davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (PA)

Credit reporting agency is reporting false information on two accounts. 

1 ) XXXX - 2 late payments in XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 late payment XX/XX/XXXX They are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions.

Reporting inaccurate information on child support this case has been closed and I was never late. 

XXXX ) XXXXXXXX XXXX I have had adverse actions against me do to false information I am also still suffering from the data breach of each company listed in this complaint.
Consumer complaint received 2019-05-11
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. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I've sent multiple disputes to Equifax and they refuse to verify these inquiries ( showing proof ) or delete these inquiries ( Below ). 


1. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
2. XXXX XXXX OF XXXX XX/XX/XXXX. 
3. XXXX XX/XX/XXXX. 
4. XXXX XXXX XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
6. XXXX XXXX XX/XX/XXXX. 
7. XXXX XX/XX/XXXX. 
8. XXXX XXXX XX/XX/XXXX. 
9. XXXX XXXX XX/XX/XXXX. 
10. XXXX XXXX XX/XX/XXXX. 
11. XXXX XXXX XXXX XX/XX/XXXX. 
12. XXXX XX/XX/XXXX. 
13. XXXX XX/XX/XXXX. 
14. XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (FL)

I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.
Consumer complaint received 2021-01-31
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NJ)

i no longer have the original lease documents for this car, but lease origination date, term, and number of payments received are all very clearly visible on my credit report as reported to XXXX and XXXX   by VW Credit Inc. 

The lease started in XX/XX/XXXX with a term of 36 months. My credit file shows on time payments each and every month through and including XX/XX/XXXX so 36 months, 36 payments due and 36 payments made. 

For the time period from XX/XX/XXXX through XX/XX/XXXX the loan was reported as Account Status = Closed, Payment Status = Paid/Never Late. For some reason in XX/XX/XXXX VW Credit Started reporting again on a lease that had been closed out for a year and is now showing it as Payment Status = Paid, was a repossession. Repossess a car on a lease which had ended and was paid a year prior? 

I don't get it.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The actions taken by Bank of America as part of a refinance were discriminatory and they failed to take into account the true financial condition of the borrower. Bank of America collected fees of approximately {$2000.00} and have not been responsive to any customer inquires for several months. There is also zero management oversight and a complete disregard for fair lending practices.
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cadillac Accounts Receivable Management (MI)

Made 3 payments to XXXX XXXX : Ck XXXX {$75.00}, Ck XXXX {$40.00}, online payment {$33.00}. The remaining balance reflects a XXXX   balance online. I recently received a {$100.00} bill from a collection agency. I contacted the collection agency who suggested calling XXXX XXXX, so I did. While speaking with an agent regarding the matter the call was disconnected. I called back requesting to escalate the call to a manager and was given a different phone number that belonged to the collection agency.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was denied a loan by Wells Fargo, they said they would reimburse my {$520.00} Appraisal fee I paid, since they did not conduct XXXX, and instead conducted a " Rapid Appraisal. '' They only reimbursed me {$430.00}, saying " {$25.00} ( XXXX XXXX ) {$55.00} ( Property Condition Report ) {$15.00} ( Credit Report ) which = {$95.00} Total collected {$520.00} charged for {$95.00} = {$430.00} what you were owed back. '' I could understand charging me a credit report fee, but a rapid value fee and XXXX XXXX report which was never even conducted and given to me? They never came to look at the house! 

Please advise ... thank you.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at XXXX I deposited {$50.00} in cash ( Sequence # XXXX ) AND again on XX/XX/XXXX at XXXX  I deposited {$11.00} in cash ( Sequence # XXXX ) at Chase Bank . However, I was charged a NSF fee {$35.00}, the following day XX/XX/XXXX According to the Chase Bank Representative, I didn't make my second deposit ( {$11.00} cash ) until after XXXX ( which isn't true ). I requested, to speak with a manager about the unfair assessed fee 's. However, I didn't get anywhere. I then requested, to speak with her manager ( leaving my contact telephone number with the manager ) but was told that the manager would just give me the " exact same '' information. As of today, I have NOT heard from the Chase 2nd manager. I am DISPUTING, the held transaction ( {$11.00} cash deposit ) held until, Tuesday-XX/XX/XXXXas " pending '' by Chase.The monies {$11.00} was deposited in cash and included in my overall " available balance '' at XXXX  onXX/XX/XXXX. However, Chase Bank withheld my cash deposit as " pending '' in order to charge me unwarranted NSF fee 's. I am disputing, Chase 's decision-making @ XXXX  today, XX/XX/XXXX Disclaimer : All information is being submitted for the " sole '' use of this FILED, CFPB complaint. No other use authorized.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank issued a XXXX XXXX for Cancellation of Debt on a debt they listed ( inaccurately ) as charged off in XXXX and which was litigated in court in XXXX - verdict for me noting that my payment constituted payment in full of the debt. They are intentionally harassing me for a debt they know has been paid in full.
Consumer complaint received 2022-09-08
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I qualify for federal student loan forgiveness through the XXXX XXXX XXXX XXXX program. I made my XXXX payment on XX/XX/XXXX and submitted all necessary paperwork to show my employer qualifies. In XXXX XXXX, my account was put into administrative forbearance against my will. Now, the XXXX XXXX payment shows as " Ineligible '', despite making the on time payment and working for the qualifying employer. My payments were updated and include the XX/XX/XXXX payment, but not the XXXX payment, and I am at XXXX payments. I am missing the current round of forgiveness because of Mohela 's errors. I have worked in XXXX XXXX for over XXXX years and have been waiting for this patiently, but Mohela has given inconsistent information and provided NO update when this will resolve, delaying my forgiveness. 

