davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.
Consumer complaint received 2023-03-13
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of identity theft and my personal information was stolen and a credit card account was opened with Bank of America. I did not benefit financially or otherwise from this account and I filed a Police report with my local law enforcement agency along with also filing a report with the FTC outlining the details of this incident. I also mailed in a notarized theft affidavit affirming under penalty of perjury that the information filed is true and correct. Bank of America has still continued to report this account and is illegally attempting to collect a debt from me that i do not owe. 
This is in gross violation of good banking practices and federal law. This has caused me to be denied housing and also employment opportunities, and the bank is willing to use this as leverage to force me to repay a {$10000.00} debt that I do not owe.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

In a follow up to my previous complaints, today I noticed my mohela account finally showed I was placed on the SAVE repayment plan. However, the payment amount, XXXX, is the payment for the LEVEL repayment plan. My most recent IDR application on XX/XX/2023 stated my SAVE repayment amount is about {$180.00} dollars.

I called customer support and the first agent was unable to answer why the discrepancy.

1 ). Why is my account showing the level repayment ammount while I'm in SAVE? 2 ). How is is possible that the SAVE repayment ammojnt is only {$13.00} less than the LEVEL amount? No one can answer the questions. This is umnaceptable.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I contracted with a vendor to do some electrical repairs on my home. They offered a 60 months - no interest loan with a 3rd party " lender '' ( not disclosed to me at the time of application ). 
There were errors in the data on the contract that I immediately requested to be corrected and the 3rd party refused to correct and BEFORE the 3rd day right of recision had expired I was coerced to sign the contract containing the errors or they would NOT begin working. The vendor and I repeatedly requested the corrections to no avail. One of the errors was my mailing address- I knew this would cause a problem when the statements were mailed. There was no email to reach the 3rd party ( XXXX XXXXXXXX XXXX  XXXX ) and after 5 calls beginning on XX/XX/XXXX, I finally sent a letter on XX/XX/XXXX requesting the mailing address correction AND to OPT out of the Mutual Arbitration Agreement clause. 
After the repairs were almost done I issued a bank check to the 3rd party, after confirming their remittance mailing address in XXXX XXXX FL. The check was mailed on XX/XX/XXXX. I called XXXX XXXX every day to check on the correction of the mailing address and ask about the payment. I was told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the check had NOT arrived. I called my bank to confirm the mailing date and the expected date of receipt by vendor. They confirmed the check was mailed on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and finally got a supervisor to check on the payment again-his name was XXXX and he said they DID receive the check on XX/XX/XXXX and they also received my letter requesting the mailing address correction. He supplied me with the check number from XXXX which proved XXXX XXXX DID receive the check and had lied to me 3 times. 
XXXX told me the mailing address had not been corrected and he did it while I was on the phone- repeating the address back to me. 
On XX/XX/XXXX I checked my bank and that check had still not cleared my bank. i called XXXX XXXX again and the supervisor said she did not see the check on my account- obviously lying since XXXX the supervisor i spoke to on XXXX confirmed they received the check on XX/XX/XXXX. 
now they appear to be holding the check instead of depositing as required by law. 
i sent my payment early- before i even received the first statement to " test '' the turnaround time. i don't trust this company- someone is lying to me. i am a XXXX  citizen and live in California.
Consumer complaint received 2023-03-13
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. (TX)

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 a account without my written instructions
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

To whom it may concern, I have attempted to file for forgiveness of the Navient private student loans due to the school misconduct as identified by the U.S. Department of Education for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and all XXXX XXXX ), with federal student loans being forgiven as of XX/XX/year>. I am submitting a new application as provided by Navient with additional support in attachments. 

In the initial denial letter from Navient, they did not provide any details as to why the application was denied, with online posts on social media showing that they have accepted other applicants for the XXXX XXXX for the same reasons I am claiming. I believe that the misrepresentation and fraud confirmed by the U.S Department of Education on the federal loans should apply to the private loans with Navient, regardless if they change who is servicing the loans ( now changing to XXXX starting in the XXXX XXXX, with recent notices of this transition ). 

Thank you in advance for your time. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

IN RESPONSE TO PREVIOUS CFPB COMPLAINT : XXXXXXXX XXXX ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 Please provide with me with the proof of wet signature to confirm my leasing deal with this company. Failure to do so will be in direct violation of several subsections under 15 USC 1692e. Also, any attempt to furnish my information negatively as a result of this complaint and the failure to provide a proof of wet signature for this leasing agreement will be liable under 15 USC 1692j and 15 USC 1692k.

This is a final warning to Acima Credit to remove my leasing agreement on file and update me with the results. 

