davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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: SYNCHRONY FINANCIAL (TN)

I was a victim of your inquiry issue. I have 6 additional inquires on my XXXX   report that were not there before. I would like them removed. I also have a few inquiries I did not make and already reported when I had identity theft on my name.
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AZ)

my business i was running came to a haunt when my son was turned to online education which caused chaos in my life and the start of form filling for ever care act and taxes all while having the kid learning from the get go at home. i received a call from ally bank who was trying to act as a collector and told him according to the news CoVid-19 I am defecting payment for 120 days. Ally rep stated he understands and would handle it. i receive more calls, a letter, changes to credit report stating that this never happend and from a conversation from employee at ally bank yesterday. i said why was it not he stated he agreed on phone and that was it so I asked for a copy providing proof this has been done as well as documentation to restore my credit rating the previous rep screwed up from not doing his job. This is rediculus im at mercy of a anothe rindividual who cant do what was told on the phone and i am having to waste more time stress with credit ratings and what not only to regurgitate the same XXXX we discussed back in XXXX.
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (DE)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (AR)

XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, XXXX  XXXX : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX  XXXX  : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of XXXX itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.
Consumer complaint received 2018-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

I made a couple of purchases of bitcoin through Coinbase 's  buy/sell feature and deposited to my Coinbase bitcoin wallet. My coinbase bitcoin wallet available balance reflects the amount of the deposits, however, I am unable to do anything with them. Initially Coinbase support told me that they just had to make sure the transactions cleared my bank. According to my bank the transactions have cleared. However, I am still unable to access my Coinbase bitcoin wallet for sending my bitcoin. Furthermore, now Bitcoin support is telling me it will 57 days before I will be able to do anything with the bitcoin in my wallet. They won't give me a reason other then they need to wait until the transactions have cleared my bank. When I phone them and tell them ( again ) that the transactions have cleared my bank they say there's nothing they can do - unacceptable. When I email them and tell them the transactions have cleared my bank with pictures showing proof of the cleared transactions, I get no reply from them. I've tried to close my account and have all funds transferred to a different wallet provider, however, Coinbase will not let me to this either. I basically consider them as having stole my money for 57 days or longer if they so choose. I wish I had researched them better before I decided to do " business '' with them.
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AZ)

FedLoan Servicing Center has reported incorrect information on my ( XXXX ) credit report. I have been unable to reach them to clear it up because the number they have listed/provided ( XXXX ) is not a working number. It immediately disconnects after the first ring. 

FedLoan recently discontinued handling federal student loans & transferred all their accounts to other lenders ( XXXX & XXXX ). My loans were transferred to XXXX. However, an error ( obviously ) occurred in the transfer. My ( FedLoan ) loans were in an IDR ( Income Driven Repayment ) Plan, with {$0.00} past due & a {$0.00} balance due at the time of the transfer. 

Note : FedLoan Company is not out of business, they are just no longer a student loan company. Therefore, they should still be contactable. 

I have a credit dispute that I have been attempting to clear up and resolve but can not reach them. 

Though XXXX Credit Bureau shows my FedLoan account at a {$0.00} balance, it is still showing up as a delinquent status. I was denied a loan ( from another lender company ) because of this inaccurate reporting on my credit report. This is keeping me from ( re ) starting school ( in XXXX days ). 

Please see that FedLoan corrects this ( delinquent status ) error immediately. 

Please contact me asap at XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient has been reporting incorrect information to my credit report.I was told that I was under forbearance in 2016 Navient instead reported me as 120 days late in 2016.It is incorrect information
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CFW Holdings LLC (TX)

