davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

This is my second complaint to Consumer Finance Bureau for the same issue. The issue fell through cracks the first time and no one closed the issue on Consumer Finance Bureau or Navient side even though Consumer Finance Bureau did contact Navient. 
The last payment I made on Navients Smart Option Loan was on XX/XX/XXXX for {$91.00} and in XXXX, the balance on the loan was {$5600.00}. I stopped making payment on the loan because I did not remember signing any agreement for it. The loan did not add up to my total calculations of other loans. I was XXXX  and XXXX  from XXXX to XXXX. It has been 7 years and the loan has passed statute of limitations still I get harassing calls and letters asking for money. The loan has been removed from my credit report but still Navient has put it under delinquency so it still shows up on Navient website and it shows up when I try to sign a lease for an apartment. I have to rely on others because this shows up on the credit report even though Im unable to see it. It has ballooned to {$7200.00}. I do not have any money to pay this loans and with COVID-19, I have lost my second job so Im struggling to make ends meet. Navient is breaking the law by harassing me through multiple collection agencies for recovery of a loan which is not even real and has passed statute of limitations. One of the collection agencies told me to become a XXXX and make payments for this loans. If I pay this loan, the total interest I would pay would be 26 % and they continue to increase this number. Please I beg for this loan to be removed. I have been making diligent payments on my other loans.
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX I paid off a loan for XXXX XXXX XXXX. With USAA federal savings bank However they reported that I still owed over {$7000.00} even though I paid off before {$55000.00}.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MD)

My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (IN)

I paid off my account over a year ago. The company fortiva called me to say I still own them money, after their internal investigation, they decided I do not own them a dime. But yet they keep calling. 

So late month in XXXX, one of their reps said i still own {$1.00} for membership. I told me I was not aware that i was a member since my credit appication was from XXXX XXXX XXXX. To avoid the harrasment of calls, I paid the {$1.00} via my bank account. 

I pull my credit report today and they report me as late, which I was never late, my business with them was complete as off XX/XX/XXXX.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I've recently over come Identity Theft after having filed a complaint with the cfpb, the ftc, the lapd, etc. I finally had negative marks removed after numerous months of turmoil. It states on Experian that because I am a victim of Identity Theft that in the State of California I have the right to resend my application to creditors who requested access within the past year due to the negative marks caused by identity theft which most likely was causing my denial. I was told they can not and will not do it. Seems a little unfair I'm still being punished for something that I didn't do. The only reason I didn't get approval with the SBA for my business was because of this fraudulent collection that I had removed. I would get approved if they could see my new profile. I shouldnt have to take another hit on my credit to run it again due to being an identity theft victim. My life has been turned upside down by my identity being stolen and Experian has kept me on the back burner also allowing inquiries in my name when I have a fraud alert don't know how that works or why I've only authorized my credit to be ran 6 times only that doesn't match my inquiry amount. Thank you for your time and help.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (AR)

I was sent a Letter from a collections agency for a medical bill. I sent them a verification letter and never heard anything back, I assumed it was over and done with. I applied for a car loan and was denied because of low credit, I looked and this collections company put a derogatory mark on my credit for not paying them a debt that I do not owe. I included a picture of the last medical bill I had that was from that year they claim I owe from and it was paid in full years ago.
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I purchased a pair of {$1000.00} dollar sneakers from the XXXX  app on XX/XX/2019, which turned out to be illegal replicas. I talked to my bank and they did not side with me even after I provided evidence that XXXX  confirmed the pair of sneakers were inauthentic. Mind you, XXXX  app has atrocious customer service and no phone number for customer service, only chat rooms that take days and weeks to reply. It is frustrating that I was give the chargeback money initially, but had it taken back for no clear reason. I am in debt because of this and I will not be able to pay back the negative balance because I am in college and do not work, I live off of financial aid. Truly, I have been scammed by an ostensibly reputable company. They supposedly sell authentic shoes 100 % of the time, but many people have complained about fakes, and unfortunately I can not get a refund directly from XXXX  simple because they were used. Does that seem right? A company gets away with giving me illegal counterfeit shoes priced over 1k simply because they are used and not new? I was hoping to resell them once I had bought them, but unfortunately the potential buyer I tried to resell to noted they were fakes right away. I threw them away as soon as I could once I knew they were fake, because I morally am against breaking the law and selling replica shoes.
Consumer complaint received 2020-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (MN)

It started on XX/XX/XXXX! They took out {$370.00} for the first payment and after its every other week! The interst is so high that it is not fair to the comsumer! They are also using a retail name that they are not associtated with!
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These inquiries are unauthorized and affecting me to get credit. I am in the military and this is defamation of my character. I am not searching for credit. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting a collection account on my credit report that is a third party account. By law a credit company can not report a third party account, only the original debtor.. I would like this account removed.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Good day, I have asked Coinbase support several times to change my residency address for my current one but they haven't done it properly ( country not matching the rest of the address ). Their support seems to be incompetent at carrying even the simplest tasks. 

It's an important matter as I believe financial institutions are supposed to have up to date informations on their customers. 

Best Regards.
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX These are unauthorized and are affecting me getting credit. I am in the military. I have filed a police report and I have sent it to the credit bureaus and these are still on my credit report.
Consumer complaint received 2021-10-16
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. (GA)

I have been disputing a collection that popped up on my Experian credit report. However, when I mail in the dispute my investigation is not starting and I am waiting 45 days for them to put the dispute in. Additionally when I login on the website to submit my dispute I am getting a technical difficulties please call XXXX. But when I call this number during the working hours it will only let me speak with a machine that eventually hangs up on me. I have called several days and numerous amounts of times. I also called other Experian customer service numbers and I can never speak with anyone. Is it legal for them to block their calls and not allow us to speak to live representatives? Also is it legal for them to ignore my mail? Please let me know how or when this can be corrected.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-15
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. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.
Consumer complaint received 2020-03-30
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, wihtin my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Consumer complaint received 2024-03-18
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. (NE)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a student loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is I have not authorized the following accounts below to have a copy of my medical records nor have I never even heard of WAKEFIELD & ASSOCIATES account # XXXX I found this on my report today. I have a copy of my XXXX report attached