I sent a message to Mohela on XX/XX/XXXX asking why my XXXX payment was not eligible. 

I submitted my Employer Certification Form on XX/XX/XXXX. 

I called Mohela on XXXX ( on hold for over an hour ) and spoke with a representative who informed me I should see the XXXX payment corrected by the end of XXXX. On XXXX XXXX XXXX I received a message from Mohela, responding to my first message on XX/XX/XXXX, that their records showed I spoke with a representative and that the matter should have been resolved. 

At this time, I have no update when my XXXX payment will count, and my rightfully earned forgiveness is delayed because of the company 's error.
Consumer complaint received 2023-01-27
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. (NC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

Obtained student loan in XXXX in the amount of {$28000.00}. The balance is now over {$58000.00}. At one point i was on a payment plan but was removed from the plan after a year and never received information about re-enrolling in the plan. I fell several months behind, my credit was badly affected, and can not afford the new monthly payments. I called and spoke with a representative from navient on XXXX/XXXX/XXXX. We agreed to lowering the payment to {$320.00}, which I was hesitant about because that is still a high payment for my current situation, but ultimately I want to pay this thing down so agreed. The representative stated the payment would be auto drafted on the 3rd of each month, but they needed a payment that day. I told her I could not afford it until XXXX/XXXX/XXXX. She said that was fine, and it was auto drafted on the 30th and again 3 days later on the 3rd. So I paid navient {$640.00} in a 3 day span! Why could n't she off my first payment be made on XXXX/XXXX/XXXX?! After the XXXX/XXXX/XXXX payment was auto drafted, I get a letter in the mail stating I do not qualify for the repayment plan I already started! This is unacceptable and extremely frustrating. I have now paid navient about {$1000.00} on a repayment plan that will not put a dent in my loan and I will not be able to recoop. Had I known this, I would have rather tried forbearance. I want to pay my loans off. I do not want to be in debt forever. But it seems that is what navient wants, it 's cash cow. I propose an interest cap where the balance is 150 % of the original loan. Forgive {$15000.00}. I will pay {$45000.00} at 0 % intrest within 11 years. Please Help! XXXX XXXX
Consumer complaint received 2017-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.
Consumer complaint received 2023-01-27
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. (NC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

I had my Wells Fargo account compromised, I received an email alert notifying me of a change of address. I immediately called their service line to report the activity. The rep advised she was restricting access to my account. I later found that she had only restricted the online access to my account and that they had sent checks to an address in Florida so the representative failed to check for any suspicious activity. On my 2nd phone call, the 2nd representative closed my account and then advised they would send me paperwork to open a new account. The paperwork they sent was PREFILLED with all of my personal information including SSN, DOB, etc. Everything someone would need to steal my identity. I couldn't believe a financial institution could be so incredibly careless with my personal information. I have worked in the financial for 5+ years and none of the companies I have worked for would ever be so reckless with their customers.
Consumer complaint received 2022-09-08
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. (FL)

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. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bureau of Accounts Control (FL)

I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NJ)

Mohela, my federal student loan servicer, has repeated ignored my Income Driven Repayment Plan ( Save ) eligibility of {$0.00} monthly payment, based on my current income and family size set by the Federal government and the Federal Student Aid Office of the U.S. Department of Education. They have admitted that " they are working on my account to correct this error '', but with success and my account is in delinquent status at this time. Also, I am on the Public Service Loan Forgiveness ( PSLF ) Program and I believe that I now am eligible and qualify for loan forgiveness, since I have been employed by eligible PSLF employers ( non for-profit hospitals ) for 13 years and 3 months as a XXXX XXXX XXXXXXXX XXXX XXXX Mohela 's, customer service representatives has continuously made mistakes with reviewing and processing my PSLF Forms by reporting they have been processed already or they are duplicate forms, specifically XXXX XXXX XXXX, which I have worked for as an XXXX XXXXXXXX XXXX XXXX for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX for 4 years ( XX/XX/XXXX to XX/XX/XXXX, XXXX ; various hospitals during the height of Covid-19 for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; and XXXX XXXX for 3 months ( XX/XX/XXXX to Present ). Overall, based on my 13 years and 3 months Public Service work history with eligible PSLF employers, I have gain enough qualifying payments for loan forgiveness, which Mohela is overlooking and delaying at this time. Furthermore, time is of an essence before they cause me financial ruining and a potential negative credit rating with all credit bureaus right now due to their errors.
Consumer complaint received 2017-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

wells fargo in nj opened a business account without my authorization in early 2015 and also lied about fees not being charged on a wells fargo account i have heard nothing about this. please let me know how i gt part of class action suit NO ONE has contacted me