davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I have made numerous attempts to explain to Navient that I can not afford to make any payments at this time due to my ongoing financial hardship due to being unemployed and unable to secure employment at this time. I am unable to pay my basic living expenses so I am not sure where I am supposed to find the financial means to pay them during such a difficult time. My current federal loans are in a pause due to this financial hardship. I was told by a Navient employee in XXXX that just because I am unemployed doesn't entitle me to not pay my loans or have other options for payment during this time. I was told there was no other option for me at this time but to pay an estimated $ XXXX a month, which I do not have and told her to please put this in the notes that I do not have the ability to pay them at this time. Navient has continued to call my phone and send me emails relentlessly seeking payment. It has cause an increase in my XXXX  and XXXX on a daily basis considering they will not stop calling me and I can not afford to pay them still. They have left me numerous voicemails as well. I recently received a letter from Navient on XX/XX/23 stating that I am now in a XXXX XXXX pending the company taking me to court to sue me. Again, another form of harrassment to threaten for me to pay them with money I do not have only leading to further depressive symptoms. They have also reported it to the credit bureau and ruined my credit score making things increasingly more challenging for me. They are greatly impacting my mental health at this time by not working with me and my current financial situation. I am unsure what else to do since speaking with them doesn't solve the problem and only exacerbates my hardship even more.
Consumer complaint received 2023-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Hometap Equity Partners, LLC (CA)

On XX/XX/2023, I applied with XXXX Tap company for a Loan against the equity in my home. The process was initially smooth and the representative was very helpful and communicative initially. I provided all of the documentation that I was asked for immediately as I knew that I had issues to handle financially. I was given a XXXX to XXXX week timeframe for this process to be handled from start to finish, however that was not the case. 

There were a litany of issues during this process including but not limited to : 1 ) Misleading timeframe for process 2 ) Unreasonable delays due to my home being titled into a Trust 3 ) Misleading expectations set for a positive outcome of the process 4 ) Lack of Communication with their own representative and with me about progress 5 ) Deceptive lending practices 6 ) Dishonesty about communicating with my bank to request a Verification of Mortgage 7 ) Unprofessionalism 8 ) Insensitive communication from the Supervisor 9 ) Discrimination 10 ) Failure to provide detailed explanation of ultimate reason for decline This company does not have a legitimate process for its customers and I believe that this company knew weeks prior that it was not going to approve me for the Home Equity Loan however, I was dangled for four weeks with : 1 ) " we don't have an update yet from underwriting '' 2 ) Underwriting is waiting on requested information from your credit union 3 ) I don't know where we are in the process as there are no updated notes 4 ) We should be hearing something back anyday now 5 ) As soon as we hear back from underwriting we will let you know There was no communication from underwriting to me through this process. No requests for clarity on any confusing documents. I basically took control of my own process by requesting a Verification of Mortgage and a Letter of Explanation from my credit union regarding information that my representative told me " might '' have been an issue.

This company should not be in business as they are not upfront with the expectations the customer can expect nor are they transparent through the process.

I am very upset that they wasted three months of my life. Now I must proceed with finding another lender after 90 days of being tied up with this highly unprofessional company. 

I also feel as if I'm being discriminated against because there is no logical reason for the decline and no attempt to let me know why I was declined. 

Thank you.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MD)

GM Master card was transferred to Goldman Sachs and two {$40.00} fees were added to my account because I was having difficulties paying this account. I requested a courtesy waiver of the fees to allow me to be able to pay this account off. I was told the fees could not be waived but no real explanation why.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (TX)

This complaint is to address the incorrect escrow analysis generated on XX/XX/2023 and I believe it is incorrect because it is performing an escrow analysis on the old pre-loan modification payment of {$4600.00}. There is also a high amount of confusion for the following two reasons : 1 ) Escrow analysis generated on XX/XX/2023 says there is a surplus of {$2800.00} and 2 ) Signed loan modification says there is an escrow shortage of {$2400.00}. 

As of XX/XX/2023, the loan modification has been notarized and signed by me and delivered by XXXX on XX/XX/2023. Therefore, can you please clarify which is the right number via an official letter? I think a new escrow analysis should be done after the loan modification is completed with the loan-modification payment number. If there is a smaller escrow shortage less than {$2000.00}, I would like to make an escrow-only payment to bring this escrow shortage to {$0.00}. Would UWM also consider to making my monthly escrow payment to be divided to 24 months instead of the standard 12 months ( as shown in this attached letter )?
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2023, Coinbase emailed me, informing me that my account was under review. 

On XX/XX/2023, Coinbase requested additional information about my account via email. I complied with the instructions and was informed that the review should be completed within a couple of days. 

By XX/XX/2023, I noticed my account was still under review when checking my account balance. After calling customer service, I received another email asking for more information. Having provided this, I was again told that the issue should be resolved in a couple of days. 

