davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Back in XX/XX/XXXX, a friend of mine offered to pay off my student loan. I contacted XXXX XXXX   and the US Department of Education. I went back and forth for days before a supervisor at XXXX told me to hand write a letter of compromise. I am asking that I only pay back what was borrowed, since none of my payments over the years have even touched the principal balance. 

My income driven payments went from {$45.00} to {$180.00} per month. I can not pay this and have explained it multiple times to XXXX and US Dept of Edu. The last call I received from XXXX, ( XXXX ), was rude and did not listen to me. She was hasty in saying that settlements are never offered. Im only requesting that the interest be waived and then we will pay you in full. 

Now there are missed payments being reported to the credit agencies, so my score is suffering even more because of my student loans. You are treating me like an uneducated criminal, when all I did was go to college. 

Below are my notes from conversations with XXXX representatives. 

XXXX XXXX instructed me to write a handwritten " letter of compromise '' fax it to them at XXXX account number : XXXX XXXX and her supervisor employee ID : XXXX XXXX forbearance XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account should have been in a forbearance after speaking with XXXX on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX -- - Update - XX/XX/XXXX Now my payments have jumped from {$180.00} to {$200.00} per month. My rent went up in XX/XX/XXXX and I can not afford this. They only take income into account when calculating monthly payment.
Consumer complaint received 2018-06-07
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. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, Experian, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (IL)

I have been regularly buying cryptocurrency with my credit card on coinbase.com, and it has been labeled as a credit card transaction and going through as such. Unexpectedly and without any notice, it began showing up as a cash advance, hitting me with huge fees from my bank ( XXXX XXXX ). Coinbase sent out an email days after the change, only because there has been significant backlash. They still are not changing to have these purchases coded as regular purchases ( since cryptocurrency is considered property by the government ). Coinbase denies it is their fault and blames the bank, and XXXX XXXX blames Coinbase and refuses to refund any fees/interest/hit on my credit card score. Millions of everyday customers are getting ripped off by a change made that was unnanounced, and we have no recourse.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The dates for a debt from XXXX are being incorrectly reported. 
Account is listed as XXXX XXXX XXXX # XXXXAmount as of XXXX : $ XXXXPlaced for collection ( according to report ) : XXXX never had an agreement with XXXX or XXXX. This debt is being incorrectly reported with the wrong dates.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2021-10-04
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-01-06
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. (MO)

Account XXXX is reporting inconsistently across bureaus. 
Date opened is inconsistent across bureaus. 
the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX
Consumer complaint received 2018-06-07
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: EQUIFAX, INC. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2021-07-09
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 07/09/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/09/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There were two data breaches which included my name, social security, date of birth and all my details. First one from the US Government OPM and the second from XXXX Credit Bureau. 

In XXXX I changed my last name from XXXX to XXXX. 

In XX/XX/XXXX I tried open a checking account with Capital One 360 and to my surprise someone had opened an account in XX/XX/XXXX with my previous last name XXXX. I checked on my fraud alerts from OPM US Govt. and sure enough someone had fraudulently used my data and opened an account and had also tried to get loans from several banks but fortunately all turned the criminal down because I did not have good credit. Someone had stolen my old identity. 

I immediately contacted Capital One to notify them of a fraudulent account about 4 times and also wrote a letter to them providing them copies of old and new identity and they refused to do anything about it. Their final claim was that they only care about the social security number and not about the last name, therefore whoever opened the account is allowed to stay on ( though they are a fraud and criminal ). 

I am left with no choice but to seek your help and I have also enlisted all the available resources in reporting this scam to avoid further harm to my credit. To date nothing has appeared on my credit reports.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

My wife and I have been working with New American Funding for two months for a refi, and it has been months of requests for more sensitive financial paperwork, delays, mysterious escalations in garbage fees and appraisals, and just general foot dragging.

Today we received a cold call from someone who said NA Funding had retained them to set conference calls with all of our lenders to determine if we were paying our mortgages. The credit reports NA Funding already has in hand prove that we have met every single loan obligation on several mortgages, some going back months.

We also feel NA Funding has coerced us to close an existing HELOC with XXXX XXXX XXXX XXXX, and keeps trying to have us borrow more than the amount necessary to do the refi.

We don't feel that they are acting in good faith, and we are very unhappy with our experience.

XXXX XXXX
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IN)

I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (TX)

i have information that does not belong to me in my report and it is harming me, i want it to be removed from my history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rauch-Milliken International, Inc. (IL)

I have been making payments on an account with Rauch Milliken for a debt that was originally {$300.00}. When I call to make payments representative XXXX ( female ) told me I owe various amounts than I actually owe. This prompted me to ask for her to send me my account balance in writing, via email or mail. She told me we dont do that. I can only send you a receipt on the amount you paid today. When I threatened to research regulations on debt collecting practices, she told me she would send me an email with my account balance. She never sent it. 
This makes me very uncomfortable. It isnt transparent or fair practice.Ive sent two payments and I just want proof of progress on this. Her refusing to do such a simple task is scary.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

I have contacted XXXX XXXX XXXX ( XXXX ) by mail and through CFPB complaints about this alleged debt that is still reporting on my credit report. I have never made accusations about identity theft but this seems to be the route they want to go. I have asked XXXX to provide validation of this debt which they still not to this day provided. The information attached is provided. They are giving the appearance in their response to me they have provided this information when in fact they have not verified. In there in complaint # XXXX they stated they sent an identify theft verification form. No such verification was provided by XXXX. XXXX is still reporting on my credit report which is considered a collection tactic and a violation of the FDCPA and harming my character which is a violation of the FCRA. So I will ask again because I am prepared to take this to the state AG office to provide the following to the CFPB and myself : How has this debt been verified and certified to be accurate under the FDCPA? 
Relationship documents XXXX has with the original creditor. It must contain quitclaim language. ( A STATEMENT IS NOT ENOUGH XXXX MUST BE COMPLIANT )
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (MS)

Just spoke with my mortgage servicer to inquire if the forbearance or mortgage assistance request appeal was being reviewed by the investor and my mortgage company. On XX/XX/2021 XXXX, XXXX XXXX stated that loss mitigation confirming the modification and forbearance request was submitted within the 37 days and the documents sat on some one desk and were not processed. given for the underwriters to review it. He stated that now RESPA has 30 days to respond to the complaint. And to check back in 3 days. He also stated customer service has forwarded the complaint I made yesterday to XXXX the supervisor stating I have been given conflicting responses from different Agents with no resolution. Just spoke with XXXX XXXX, asking if mortgage assistance appeal was being reviewed and if the foreclosure sale date was being canceled. He stated his supervisor told him to tell me sale date would not be canceled even though there was and appeal being reviewed. I asked for the name of his supervisor who was providing the information and he said she said she did not have to give her name or ID number. XXXX is unwilling to help homeowners and they give you the run around.