I borrowed money from this company several times and always pay back 3-4x what i borrowed. I understand the nature of these risky loans but desperate times called for it. 
But I'm a XXXX XXXX XXXX XXXX  and due to the COVID-19 crisis all of my business were shutdown by the federal and local Government. 
I wrote and called the company and explained the situation. I told them that due to the crisis i have little to no income coming. I sent a letter of revocation and i even put a stop pay at my bank. 
I emailed cash for whatever and asked to workout a different repayment option that didn't involve them drafting my account. 
They won't respond. They've even created a fake check to get money from my account because they couldn't do the ACH because of the stop payment. 
As of now my account is almost {$350.00} in the hole because they've hit my account 3x in two weeks  plus about 4 {$35.00} overdraft fees. 
I haven't had a pay check in almost 2 months and I'm struggling to feed my family. 
What can i do?
Consumer complaint received 2020-04-22
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. (CA)

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, Equifax and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, Equifax and XXXX they have yet to respond in our favor
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IL)

XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed
Consumer complaint received 2017-10-16
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. (MO)

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and Equifax each month. 

I also sent a letter to Equifax and XXXX notifying them that the information is inaccurate and requested that it be removed.
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, Equifiax, XXXX, and XXXX are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.
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)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Hi CFPB, on XXXX I received an email from Paypal saying that they close my Paypal account and that my balance ( XXXX EUR ) would be retained for 180 days and that if at the end of those 180 days had funds available for withdrawal, they would be made available for transfer. 

They never specifically told me the reason for the suspension because they don't say specifically what the reason and which point of their contract I broke. 
On XXXX, I received an email from Paypal with the subject " Status of your Paypal funds '' in which they said that my balance remained as a reserve amount. 

On the XXXX, I received an email from Paypal with the subject line saying that " You are already a recognized seller '', receiving congratulations from Paypal for that. " Congratulations! You are already a recognized seller. '' If I am recognized, why do they close my account? This makes no sense. 
It so happens that yesterday, when I logged into my account, I noticed that my balance is at XXXX and the 180 days have not even passed ( they only end on XXXX ), and I see that Paypal, without saying anything to me, made a transfer to themselves on XXXX alleging " NoteXXXX EUR ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal damage caused by violation of Acceptable Use Policy ''. 

They transfer without my knowledge? With what reason? 
Then they claim damages caused by violating the PUA, but what damages? At no time was there a complaint regarding any transactions on my account, nor any type of chargeback on my account. So, what damage did I cause you to withdraw XXXX from me? 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a XXXX chargeback rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws. That being said I have no problem with, and agree to leaving a balance for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.
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)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2017-10-16
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: BARCLAYS BANK DELAWARE (TX)

I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (TX)

I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2018-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I am unable to pay for my loan because I had to file a Bankruptcy and take an early Social Security of only a little bit over {$700.00} a month. When I do find a job The I.R.S. taxes me and I have to pay instead of getting a refund. Navient told me I could get a Repayment plan according my income. They told me its approved and the the next month send me a bill for {$700.00}. This goes on and on month after month and my loan went from {$36000.00} to {$42000.00}. When I try to get my I.R.S. Tax return information online I can not retrieve it .I am XXXX years old and am living on Social Security and a part time job of 15 hrs. a week .Every time you try to contact Navient you get a different individual and nothing gets accomplished. I am not trying to get out of paying my loan, but I do not understand why I can not pay a small amount and keep the intrest down. Illinois Attorney General XXXX XXXX has filed a Lawsuit against Navient and when ii ask them about it they will not respond. 

What kind of Options do I have? 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

I contacted Jefferson Capital Systems to settle a debt I had with XXXX XXXX  We verbally agreed upon settling for half the owed amount ( {$500.00} ). I gave them my debit card information and was charged {$250.00}. Great. Problem solved. Tuesday, I received a letter in the mail from a new debt collector requesting to settle a balance from Jefferson Capital Systems of {$250.00}. I feel like they sold a settled debt.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

In XX/XX/2019, Citibank- The Home Depot reported a 30 day late on my credit. I had submitted the information in the system for automatic payments. The automatic payments did not go through on citibank side. I requested that the creditor pull the telephone recording to verify the request submission from XXXX of XXXX  with no response. I have written, text and called with no recording or follow up. This late has caused a 60 point drop in my credit with a 7 year stain on my credit. I want the 30 day late removed as I have NEVER missed a payment before.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (NC)

I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!