davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (GA)

I had an mortgage with XXXX XXXX XXXX XXXX. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is XXXX XXXX apparently wanted to start a foreclosure against my husband and myself on XX/XX/2015 and it was suspended due to bankruptcy filing by myself XX/XX/2015. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Consumer complaint received 2023-11-21
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)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OK)

On several occasions I have bought different types of cryptocurrency from pay pal. Some of the time I am able to buy crypto and send it to an external wallet immediately after purchase without problem. But there have been several occasions when I could not send my crypto to any external wallet even when my account is in good standing with no limitations and it is a valid crypto address Im sending to. I receive and error message stating there was a problem and trying to send again may fix this problem. But when this happens it can last for days and even weeks and in that time my money is subject to the volatility of the crypto market if I choose to leave it in crypto or I am forced to pay PayPal a fee to sell. When I inform customer service of this problem Im told it is a security measure put in place to protect my account even though the error message I receive is stating its a problem and even siting what may fix the problem. Several times I have been forced to sell my crypto to be able to pay merchants or send to any external wallet and have never had any issues when I am selling it only when trying to send it. Each time I have to sell PayPal charges a XXXX $ fee. I feel like if I need to buy and send crypto paypal can force me to have to pay their fees by refusing to send it. So Im having to pay fees to buy them. pay fees to sell them and pay fees again to buy on another platform just to be able to send money. When I ask customer service to check into why Im unable to send the crypto Ive bought, Im told I to just sell my crypto and try again. This happened most recently on XX/XX/XXXX I bought XXXX $ of XXXX for XXXX and was forced to sell when when all my attempts to send failed eventually selling for XXXX and agin on XX/XX/XXXX again buying XXXX $ for XXXX and forced to sell for XXXX. These are not isolated incidents. I have had this happen with XXXX XXXX XXXX XXXX, and others. Other first time I encountered this problem I was unsure if was only XXXX  so I tried a couple different times also trying on the website vs the app and all in all that day I racked up over XXXX $ in fees alone from PayPal and finally just gave up amd I was never able to send any of it. I informed customer service again who said they werent liable for any fees I incurred as this was a security measure put into place for my protection. Ive informed them several times and never get any other explanation other than it is a security measure and they are not responsible. I dont understand that if its a security measure, why I would get an error message stating that there was a problem and trying again may fix the problem. I am not the only person that has had to deal with this as I have found many complaints from others about this on PayPals website alone.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Called Credit Acceptance to see the condition of the car so I can either get the car towed to me or picked up i have been given the run around ever since I paid the fee to come get the car i have been having these problems also contact is fraud i never sign the contract threw online the contract i have doesn't have finance charges because credit acceptance have hidden fees
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

In accordance with the fair credit reporting act XXXX  account # 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 an account without my permission.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear XXXX XXXX, XXXX, Equifax I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : 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 I have already contacted the local police, and I have been advised to file a complaint with the CFPD ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ Insert CFPD Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the CFPD complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a XXXX yr old XXXX veteran. I was having financial difficulties in XXXX and Navy FCU withdrew about {$6.00} from my savings to pay part of my credit card debt without my authorization. I closed the account and complained about it. I was in XXXXXXXX XXXX XXXX  and they just brushed it off. I know this sounds petty but it is the principle of the matter as they take advantage of their customers. I was a customer of NFCU since XXXX and my financial problems were caused by numerous job losses and medical bills.
Consumer complaint received 2022-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Hello, I currently have a XXXX  student loan with Navient. On XX/XX/XXXX, I filed to consolidate this loan for the XXXX XXXX XXXX. The US Department of Education service provider is XXXX. I contacted them to find out the status of the consolidation and was told that my loan is a spousal loan. My husband and son has the same names. I took out a XXXX XXXX XXXX for my son and when Navient took over the loan, they classified the loan as a XXXX XXXX  They continue to tell me that my husband took out the loan and I took the school loan out for my son. My husband was a co-signer for the loan. I have spent many hours trying to get them to send the correct loan verification to XXXX  for consolidation. Because they have the loan classified as XXXX, this would my loan not eligible. The representation with Navient informed me that their system has it marked as a XXXXXXXX XXXX  and she was unsure why it was marked as spousal. I have asked them to correct it as they too see that it was a loan for my son. My husband was not in school and had no reason to take out a loan for him. 
Bottle line they said because I am the primary signer and my husband co-signed for the loan that would make it a XXXX  lXXXX 
I just need Navient to correct the type of loan so that I can have it consolidated to be eligible for PSLF. I submitted for consolidation before XX/XX/XXXX. XXXX told me they wasn't clear why Navient has this as a XXXXXXXX XXXX. 
When contacting them, after about one hour in a half of questioning them about this matter, they hang the phone up on me. This especially happens when asking to speak to a supervisor. I have documented all my calls and have names of persons I have spoken with. 
Please help me with this matter. I had other same Parent Plus loans in which I consolidated in XX/XX/XXXX which were forgiven and now Navient is holding me up for this last loan. 
Amount of loan {$34000.00} Thanks in advance for your support.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
It is disheartening to see the continued presence of these fraudulent accounts on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NV)

