davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX  card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I received a letter from XXXX, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to Equifax. I went through the Equifax process denying that this is my debt and Equifax basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with Equifax.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MI)

The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. 

I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. 

I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. 

I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. 

I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

I have Contacted these companies multiple times about placing a security freeze on my file but to no Avail did it work, so now i come to you for results. I have the picture of proof that these files have been frozen but everytime i download my report each month it doesnt say such i need these bureaus to show proof they have placed a security freeze on my credit file
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money
Consumer complaint received 2022-05-02
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. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Partners Financial Services Inc (TX)

This company called my employer to a contact # that is not mine directly. Left a voice mail message with an unknown party in an executive office " Investor relations '' stating on the voice mail that this is regarding collection of a charged off loan lone of credit even checking account balances. This VM was forwarded to me " transcribed '' from this executive officer of our company. Humiliating, and I do not even know what this debt is regarding. But they disclosed collection information on the VM they left, and it was NOT my direct voice mail box.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

On XX/XX/2017, I went to XXXX XXXX to make a purchase because I had gotten some coupons in the mail ( which can only be used IF you use your XXXX XXXX card ). Knowing that I had not used the account for a while I went to the store with the only XXXX XXXX card I had. the sales rep that helped me throughout my purchase ( I am sure she was getting commission for the sale and anything else that happened ) asked me for my XXXX XXXX card, which I gave to her. She ran it through and said the account was not active. I told her that I knew that I had an active account because I was still receiving the coupons and I had made a purchase within 6-12 months but I did n't recall exactly. The rep advised that she could not find any active accounts under my name and asked if I wanted to submit an application for a store card so I can use my coupons ( 25 % off sale ). I said yes. As soon as I completed the application on the pin pad, the sales rep tells me " I found your account! '' printed a day-pass ( that acts as a bar code for my card ) and said that if I had n't received a card for this account to call customer service for it, which I never received the card. What seemed to me was a weird transaction became even worse when I received an adverse action letter from XXXX XXXX credit advising that I was not approved " because I already had a XXXXXXXX XXXX account and I could not have 2 open ''. I called XXXX XXXX credit, advised of the entire situation. The issue is, that if the sales rep would have completed their due diligence PRIOR to the application, I would not have submitted it and I requested XXXX XXXX to remove the credit inquiry. The rep on the phone said no, because I submitted the application, which is n't the issue. It seems, that the rep does not understand the concept of Unfair and Deceptive Acts in order to have a customer submit a new credit application ( when in fact it was not needed! ). I know the sales rep got commission for my purchase, but also makes me wonder if they get credit for submitting credit applications. Again, if the rep would have reviewed my profile thoroughly BEFORE making me submit an application, she would have found my ACTIVE account and the application would not have been needed. I believe this is negligence on the XXXX XXXX rep side and because of it the inquiry should be removed. They are in clear violation of UDAAP by not doing their due diligence in finding my account before they made me submit the application.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (SC)

I worked directly with XXXX XXXX in XXXX about four years ago and paid this debt over the phone. Optimum needs to contact XXXX XXXX  to VERIFY this debt was paid. I no longer even have the paperwork because XXXX acknowledged that the debt no longer existed. I contacted Optimum at least four times regarding this.
Consumer complaint received 2018-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NY)

I consolidated my federal subisidized and unsubsidized student loans in 1995 with Great Lakes. I was told at the time I consolidated and every year after that, that I was in the XXXX  and Public Service Loan forgiveness program. At the end of my 10 years of making automatic payments to Great Lakes, I was told I did not have that type of loan. I could refinance to that loan and begin paying triple what I have been making for another 10 years. I now have to go off my husband 's income. I have been paying on these loans for 13 years and still owe what I borrowed. Please help me. I will provide any documentation if you think you can hellp me.
Consumer complaint received 2018-01-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (NC)

I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.
Consumer complaint received 2018-01-09
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. (NC)

I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX both and I do not remember I have authorized any one of  them doing it,
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (TN)

On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BetterNOI, LLC (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Coinbase will not let me transfer any of the currency I have purchased ( I own BTC, LTC, BCH, and  ETH ) through its platform anywhere -- not to other exchanges, not even to my own private wallet. I have tried to transfer each currency multiple times and each time Coinbase refuses the transfer saying that I need to upload an ID document before it can allow a transfer. Coinbase has already verified my identity sufficiently to allow me to purchase currency -- they even raised my purchase limit twice, first to {$2500.00}, then to {$10000.00}. But they wo n't let me access those funds, effectively freezing the funds I have deposited without explaining why or giving me any way to proceed. 

The problem is that I have uploaded my valid, Texas drivers license many times now ( each time using clear photos that conform to Coinbase 's guidelines ) and each time it is rejected without a reason approximately 12 hours later. Each time rejection comes with the error message : Failed : unknown response status. There is no guidance on the website explaining what this message means or how to remedy whatever problem is causing the rejection. Coinbase 's customer service consists of a chat bot, a recorded message, and an email account that does not respond to messages. I have repeatedly tried to contact the company through these avenues with no success. 

Coinbase encouraged me to deposit more funds with them but I would not have done so if I had known that they would be effectively frozen and inaccessible. If I had known about this issue I would never have used their service. They have rejected with no explanation every effort that I have made to fix this issue. The company offers no way to remedy the problem, as their customer service is illusory at best. This is fraud.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.