davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Student Debt Advisory Corp. (MD)

I called XXXX student loans which I was with originally. Since I had my student loan with XXXX since XX/XX/XXXX. I had three deferments showing hardship from being out of work and collecting government assistance. So XX/XX/XXXX I called XXXX because I received letter that I was due to start making payments. I called to let XXXX know that I would have to do another deferment because I 'm not working. I spoke to a women named XXXX. which just so happened to be a debt advisor she told me I should try the student loan forgiveness program where I make one-time payment of {$240.00} or so, and I would n't have to start making payments until I reach {$XXXX} a year. When I called I explained to her that I 'm calling XXXX XXXX to do deferment. My loan with XXXX is less than {$8000.00}, my loan was in good standing I only had one loan out, not like I had 4 loans out it was n't that serious for me to be switched to XXXX which my loan was increased by the way come to find out. I received a voicemail XX/XX/XXXX @ XXXX from a women named XXXX XXXX with Student debt advisor ( voicemail was unprofessional ) told me another payment was due if I did n't pay my account would be messed up. According to my knowledge it was a one-time payment and I did n't give her permission to automatically debit my bank card. XXXX insisted I look through disclaimer which she walked me through and sign and collect payment to get everything started, she also stated that they would most likely need a XXXX from XX/XX/XXXX showing what I made or if I did n't everything will have to be resubmitted if not returned in timely manner, which I failed to do because I felt like I was scammed. I was confused to who this XXXX person was and what are they, I have no knowledge when it comes to student 's loans which is why I wanted to stay with XXXX when I spoke to XXXX I thought she was affiliated with XXXX. If I did happen to call them by error, why did n't XXXX just say I had the wrong number and being that I am not working so that {$240.00} would n't have worked for you anyway if she knew her job and the peo0ple she would 've have determined that, I also understand people have a job to do and a quota to meet by playing people. I got scammed and I know from what I was told about their disclaimer which I was aware of is that they are their own company, they must be stopped they should 've not intervened. That loan that is open should now be disputed, because now everything is unclear to me. I was n't in debt to begin with nothing was pending or going into collections.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

The following inquiries are fraudulent and are not made by me : 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 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc. (FL)

I have a mortgage with XXXX XXXX XXXX  that is being serviced by Dovenmuehle Mortgage. Every month I pay my loan on line. This month the system will not let me in. When I called they forwarded me to the web team. They stated that there has been some issues and had me try several different addresses with no luck in getting in. They then asked me to try later, which I did and I can still not access my account. So for me to pay I have to do a pay by phone and they are not willing to waive the phone payment fee. 
This is a deceptive practice and they are forcing me to pay a fee that I should not be charged.
Consumer complaint received 2023-08-16
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (MO)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy on this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 I am now requesting you to investigate and provide verification proof with records showing that I had late payments on my XXXX account # XXXX. If this information can not be verified I demand these late payments be updated to paid on time immediately. Thank you for your understanding and prompt attention.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Lenders are unable to pull credit report due to XXXX XXXX. I have sent Identity documents via fax and through the mail on several occasions. Error Code on online Equifax account : XX/XX/XXXX.. Please help
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (GA)

Using Coinbase XXXX, on XX/XX/XXXX, I attempted to swap one crypto for another multiple times. This functionality is a standard function for Coinbase. After several minutes I received a message that said that there was a failure and I should try again later. I did so. Throughout that one day, I attempted to swap 7 times in total, resulting in failures, and was charged a total of {$58.00}. After my last attempt, I contacted Coinbase XXXX customer support ( XX/XX/2024 ) and laid out the transactions and the problems. I can still see these failed transactions in the transactions tab on the app. My ID is XXXX. I received an automatic email from Coinbase Support and was assigned Case # XXXX. Since then, I have sent them two additional emails to ask for some feedback, a reply, an update, an apology, or any such thing. Coinbase has been silent since. It has been 9 days since the initial problem and communication, and my problem doesnt require a whole lot of analysis I dont believe. So I am filing this complaint at the direction of a legal friend of mine in the hopes that Coinbase XXXX  fix the functionality and make my account whole.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
AMERICAN EXPRESS XXXX.
Consumer complaint received 2021-03-10
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. (TX)

On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, Equifax, XXXX  for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting. 
2. **Failure to Furnish Form XXXX : The agency did not provide the Form XXXX required for accurate tax reporting, exposing me to potential tax compliance issues. 
3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures. 
4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805. 
Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

American Express decided to closed my account without asking me to. Why? They said because the payment did not go through with my bank. However, when American Express called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX has verified this person has a lot of money to cover the payment ( on a recorded line ). Now, American Express decided just to closed my account. I called them today on Monday, XX/XX/2023 at XXXX XXXX and talked to the department if they can reconsider to open my account and she ( the rep ) told me I am not eligible for it. I find it strange that American Express did this because they did not wanted to give me XXXX points if you purchase over {$15000.00} within the first three ( 3 ) months ; which I did. That being said, I am asking the Consumer Financial Protection Bureau to reach out the CEO of American Express to get my account reopened. Lastly, I also make payments to take care of the full balance. Thank you.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Company XXXX XXXX XXXX XXXX has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, Flagstar Bank. I have requested IRS documentation from Flagstar Bank XX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within XXXX days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. XXXX XXXX and XXXX has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. FlagStar Bank breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX and Flagstar Bank have violated my rights of privacy pursuant to The Privacy Act of XXXX. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXX Account XXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA XXXX XXXX XXXX.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 %
Consumer complaint received 2023-04-17
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

BY REPORTING THES INACCURACIES YOU ARE IN VIOLATION OF 15 U.S.C 1861b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstances and no other : TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a huge amount of injury
Consumer complaint received 2023-06-17
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: Bull City Financial Solutions, Inc (NC)

According to the FCRA this company BULLCITY FINANCIAL SOLUTIONS needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Consumer complaint received 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Dear CFPB, I am writing this letter to dispute the collections payment that Net Credit say I owe them. Net Credit is saying I owe them {$3500.00}. I originally filed for a personal loan and asked for XXXX for this company XXXX XXXX. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. A total of {$400.00}. Now Net credit is saying owe them {$3500.00}. I am disputing these charges because it contains inaccurate information that Net Credit is responsible for.The {$3500.00} I wish to dispute there was money false added to my credit report without my prior knowledge. If consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.
Consumer complaint received 2024-04-19
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (TX)

XX/XX/24 around XXXX I was attempting to change my phone number for my Best Buy online account so I can make an online payment that was a week past due. I was then rerouted to a very rude and hostile lady of the name of XXXX ( employee number XXXX ) that stated that my phone number was not updated but kept pressing me to make the credit card payment over the phone. I have XXXX problems with my paying my credit card for my payment history is very good and my credit is also excellent. She was eluding to me not wanting to make the payment and being very aggressive and shouting over the phone and would not even let me get a word in. I do not think these are the type of people that CitiBank should have working for them. I am seriously thinking about cancelling my card that I have had for nearly XXXX  years just because of a very rude and hostile employee. I have never experienced anything like that in my life and sad to say it left me in tears. Please reach out to me for a resolution. Thank you.