davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (LA)

Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX XXXX the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years.

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and mental strain of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AL)

BBVA Compass is refusing to do an investigation for an ongoing dispute lasting several months. I have two unauthorized debits that I have brought to their attention that they are inwilling to investigate. I have been calling their customer service, fraud departments and have sent mail to their headquarters. Now they are claiming that I waited too late so I can not ask for a refund. If they actually investigated when I brought it to their attention ... .it would have easily been within the timeframe. So I filed an ID theft affadavit and a police report so they could not deny seeing it. In case it seems hard to believe, this exact same thing has happened before. I had to file a police report and a cfpb complaint another time because BBVA went SIX YEARS without investigating.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. 
My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.
Consumer complaint received 2018-01-27
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: EQUIFAX, INC. (VA)

After reviewing my credit report, I saw where Equifax was reporting a bankruptcy my chapter XXXX bankruptcy as a chapter XXXX. I reached out to them my phone, began a dispute, fax over supporting documentation from the Bankruptcy Trustee as well as the court, showing that this item has been on for 7 years and is do to come off. 
So I received a letter from Equifax, confirmation # XXXX dated XX/XX/XXXX stating that the disputed bankruptcy was not reporting on my Equifax file. We today as of XX/XX/XXXX, it is still reporting. 

I would like this removed asap.
Consumer complaint received 2018-01-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$3300.00} XXXX XXXX {$810.00} XXXX XXXX {$830.00}
Consumer complaint received 2018-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (GA)

I close my account, because I made a payment earlyer then, the date before it was due, I paid a XXXX dollars on the payment it was only XXXX and I paid a XXXX thinking that enough for 3 payments, so I didn't pay XXXX, customer service call telling me I missed a payment, so I tried to explain to her what I did, she wouldn't accept it, so I sent in two payments to get back on track, payments of XXXX, I wasn't please with the way customer service talk with me, so I made a loan and paid them off, I call and ask them to put my credit back to good standard, they said they couldn't. My credit score was at XXXX, and now down to XXXX, please help. My ID was stolen in2012, and I reported it, I have indents thefs on my record. please help I'm XXXX yrs old, and also .I never lived in XXXX Ga . Thanks.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC (MN)

I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This past XX/XX/XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. In XX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally on XX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that XXXX was still reporting that I had the loan and was behind on payments. I tried contacting Transunion and did a dispute and whe the investigation was complete it stated it was correct from the info they received from XXXX. I have disputed this on 3 occasions now. I have also contacted XXXX on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
Consumer complaint received 2018-01-27
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. (SC)

I have two unauthorized inquiries ( XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) on my credit file, both of these inquiries weren't authorized by me.I do have a account with XXXX which I was a prepaid account holder for years. I kept getting texts messages saying " for being a valuable and long standing customer I qualify to get a post payment account ''. I did go into the XXXX store and paid my prepaid bill, and asked the young lady who took my payment about the post pay deal, she asked did I want to switch my plans, and I distinctively asked the young lady did they have to run my credit because I was trying to keep my score up and inquiries down, she then asked another young lady who replied " it won't mess with your credit it's only a soft pull. I said if it's only a soft pull sure, I didn't sign no paperwork she did everything on the computer while I was at the counter. I'm not on a XXXX contract it's just a post pay plan, so that shouldn't be held against me, and I shouldn't have a useless hard inquiry on my file due to employees lying to get business.
Consumer complaint received 2023-10-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (SC)

