davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized FIRST XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Initiated a wire transfer from Coinbase to my bank account in early XX/XX/2017 for the amount of {$10000.00} USD. 

Despite having opened two separate support tickets with Coinbase, and sending multiple followups to each, we have not received more than one ( auto-generated ) response from Coinbase, merely telling us to wait a few days longer. 

It has now been almost two months ( 60 days ), and still no further reply from Coinbase, and the transaction has not yet been sent to our account. This delay and non-responsiveness is unacceptable.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The problem I have with the credit bureau stating I dont have a security freeze, but when I apply for any account it get declined. The creditors stating I have a security freeze which I dont per the credit bureau.
Consumer complaint received 2019-11-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

The original debt was with XXXX they quoted me one price and continued to debit another amount from my checking account. This was a bait and switch. I voiced my concerns with the agent and nothing changed. 
AWA collection also changed the year to reflect a more current date in order for this debt to remain on my credit report for a longer period of time which goes against the Fair Credit Reporting Act. This is fraud.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

I filed for bankruptcy in 2011 in which my 2nd mortgage stop contacting me regarding payment. I tried to reach out to them but the loan was sold. Now 15 years later, my 2nd mortgage contacts me stating I owe them XXXX XXXX dollars and if I don't become current, they will proceed with foreclosure. THIS SCARED ME, so I hired XXXX XXXX to represent me and negotiate a settlement. XXXX XXXX said filing a lawsuit was now best way to bring Statebridge to the " table ''. But XXXX XXXX did not act in good faith and fair dealing. Therefore, I tried to talk to Statebridge LLC and offer XXXX XXXX dollars as a good faith starting point to negotiate and give me more time to refinance the debt. Statebrigde LLC said I need XXXX XXXX dollars to stop foreclosure. But like most Americans, I DON'T have XXXX XXXX dollars in cash. But like a-lot of homeowners, I have over XXXX XXXX in equity in my house which I can refinance this debt with the investor Statebrigde LLC is serving for.
Consumer complaint received 2020-06-02
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. (CO)

XXXX XXXX account open in XXXX reporting as open in XXXX was included in a bankruptcy fouled in XX/XX/XXXX and is reporting as delinquent with a past due balance of {$450.00} and I would like the account to be removes
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX reported an account was closed, but it was closed due to paying the automobile off and purchasing a new vehicle with a new financing company. This should not effect me negatively and according to XXXX XXXX, experian, and XXXX reporting agencies my credit score has dropped. Please rectify this due to the information I have provided. Thank you. XXXX XXXX
Consumer complaint received 2023-01-19
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. (GA)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2021-10-26
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. (IN)

I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I wrote to Navient back in XXXX of 2017 asking for information regarding my account. This included the promissory note, information on how to lower my payments, how to apply for lower interest rates, as well as an offer to settle the loan completely. I offered to settle the loan at the original loan amount of {$12000.00} or for them to make an offer to me. I asked for a response within 15 days. I was ignored. In the meantime, my co-signer was also in contact with them via telephone. He offered to settle the loan for the same {$12000.00} and the offer was denied. The counteroffer was actually more than is actually owed on the account. He also told my co-signer that there wasn't much they could do with lowering the monthly payments, and my co-signer explained that I can not afford the monthly payment amount of {$290.00}. 

The other issue that I am having with Navient is that they are harassing myself and the people around me. They call my home phone number around 35 times a week, multiple times a day ( somewhere around 6 different times depending on the day ). They have called cell phone numbers of my relatives and are now starting to call my workplace. It is completely inappropriate and I would like the harassment to stop. It is not just effecting me but others around me, who have nothing to do with this loan. 

Navient has been harassing me to make payments which I financially can not. My income is less than the bills I owe. They keep contacting me but yet ignore me when I contact them, or when myself or my co-signer offer a solution to the issues. We have offered to pay off the loan and were met with rudeness and an unrealistic counter offer. 

I have sent out letters today ( both old and new ones ) to 3 different addresses. I sent letters to general correspondence, processing and the office of the customer advocate. I also sent these with signature/tracking so that I know whether they are received or not. I did this because Navient so far has ignored any letters I have sent. 

If I could afford it I would be making payments on this loan. The financial situation that I am in right now does not permit me to afford the current payments and if Navient can't work with me, my only option is default.
Consumer complaint received 2021-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNCOAST CREDIT UNION (FL)

Suncoast Credit Union mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to XXXX XXXX XXXX XXXX ( XXXX ) for the amount. 

I received a letter from Suncoast on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the Suncoast Credit Union paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that my account was referred to them by Suncoast Credit Union for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX XXXX this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and Suncoast is not taking responsibility for their error.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OH)

I'd like an explanation as to why the Consumer Financial Protection Bureau hasn't lifted a finger to do anything about the Equifax Data Breach. I'm one of the Americans who's personal information was stolen, and now I have to spend the rest of my life paying for services and keeping on the lookout for people who use my social security information to open fraudulent accounts in my name. 

