davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

REVIEW DOCUMENTS ATTACHED : Navient denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

We sent a check with the amount of {$5100.00} made it out to XXXX XXXX and XXXX XXXX via the post office, and the check was stolen. The name on the " pay to the order of '' was changed to XXXX XXXX XXXX and the check was cashed. We contacted Chase fraud department and reported the problems since XX/XX/2021. They told us that the stolen amount would be credit back to our account within 30 days after an investigation. We didn't received the credit after 30 days as indicated so I went out to the Chase branch and discussed with them our problem. The branch contacted the Fraud department was told that the credit would be returned within a week. Until now we still have not received the credit for the stolen amount and it has been more then 6 weeks since we reported the issue to Chase. I have tried to contact the Fraud department multiple times but the wait time is usually more then 30 mins and often time the line got disconnected prior to someone picking it up.
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I saw an inquiry on my credit report from XXXX bank for an account that was opened 1.5 years ago. But I have not opened any account with them. I called chase and they confirmed that they do not have an account in my name. Beyond that they say they can not help. they gave me a number for Experian ( XXXX ) to file a dispute, but that line is fully automated and does not have an option for dispute. I also looked online for a phone number to disputing the credit inquiry, but I see the same number. I am stuck in this circle. 
Why do these companies make it impossible to file a dispute, while claiming to be the source of information for us? This is very unfair. I feel they make it intentionally impossible to dispute so that they can then charge us for other services.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

My last claim number is XXXX. I have not been contacted since XXXX by the support team. No one followed up and asked for anything. I tried to get in contact with Coinbase. No one responded. I lost my money without authorization from Coinbase. The platform is not safe. I am going to share my experience with everybody and the media if the problem is not solved. Please solve the problem and refund as soon as possible!
Consumer complaint received 2021-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (TN)

The savings pods advertise daily interest payments. My account has been open and funded for a month and no interest payments have been applied. Interest advertised at 4 % APY up to 2,000 $ per pod, and up to 3 pods per account. 

After contacting Current, they said : Only a random group of participants have access to the Beta version of our Interest feature at the moment. Unfortunately, were not able to include you in this group, but well make sure to let you know when were planning to roll it out for everyone. 

Weve launched a Beta in which select Current members can earn Interest on their Savings Pod. Theres no minimum balance required, and once you qualify, tap Enable when viewing an existing Savings Pod or creating a new one. 

Advertising : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I sent a rent check to my landlord, to his business name. It was stolen on route and It was deposited by a different party. I can not make out anything from the endorsement. 

I asked my bank who deposited the check. They said that they have to investigate. 

It's been a very long time since. And they are still investigating. I first asked them in XXXX and they said up to six months. I didn't get anything. 

I am enclosing a copy of the front and back of the check. 

PS. My landlord also filed a complaint but was answered that since he was not the signatory, they can not answer him.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

I made a complaint regarding Truist constantly accessing fees to my account previously. My personal account was closed. The fraud department debited my account {$300.00} that caused more more overdrafts. I received no follow up after my first complaint to The Consumer Financial Protection. On XX/XX/XXXX I had a deposit unknowingly go into the personal account that was closed. I called on Tuesday XXXX 2021 to inquire about the deposit. I was informed my a phone representative that the deposit wasnt sent back but taken by the bank to be applied to a debt that I dont even owe. The bank charged me fees do to merchant error. The bank should not have taken my deposit it should have been returned to the merchant.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

XXXX XXXX acct # XXXX. For several years they have tried to collect a debt for a fraudulent account opened in Illinois. I have never been there much less lived there. I have endured collection agencies and submitted their so called fraud packet. Convergent Outsourcing is their debt collector. All say I either have to pay or submit a fraud packet. I have twice. I just got off the phone with a CSR based out of the XXXX. In frustration, I asked for a supervisor. He advised one was not available and simply hung up. Is this reasonable? I am trying to get a mortgage and this 200.00 fraud account is holding me up. Do I just have to pay because XXXX is big and can simply bully their way to getting money? For the record, I have XXXX other XXXX accounts that have always been in good standing.
Consumer complaint received 2021-12-21
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)

As of XX/XX/2021, I mailed in a certified letter requesting results on auto loan in the amount of XXXX from XXXX. LLC.. Account # XXXX that Equifax claimed to have verified. it has been 60 days and I have not yet received a response letter. According to the credit law spelled out ninth Fair Credit Reporting Act, a credit reporting agency is required to respond to the consumer within 30 days. If they do not respond, within this timeframe, they must remove the negative listing disputed.
Consumer complaint received 2019-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

A company called XXXX XXXX called me and said they could forgive my student loans if I signed up with their service. I did and I started paying them and all of a sudden i start getting letters from Navient saying they are my loan servicer. I do not know how my federal student loans got transferred to navient without my knowledge. I did not get any notice or sign any authorization to transfer my student loans.
Consumer complaint received 2021-12-21
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: Credit Technology, Inc. (VA)

Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CREDIT TECHNOLOGY INC ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2024-02-19
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: NAVY FEDERAL CREDIT UNION (IL)

As a federally protected consumer according to the laws of the United States. I am writing to you in response of your XXXX 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. XXXX has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (AL)

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer repo furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MS)

EXETER FINANCE LLC POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/2024 This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Consumer complaint received 2021-12-21
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: EGL US, LLC (TX)

I sent a certified letter to BMG Money that included, a police report, a identity theft affidavit and identification documents to verify my identity. BMG money has reported an account to my credit report that is a result of Identity theft. This report is affecting my credit, which has took me some years to restore due to someone using my identification. I'm still baffled as to how this account was opened. I don't show any inquiries on my report reflecting this company, and if they would have actually done a credit check, they would have seen that my report is frozen due to this. My report also clearly states to contact me at a specific number which is listed on my report prior to issuing any goods or services. Someone from BMG sent me an email stating the the money was deposited into a bank acct which bares my name on it. I then proceeded to send over the police report to show this company that someone also had an acct at two different banks in my name, which I found out about last year and filed a report and the banks have since then closed those accts which were created online. BMG has not responded, they have not produced any forms or applications which bare my signature. I don't even know what employment was used to verify my information with this company. This account is clearly fraudulent and this company which should be ashamed for tarnishing my credit is clearly violating my rights. I did not make or authorize any new accounts. Another clear red flag, is I researched this company and it said it provides loan for federal employees. I work for a XXXX XXXX XXXX I am not a federal employee. So I know without a doubt they didn't verify the correct information.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

My coinbase.com account was hacked and $ XXXX was stolen. 

My account was secured with app-based 2FA and address whitelisting, yet coinbase allowed someone to login to my account, sell crypto assets, add their bank account, and steal my funds. 

Coinbase told me it went to a XXXX XXXX XXXX account ending in XXXX on XX/XX/2021. I had already initiated my account lock/recovery on XX/XX/2021. 

In called XXXX XXXX XXXX XXXX XXXX- they told me that coinbase.com has capabilities to stop the transfer. Yet, coinbase tells me the transfer went through and they can not do anything about it. and have a ticket open with no action. 

This was a breach on coinbase and I need help recovering my funds from them.
Consumer complaint received 2021-12-21
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-21
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (CA)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to Experian and XXXX, as well as, XXXX is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.