As of today, XX/XX/2023, my account remains under review. Reaching out to customer service once more, I was informed that there was nothing they could do and they could not provide a timeline for the review 's completion.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Consumer complaint received 2023-11-20
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. (IN)

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " PAYMENT HISTORY '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active monthly payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable Consumer Protection Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (TN)

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAVALRY INVESTMENTS, LLC (FL)

To the CFPB I'm submitting this complaint against CALVARY SPV, I, LLC, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts.

I was not aware of a legal action against my person back in 2010. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at CALVARY SPV, I, LLC. I need a full investigation on my behalf. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

This account was never validated. Under federal laws, I need all documents when this account was open. I understand that CALVARY SPV, I, LLC closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from CALVARY SPV, I, LLC to __________?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state. 
XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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. (MD)

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  These companies used my information without my consent, I did not give any of these companies permission to run my credit report.
Consumer complaint received 2015-04-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar was negotiating a HAFA short sale with us. We received a full price offer and were waiting on XXXX tasks to complete as well as their investor approval. Nationstar failed to request the trustee sale postponement and it went to foreclosure without our knowledge last month. We are STILL processing a short sale with them even today! Agents will lose their commission after working for 4 months on this file, sellers lose relocation funds, buyers lose their new home! This should have NEVER gone to foreclosure!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC (OR)

I deleted the first message received from sunrise debt collection the other week and reported it junk on my XXXX but the first message was also before XXXX. 
I now have been contacted two more times prior to XXXX. 

Once on XX/XX/23 via text at XXXX And today XX/XX/23 at XXXX. 

According to everything Ive read online they should not be contacting me before XXXX.
Consumer complaint received 2018-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peoples Commerce Inc (DE)

Pennsylvania Attorney General has investigated 130 complaints concerning XXXX  ( peoples commerce ) and XXXX and the president of the dealerships, XXXX XXXX. 

XXXX has a location in XXXX and XXXX has locations in XXXX and XXXX. 

The lawsuit alleges they sold and leased used cars at inflated prices, used deceptive business practices, and sold vehicles that were not roadworthy. 

" I went to turn the heat on and I smell burning and it was just a loud clunking, crashing noise, '' said XXXX. 

Back in XX/XX/2011, XXXX told reporters that she bought a XXXX XXXX XXXX from XXXX and that in 19 months, her vehicle needed about 10 repairs and they cost her {$500.00} out of pocket. 

That's on top of the {$500.00} she put down and the {$240.00} she was paying per month. 

A XXXX vehicle history report shows XXXX 's car was worth about {$2000.00}. 

However her lease with XXXX was going to cost her {$9600.00} and the car was hers only 3 years. 

They also said that they are helping customers with subprime credit who would not be able to purchase a car at other dealerships. 

The former attorney general believed there are other victims of these alleged scams who have not yet filed complaints. 

Well I AM NOW!!! This very same situation happened to me and I returned the car voluntarily to them, 72 % of the balance was already paid and I paid the remaining 18 upon returning the car. 

They have been reporting it as a repossession which is not true because they Have both the car and my money. I want this off of my record considering this organization has proven to be fraudulent In their business practices. 

If they refuse to comply then we will go to the Pennsylvania Attorney Generals office to initiate a new investigation.
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (PA)

Pursuant to 15 USC 1692a, the word communication is described as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. This is a notice to cease all communications pursuant to 15 USC 1692c on this this alleged debt which clearly includes credit reporting as it is an indirect medium. Except you may ONLY communicate with me under the stipulations that you are responding to a cfpb complaint and/or sending me validating documents through U.S. mail . Validating documents must also include the entire purchase agreement to which I had indorsed on this transferred instrument with you pursuant to UCC 3-204. I had not indorsed this instrument ( a.k.a contract ) so you legally can not collect pursuant to UCC 3-203.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (ND)

Citi has been lowering my credit limits for months and maybe even into a couple of years at this point. They're doing this to keep my utilization high, so they can keep my interest high. I suspect they're committing fraud against XXXX  of their consumers and they need to be investigated. Prime example, they close XXXX of my accounts and I requested they be reopened back in XXXX, they said it couldn't be done. Now they are saying they could have but it has been too long, and the two accounts I recently closed within the last two weeks could have been reopened but my utilization is too high. It is a never ending cycle with them. I have accounts with XXXX XXXX  and XXXX bank and neither has lowered my limits, not cut my cards off and my limits with them are XXXX the limits than with Citi. Imagine Citi forcing consumers interest up by XXXX percentage points, of their XXXX  credit card debt at $ XXXX, that's an extra $ XXXX per day in interest they can charge their consumers. This is disgusting, shameful and they need to be investigated for trying to bankrupt the American people.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.