Either you figure out a way to have people securely change their identity confirmation documents, or you hold Equifax accountable. 

The fact that XXXX XXXX on XXXX has done more to hold Equifax accountable than a government agency is an absolute disgrace. This morning I read in a news article that XXXX XXXX shelved plans to test the on the ground security from this happening again. 

This isn't a matter of making sure there aren't to many regulations on businesses. This is a matter of a government agency holding a private company accountable for collecting and not safeguarding my private data, which they didn't even have permission from me to have in the first place. 

Do anything. Seriously. Do anything because as far as I can see you have done nothing.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (LA)

Received a letter in the mail a few weeks ago from XXXX stating that my information may have been used without my consent, XXXX I guess started an investigation, but asked me if I wanted copies from all three credit bureaus, I agreed and so far received my credit report from XXXX and XXXX, my credit report from XXXX  has a negative account called XXXX XXXX XXXX ( Financial ) Pay Status : In Collection and AD ASTRA RECOVERY SERVICE # XXXX, placed for collection on XX/XX/2018 and it's listed as an individual account, I have never in my life used a payday loan company for any reason, so I know this has to be a fraud for which I missed when I order my credit report each year, I have never received anything in the mail nor have I received any phone calls about this account, if I had I would have disputed this account a long time ago, if possible I need a copy of the agreement so I can compare signatures and prove I did not open this account ever. no I do not have a clue who would do this to me, but evidently someone did open an account using my information and signed my name, yes when thinking back my son XXXX XXXX XXXX is very capable of doing something like this, if he did I still don't know how he could do it without a picture id? please investigate this as a fraud because I didn't open this account.
Consumer complaint received 2020-12-03
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 AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2018-03-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fay Servicing, LLC (CA)

This all began when I received written notice from unrelated creditors that the terms of credit were being modified due to payment status with other " creditors '' Turns out Fay Servicing, a mortgage servicer, decided to conduct an audit of my account and falsely claimed that I missed a payment in XX/XX/XXXX, some 9 months prior to today 's date. Without any notice, written or otherwise, Fay reported me late to the credit companies. Zero notification, and zero communication in order to try to clear up the matter. Not only did I receive a 30 day late from Fay, but XXXX XXXX terminated one account and dramatically changed the terms of another account. 

What actually happened is that I made 2 payments, to Fay. in XX/XX/XXXX, one of the payments in error. The extra payment was returned to me by my bank. This is a seasoned mortgage account with over a 10-year pay history. 

I have had multiple conversations with Fay. I have asked them to remove the mortgage delinquency. They refuse. I have again sent Fay all the appropriate bank statements, and proof of payment via a canceled check receipt. Not only has my credit and credit score been damaged, other creditors have terminated their relationship with me or changed terms. 

I have no issue in cooperating with Fay. Mistakes happen. However, their radical and cavalier behavior in erroneously reporting me late, without first contacting me and then placing the entire burden of proof on me to produce bank statements and canceled checks are not reasonable. 

Thank you for your time.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account XXXX : XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

My lender has locked my access to the account., Online and on the phone. They want {$50.00} direct draft from my bank account to place on deferment. I get calls multiple times a day from different numbers and they are all Navient collectors. They refuse to take a check or money order for payment. They refuse to discuss payment options until I give them my routing number. I also was unable to print my tax information because my account is locked.
Consumer complaint received 2021-09-20
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: LEXISNEXIS (NY)

I checked my consumer report a while back and noticed a bankruptcy being reported. When I contacted the bureaus explaining my rights to privacy they sent a letter back stating the letter was verified and accurate. I contacted the bankruptcy court to find out if they gave my information to the credit reporting agencies, they stated they do not report any information to any of the agencies. I then noticed that the main bureaus received their information from LexisNexis so I sent a letter to them explaining how they are violating my rights as a consumer and I even pointed out the laws they violated. I never gave them permission to furnish anything on my consumer report so that violates 15 USC 1681b ( a ) ( 2 ). I have the right to privacy and they violated that law, 15 USC 1681 ( a ) ( 4 ) and they stated that the information was investigated and verified but who did they speak with? 15 USC 1681a ( e ) states that to conduct an investigation, they would have to speak to neighbors, friends and/or associates and if they spoke to them the information provided can not be factual. LexisNexis violated these laws, destroyed my moral character and lied. The information on my consumer report needs to be removed. In addition to everything mentioned above, I want and deserve remedy ASAP.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXXXXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} Inquiries 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
Consumer complaint received 2022-11-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).