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
COMENITY BANK/EXPRESS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (GA)

Pro collect debt collector keep calling me from multiple numbers about a debt collection that I see on my credit report from fall and XXXX XXXX XXXX  for the amount out {$1700.00}. I have no knowledge of this collection and I would like for them to prove a contract to me if not I would like for this debt to be removed and for them to stop calling me immediately. Thank you.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This is a follow up complaint to previous complaint  XXXX . Please reference the details in this previous complaint. The reason that I am submitting a new complaint is because today I called  Chase Southwest Visa to check on the status of my complaint. They informed me that they are just NOW beginning to investigate my complaint and that it will likely be several ADDITIONAL weeks before th ey are able to resolve my issues!! I first contacted Chase th e   XX/XX/XXXX r egar ding this problem. I followed this up with filing a complaint with the CFPB on   XX/XX/XXXX . It appears that they have taken absolutely NO STEPS to resolve my problem. I have received several form lett ers from " Th e Executive Office ' ' stating that they are investigating my case and will notify me when and if it is resolved. I do n't believe that they are doing anything on my behalf and are simply stonewalling. They need to be made to do right by this their customer!!
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Someone posted online that they had tickets to a concert I wanted to go to. I messaged them back and forth asking where the tickets were, how much they were for, and how I could verify they were real. They responded, I believed them to be legit. I sent {$410.00} through zelle on my banking app. The money went through, and I was not sent my tickets and asked for more money. The email verification they sent me was not real. I could tell after it was sent that it was a fake email. 
My bank said they can not help me because the payment was authorized. I did not catch it before it was delivered
Consumer complaint received 2021-10-19
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)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, XXXX, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2023-11-21
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX  says that I owned them XXXX dollars they send the bill to collection on my credit account it says I opened it on XX/XX/XXXX of XXXX  Ive never been to hospital quite some time now this is not my bill Ive tried to dispute it with XXXX, on XX/XX/XXXX  my results were not changed even with equifax as well Ive yet not received the result Ive been looking for, i honestly feel like they violated 15 u.s.c 1692d
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Good morning, XXXX XXXX is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report. 
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts. 
XXXX of the accounts is from XXXX XXXX. When I notified them that the account is opened fraudulently, they said that the account is verified. 
XXXX XXXX went and updated their outdated info with my current data to make it seem that the account was verified and I have proof. 
After hours of bombarding a customer service rep, I have the original contract that was signed with XXXX XXXX vs their edited one. 
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ). 
The only reason I got the original contract was because a customer service rep felt bad over my situation. 
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year. 
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified. 
What they're doing is illegal and they should definitely get in trouble for it. 
It isn't fair. 
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX  ( which means I wouldn't have put that address in XXXX of XXXX  ) and a pdf proving my identity. 
I have also included a voice recording of the " verified conversation '' between me and a customer service rep. 
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that XXXX XXXX illegally edited their contract to seem like I was verified. 
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing. 
Thank you!
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARVEST BANK GROUP, INC. (AR)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. 

Arvest Credit Card {$12000.00}