I will sue if these needs are not met.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

reached out to company to report the fraudulent account. also requested a fraud packet from them in order to get the matter resolved. i have not been able to reach the companies and they are reporting to my credit which is affecting my living situation.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have been attempting to resolve an issue with my Coinbase account since XX/XX/2024. My account, which holds a substantial balance, was restricted without a clear explanation or a timeline for resolution. Despite numerous follow-ups via emails and social media, I have not received any substantive guidance or updates on how to access my funds or transfer them to my bank accounts. 

Key dates and actions include : XX/XX/2024 : Reached out to Coinbase, explained my situation regarding the account restriction. Received a promise of follow-up. 
XX/XX/2024 : Provided my email address as requested for further investigation. 
XX/XX/2024 : Notified by Coinbase that my account no longer meets their service requirements and that they would follow up with information on how to reclaim my funds. 
XX/XX/XXXX & XXXX, 2024 : Sent follow-up emails requesting specific guidance on transferring my funds, without receiving any response. 
XXXX XXXX & XXXX, 2024 : Continued to seek updates due to the lack of response. 
XX/XX/2024 : After multiple unresponded outreach attempts, escalated the issue publicly through social media and directly to senior contacts within Coinbase. 

Throughout this process, I've emphasized the urgency of my situation and the impact on my financial planning. The lack of transparency and responsiveness from Coinbase has compounded the distress and inconvenience caused.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account Number:XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-08-04
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. (GA)

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me.I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/year>, I scheduled a payment to Synchrony Bank for payment of my XXXX XXXX XXXX credit card. The payment was scheduled through my banks bill pay system, like I have done for about a year now. The payment is due on the XXXX  of each month. I discovered a few days after the due date that my payment had not been credited to my account, and I was charged a late fee. I contacted my bank first to make sure there wasnt a problem there. Then I contacted Synchrony concerning the issue. They claimed they had not received the payment even as of then. This was around the middle of the month. They opened an investigation ticket, and I sent them proof from my back that the payment had indeed been made. Eventually they found the payment and it was credited to my account along with a refund of all fees. I made my XXXX and XXXX payment without issue. I scheduled my XXXX payment to be delivered electronically on XX/XX/XXXX. Here again, the payment never got credited to my account. As of today, they still claim they dont know where my payment is. They opened another ticket and I sent the proof of payment in the same format as the last time. This time I actually called them, spoke to XXXX different agents in customer service, and called their dispute department as well after obtaining that number from the XXXX XXXX agent ( who was a supervisor of another supervisor I spoke to as well ). I have no idea of what is going on because apparently they dont know either. This is now beyond an annoyance, and I feel like something is wrong in their payment department. I also got the impression that Im not the only one having this issue. It seems to me that maybe they have found a way to charge late fees by claiming the payments are late.
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Equifax continues to Violate my Federally Protected Rights-I continue to get nothing more than Stall Tactics and Blatant Violations of my Rights. I filed 2 Subsequent Complaints ( XXXX &. XXXX ) that have not been Remedied according to FTC Identity Theft Report and Consumer Law : Equifax had 4 days from Receipt of Complaint with attached documents proving my Case. I have been Patient with Expectation from CFPB to enforce and protect my Consumer Rights..Im confused in what Protections CFPB holds according to Federal Law. This is an Official Notice to File a Federal Lawsuit-I hope CFPB will assist in Enforcing my Rights against Equifax
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have a fraudulent account from XXXX  XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (DC)

I do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

XXXX ( approx date ) Called Sallie Mae to try and resolve repayments. Was sent to a loan specialist to give my information and the best they could say was try and make payments when you can we dont report to the credit bureau until 60 days. I asked about forbearance and they stated my loan was not eligible without giving me any criteria on why. Informed them multiple times that I could not pay, I was going through economic hardship. Unsympathetic to my concerns and passed it off. Made payment arrangements for {$230.00} to try and pay my loan down but at the third month I did not have the funds and they called me on XX/XX/11 to tell me I wasnt in the program anymore. 

XXXX Let the representative XXXX know I couldnt not afford payments at this time and once again asked for a forbearance. I was told I was ineligible without any documentation or evidence. Told her I could afford {$25.00} and she remarked I asked for a {$35000.00} loan and {$25.00} wouldnt cut it. Proceeded to tell me about her daughter which did not pertain to me. Repeatedly told her I couldnt pay and needed a forbearance. Was repeatedly shut down. Told her it would have to go delinquent as they are giving me no choices for repayment or forbearance even when it stated that they have that option. Asked to speak to higher up and repeatedly denied. Hung up. 

XXXX : They have been calling my family and people I no longer affiliate with asking about my whereabouts after I told them that I would not speak with them. They are being of no help at all to help me in my hardship.