I applied for a XXXX  XXXX loan modification of loan for a home located in XXXXXXXX XXXX XXXX in XXXX after I transitioned from the military in XXXX and had a hard time keeping up with my mortgage payments. After applying for the loan modification, I was assigned to work with Home Preservation XXXX XXXX XXXX XXXX and later XXXX XXXX XXXX from XXXX XXXX and submitted all of the documents required for my loan modification request each time. Wells Fargo initially stated that my debt-to-income ratio was too high and that they could not modify the loan. Upon denial I noticed that in their breakdown of their explanation that they were not counting all of my income in the debt-to-income ratio calculations. I later filed an appeal to their decision after I submitted all my income for consideration as I had acquired a higher paying job, rental income for the property, court ordered child support and had VA XXXX XXXX XXXX XXXX XXXX however I was still denied. In desperation to lower my debt-to-income ratio that they stated was the issue in order to acquire a loan modification to keep my home. I filed for XXXX XXXX  bankruptcy in XXXX to clear my debts. I then went back to Wells Fargo and filed for a loan modification where they stated that I could not qualify for a loan modification due to derogatory or negative items on my credit report. I later got another high paying job that made my debt-to-income ratio better and still could not get approved for a loan modification. I provided all of the documents that Wells Fargo required of me, but Wells Fargo always drafted a false excuse as to why my loan couldnt be approved. In an effort to save my home I reluctantly filed for XXXX XXXX Bankruptcy in XXXX to stop Foreclosure proceedings on my property. This resulted in me having a higher repayment payment due to the past due balance being condensed over 5 years vice loan modifications or workout considerations that should have been offered by Wells Fargo. Due to the extra payments required under the XXXX XXXX I had to sell the property to an investor in XXXX. Due to the Wells Fargo refinance discriminatory practices, I lost out on {$230000.00} in equity and value for what the house is worth today. If I was afforded the opportunity to have had my loan request correctly processed. I bought the house for {$110000.00} and the house is now valued at {$350000.00}. Wells Fargo acted under discriminatory and illegal practices when handling my case while going through its XXXX XXXX XXXX for consideration for a repayment plan, loan modification or partial claim. These acts conducted by Wells Fargo caused significant stress, residual financial implications and limitations due to the bankruptcies being on my credit after trying to protect my home from foreclosure due to my applications and income not being rightfully considered during mediation.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I recently checked my credit and noticed my 2 capital one credit cards reporting me 60 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays XXXX they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX, 2017 I was traveling in XXXX for the week. I tried logging on to my account to see how things were looking, and I was locked out. The message I see after I log in is: 

Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business (XXXX) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted.
If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https://support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement.
If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law.
Additional information regarding account logins from prohibited regions is available here.

However, their documentation says that if you try to log in from a sanctioned country, a message will block you from logging in until you return to your home country.
This is just not the case. It's been a MONTH, and I've been unable to log in.

I opened a support XX/XX/XXXX. I got an automated reply, then an actual response a few days later, saying that I'd need to send my proof of US residency in, and that I should stand by for the link to which I'd need to verify my identity to. That's the last I heard about my case. 

I tried opening a new "fraud" case, which got someone's attention, but only resulted in them telling me not to open multiple tickets for the same case.

I've wanted to transact, and I've been unable to. Coinbase has essentially hijacked my account and caused me to lose thousands of dollars.
Consumer complaint received 2018-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received correspondence from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, original account number XXXX, MCM account number XXXX, stating that if I do not pay {$1700.00} by XX/XX/2018, they intend to litigate this case with an attorney. 

I do not feel I owe this debt, for reasons that I will reveal if they litigate and this case goes to court, or if they get an illegal judgment, without going through all the proper procedures. 

I did not contact them, because a collection agency is not interested in helping me, but only wants to find out if I have any assets, so they can, " nail them '', before anyone else does. In my case, even if they litigate and win, I have nothing that they can get from me.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase is fraudulently misreporting account information on my credit reports. 
The account has been CLOSED since XXXX and was reporting as PAYING AS AGREED-ACCOUNT STATUS 01. However, I disputed three late payments because I never paid this account late prior to it being paid off. As a part of my dispute, I requested copies of all documentation related to this account to determine the purported late payments. No documentation was provided which is a violation of the FCRA. 
After I disputed the account, JP Morgan Chase also fraudulently changed the account status from STATUS 01 ( Pays as Agreed ) to STATUS 03 ( 61-90 days late ). This changed occurred in XX/XX/XXXX, five years after that account has  been closed? It should also be noted, I called the number listed on my credit reports for JP Morgan Chase and XXXX XXXX XXXX answered? In addition, JP Morgan Chase 's website states that all student loans were sold to XXXX in XX/XX/XXXX so if these accounts were sold, how is JP Morgan Chase able to make any changes to my credit report. Further, XXXX is not listed on any of my credit reports as the account holder? The following information is listed on my credit reports ; which is also inaccurate, just like their inaccurate account reporting. 

XXXX XXXX Mail Code XXXX XXXX XXXX XXXX XXXX, IN-XXXX ( XXXX ) XXXX Per FCRA guidelines, I am requesting copies of all documentation related to this account to validate these purported late payments. Specifically, the original signed agreement and terms and conditions, explanation of accounting, and assignment Bill of Sale.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NY)

XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified