must apply and obtain a license with XXXX XXXX XXXX XXXX  in order to collect a debt in arizona. The law firm-XXXX  XXXX , XXXX is not licensed in Arizona to do business.. LVNV XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah This letter is formal complaint that they have ignored my formal request, and failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 percent accurate credit information and every step must be taken to ensure the information reported is complete, accurate, and correct. 

The information must be deleted from my credit report as soon as possible. The information is inaccurate and misleading and as such, represents a very serious error in your reporting. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel and relief through the courts, and file complaints with the regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within 15 days of the completion of your reinvestigation. 

Sincerely yours, XXXX XXXX XXXX here
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the unethical practices of Venmo, which have severely impacted my financial situation and wellbeing. 

Recently, my mother sent me {$70.00} through Venmo to assist with essential expenses, as I am currently experiencing homelessness and seeking resources through county assistance. Unfortunately, I was unable to access this money. Despite creating a debit card linked to my Venmo account, I encountered multiple issues that prevented me from using it for basic needs, such as purchasing food or gas. 

When I attempted to link my Venmo account to other payment methods, I was met with continuous errors. My attempts to contact customer service through their chat function were frustrating and unhelpful, as the automated responses did not address my concerns. I have numerous screenshots documenting these interactions. 

This is not my first negative experience with Venmo. After being a victim of hacking earlier this year, I deactivated my original account. However, despite my request for complete account deletion, Venmo reactivated my account without my consent, demonstrating a troubling lack of understanding and care regarding potential fraud. 

In creating a new account with a new phone number, I encountered further issues. My account was suspended due to identity verification problems, locking away funds that I depend on for survival. Despite providing the necessary information, I have been told that it will take 5-6 days for a decision to be made, leaving me without access to critical financial resources. 

The way Venmo handles customer service and account management is deeply concerning. Their negligence in addressing issues related to identity verification and fraud prevention is alarming, especially given the critical nature of these services for individuals in vulnerable situations. 

I urge the CFPB to investigate these practices and hold Venmo accountable for their failure to support customers effectively. Thank you for your attention to this matter.
Consumer complaint received 2017-06-10
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: JPMORGAN CHASE & CO. (SC)

I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MO)

I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was an " internal error '' and that all my information had been deleted. You should n't be able to call yourself a credit reporting company and not be capable/willing to provide your consumers to information that is rightfully theirs. I could make a manual request through the mail, but this company should not be allowed to claim to offer free credit bureaus if it is unable to do so.
Consumer complaint received 2017-06-12
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. (GA)

In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have sent to dispute letters to remove old address. The first letter was by fax on  XXXX   XXXX ,   XXXX   where they deleted some but not all of my old address. I sent a second letter on  XXXX   XXXX ,   XXXX   that was certified with electronic receipt, the letter was received on  XXXX   XXXX ,   XXXX   and was resolved my  XXXX   XXXX ,   XXXX  . The address were not removed.
Consumer complaint received 2017-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E*TRADE BANK (CA)

Hello, My Name is XXXX XXXX. I am a XXXX XXXX Veteran and a XXXX Employee and I need your help. <P/>
There is a 2nd Trust Deed that should have been expunged or otherwise eliminated from my Property Lien history a long time ago. It shoes up on my Preliminary Title Report ( Attached ) and is complicating things for me to be able to get a new refinance loan. <P/>It was originally with XXXX XXXX XXXX/XXXX XXXX XXXX and later there was an assignment of the Deed of Trust to E*Trade Bank . I have attached all the documents that I believe you will need. I need to have this permanently deleted from my records and I need either a full reconveyance of the Deed of Trust in question or some other kind of evidence in writing that this matter is behind me so it does n't persist in the future where my property records are concerned. Our refinance lender has done a great job of helping us and referred us to you for help clearing this up. <P/>Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.
Consumer complaint received 2017-06-10
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. (NY)

I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .
Consumer complaint received 2016-06-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (IL)

RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.
Consumer complaint received 2024-10-02
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. (FL)

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 15USC 1681. 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 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 Has Violate my rights . I looked at my Experian Credit Report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2017-06-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (NY)

The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
<P/>
The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
<P/>
These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
<P/>
I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
<P/>
I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
<P/>
Any assistance you can provide would be greatly appreciated.
<P/>
Thank you in advance,   XXXX   XXXX   XXXX   XXXX