davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (KY)

In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with Equifax, XXXX, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
Consumer complaint received 2022-08-25
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. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-09-08
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: Exeter Finance, LLC. (NC)

XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Chase blocked one of my credit card about two weeks ago stating fraud review. However after I called in and answered questions they said only a specific department can gain access to the account and clear it. They stated they would contact me within 24-48 hours to clear it up but that never happened. I 've followed up three times no one has EVER given me a call. They have since blocked all of my credit cards with Chase. I pay hundreds of annual fees on these cards and the fact that I am not being able to use the cards as advertised is simply unethical. I do n't know what they need but they are not following up on the issue at all. I am currently in Florida in the middle of a hurricane and I have no way to pay for things. This is absolutely a disaster.
Consumer complaint received 2017-09-08
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: CORELOGIC INC (GA)

I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (SC)

On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I am on an ibr plan with navient. Ive been making monthly payments and my balance continues to increase. I see that they have multiple suites and they did have me in forbearance for a long period of time which should have probably been I 've at that time as well.
Consumer complaint received 2017-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MD)

Several times Ally Financial has called me to collect on my past due auto loan. When I answer they hang up as I 'm saying " hello '' ( I answer typically after the 2nd or 3rd ring ). They are using the " deceptive '' tactic as a way to notate my account as " no response '' this has been going on for about 30 days. I have made payment arrangements via online and called to advise I have done so, and I 'm still receiving calls. As well when I contacted Ally in XXXX to make payment arrangements, inquire about assistance, and ask about they 're repossession policy the representatives as well we Supervisors refused to give me " clear & a straight forward '' responses. I am issuing a complaint of harassment against them. And would like it to be looked into
Consumer complaint received 2020-08-19
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. (AL)

I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

I submitted a wire transfer for {$12000.00} to my XXXX account on XXXX/XXXX/XXXX. XXXX is the exchange operated by Coinbase , Inc . The XXXX website states that " wire transfers submitted by XXXX PT may be credited to your account on the same business day. Otherwise, funds will be available after one business day. '' The sending bank has confirmed that the funds were received, however as of writing this 6 days later, I can not access the funds through my XXXX/Coinbase account, and Coinbase has been unresponsive to my multiple requests for updates/customer support. 

I have the federal reference number, sending/receiving account numbers and other information to ID the transaction if necessary. Apparently I am not the only one experiencing problems with Coinbase wire transactions, see this thread from their customer support forum : https : XXXX Thanks in advance for any help in resolving this issue.
Consumer complaint received 2020-06-22
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. (MD)

ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( equifax and XXXX  ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Since the crisis due to covid, I was only able to make partial payments on my account. But the high interest charges are too much to bear especially with the economic downfall and loss of income. I already paid my balance in full but the high interest charge remains. I called the credit card company and wouldn't give any consideration and says the interest charge was valid. 
Please help.
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Navient Solutions, LLC. (FL)

Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (TX)

I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (MI)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX  Bankruptcy Account NumberXXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX  Account Number:XXXX Account Opened:XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry DateXXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-10-07
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. (GA)

I have resolved an auto loan with XXXX for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Citibank closed a billing dispute in the merchant 's favor and reversed the conditional credit for a transaction which I disagree with. 

XXXX XXXX XXXX is operating a bait and switch negative option transaction scheme whereby they sign customers up for a lengthy trial period. In my case this was 12 months. They then intentionally fail to send a notification to the customer that the trial is ending and that the price will increase, despite promising during the sign up process that they will alert the customer of any price changes. 

Evidently they don't consider a 12 month trial ending and the price being multiplied by a factor of XXXX a price change. 

Citibank is encouraging this anti consumer behavior by supporting the merchant in this deceptive billing practice and reinstating the charge. It is widely understood that these billing arrangements are improper. XXXX has banned this behavior already, and XXXX has announced a similar ban beginning later this year. The combination of the questionable business ethics of running this sort of scheme notwithstanding, with failure to fulfill a sign up promise to notify me ahead of the price change, should be sufficient for a finding in my favor. 

I feel that the charges I incurred as a result of this scheme should be reversed and Citibank should find in my favor. 

The first improper charge is for a total of XXXX from XXXX on XX/XX/XXXX. 

The second improper charge is for the same amount on XX/XX/XXXX. 

The expected amount for both charges is {$4.00} which is what I opened the dispute for. 

Because XXXX promises during sign up to inform the customer of any price changes and they did not do that, I feel these charges are improper.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

On XX/XX/2020 a collection account appeared on my credit reports from I C SYSTEMS COLLECTIONS for a supposed debt of {$600.00} to XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this account.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I HAD LEFT MY LAPTOP ON INSIDE A PUBLIC OFFICE. SOMEONE HAD MADE A TRANSACTION FROM MY ACCOUNT TO ANOTHER INDIVIDUAL WITHOUT MY AUTHORIZATION. THIS HAS HAPPENED BEFORE TO THE SAME INDIVIDUAL, PAYPAL DOES NOT ALLOW FOR ANY EXPLANATIONS AND CHOOSES NOT TO BELIEVE THEIR OWN CUSTOMERS. THIS IS THE 2ND TIME THIS HAS HAPPENED AND IM SICK OF PAYPAL HELPING THIEVES.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ) 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2017-09-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXXat XXXX I recieved a call from XXXX at Wells Fargo Dealer Services from the number of XXXX XXXX XXXX. He was asking when I would be making my XX/XX/XXXX payment because I was close to going 30 days past due. I explained again that I was not able to pay until XX/XX/XXXXbecause of unexpected medical expenses. I explained that I would be making the payment of {$380.00} online on He offered me some assistance in the form of a " due date change ''. He said that if I made the payment of {$380.00} by XX/XX/XXXX I could call or go online and request a due date change and move my next due date until XX/XX/XXXX. He explained that I would be moved out of a past due status and would n't be paste due any longer. I would start fresh and be current in XX/XX/XXXX. As promised, I make the payment online on XX/XX/XXXX. On XX/XX/XXXX i went back to the website after the payment had posted to request the due date change XXXX had offered me. It gave me # ' s XXXX to choose. I selected XXXX and clicked submit. They system showed my next due date as XX/XX/XXXX. I was confused because I was told me next due date would be XX/XX/XXXX. I called back to clarify. XXXX answered thephone and I expressed my concern. I asked why my next due date was showing XX/XX/XXXX and not XX/XX/XXXX as I was promised. He explained the due date change process and I assumed assured him that was NOT what offered to me. I was n't being offered ANY assistance at all, just making my account less days past due. I told XXXX that I felt he was very deceptive on our first phone call on XX/XX/XXXX. I specifically asked if I would no longer be past due, and he said yes! We ended the call with no resolution and I feel very manipulated and deceived by Wells Fargo Dealer Services.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my federally protected consumer rights to privacy and confidentiality. under 15 USC 1681 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 Castrucions 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 intormation Anv other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2022-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I have a XXXX XXXX XXXX XXXX, like an XXXX and I take payments using XXXX, which is owned by PayPal. It has been a week and they refuse to let me transfer my payment to my bank account. They have frozen my money saying that they need further information about my business. I have called them twice to resolve the matter and they say they will release my money but they still won't do it. They say they need documentation to show who my vendors are. I do not have vendors as I do not sell a product, I provide a service. I desperately need this money especially after the hurricane ( Ian ) that just hit Florida. All I get is a runaround. Please help
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX