davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

XX/XX/2021 reached out to Coinbase support to help on 2 factor identification issue locking me out of my account. My phone number had changed and I could not receive the 2 factor code. 
XXXX XXXX I have followed all their support instructions, uploaded ID images, pictures of myself from web cam, etc. XX/XX/XXXX received email " Our team is currently reviewing your account to find best solution ''. 
XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status I have not had access to my account or funds for over 30 days. This is not acceptable and it seems like it should also be illegal to not help customers gain access to their account to trade.
Consumer complaint received 2018-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FORD MOTOR CREDIT CO. (NV)

On XX/XX/XXXX I went to the Auto Dealership, ( XXXX XXXX, XXXX XXXX, NV XXXX ) to roll my lease into a purchase. I met with the salesperson who I used to purchase the lease in XX/XX/XXXX to talk about what options I would have to buy the car. He told me he would have to submit the information for approval since I am retired and on a fixed income. Later on that afternoon he called me back and said that I got approved @ a 9 % interest rate. Later on I XXXX " Interest rates on used cars '' and the current standard industry is around 4.5 %. The next day ( today ) XX/XX/XXXX I went back into the dealership to see if I could negotiate a more reasonable interest rate since I felt like they were gouging me. At one point during our conversation with the counter person who handles the loans the sales person looked at him as we were discussing the loan and said ... Isn't the rate@ 9.5 %? Yesterday it was 9 % and today it is 9.5 %? We continued on for a while and the counter person said ... It isn't us it is the main XXXX XXXX XXXX company that is setting the interest rate. A few minutes later we were still haggling and he said ... '' What do you want a point off ''? After that I started thinking if it was XXXX XXXX XXXX and not the Local Dealership were I was at making the decision on the interest rate ... Why would he be making that statement? He also mentioned that if I had a job he could get me a lower interest rate? Isn't that discrimination in lending? Why should I be treated any different than anyone else? I have been in this lease almost 3 years and have never missed a payment. Also the counter person kept mentioning that it was them ( XXXX XXXX XXXX ) not us setting the interest rate. I also have a credit score of over XXXX. So I just found this on XXXX ... 

Auto Loan Interest Rates | XXXX XXXX, a division of XXXX XXXX ... 
XXXX XXXX XXXXXXXX XXXX XXXX, Term, Interest Rate, APR**. 740 & Above, 0 to 48 Months 0 % Down Payment, 4.00 %, 4.00 %. 740 & Above, 49 to 60 Months 0 % Down Payment, 4.25 %, 4.25 %. 740 & Above, 61 to 72 Months 0 % Down Payment, 4.50 %, 4.50 %. 700-739, 0 to 60 Months 0 % Down Payment, 5.50 %, 5.50 %. 650-699, 0 to ...

According to the above I should get a 4 % loan w/a 750 or above credit score and my fixed income should not reflect the outcome of the interest rate XXXX XXXX wants to charge me. Also note the new car financing in the area is@ 0.9 % and 1.9 %. Hope you can help me with this as it saddens me that a reputable Corporation would want to gouge their customers just because they think that their behavior is appropriate. Anyway, thanks for your time and help.
Consumer complaint received 2018-03-31
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. (LA)

My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX  to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX  deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX  to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX-XXXX-XXXX who is the collections manager with XXXX. XXXX with XXXX   provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc. (VA)

I was denied a rental property due to an outstanding balance on a property I allegedly rented from them ( I did not, they have the wrong person ) but I'm trying to get information to find out what's happening, and when I called them, they refused to provide proof of the debt. They also tried to trick me into providing my current employer, I guess to ease their collection process. 

I expect them to, immediately, provide either proof the debt belongs to me or to remove the debt from my rental credit report so I can shop for a new place to live.
Consumer complaint received 2018-03-31
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. (LA)

My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Consumer complaint received 2018-07-12
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: On-Site Manager, Inc. (GA)

I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!
Consumer complaint received 2020-10-30
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: AMERICAN ADVISORS GROUP (TX)

AAG ( American Advisors Group ) refuses to supply the FCRA clause that allows companies to verbally access a consumers credit report. Attached is the letter they continue to send but they do not supply the legal reason. It appears they are not fully knowledgeable of the FCRA Section 604. AAG continually states they had legal permissible purpose but will do nothing to defend. I will not give up until they supply the legal that allows them to use verbal permission to access a consumers credit report.
Consumer complaint received 2017-08-03
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: CITIBANK, N.A. (OH)

I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their error.
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (NC)

Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX I recently applied for a mortage through XXXX and I also paid to see my own credit score and I am denied access to my Equifax credit report. I called the customer service number and they could not provide me any resolution. I went to my bank and faxewd over the required document. I am the owner of my credit and should not be denied access. Additional my information should match the information I provide. Additionally I feel I am being blacklisted by the actions of Equifax. i would like to know how my information has been establlished incorrect as I am now XXXX  years of age. I have had credit cards and other items using, my credit why is Equifax hold my info hostqage??? XXXX XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove ( 16 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX Dealer S Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX - Auto Finance Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Look I'm the victim here, this Bank Citibank has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, Citibank was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only 1 XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

After several background check performed by checkr the most recent reported to XXXX that I have an open warrant in XXXX County FL from XX/XX/2002. Not only is that information inaccurate but it is 18 years old. XXXX has ultimately blocked my ability to drive causing a financial hardship at an already difficult time. I contacted Checkr to dispute this information and was advised their reinvestigation may take up to 30 days. So 30 or more days with no income. They also reported information in XXXX about a ticket which was XXXX processed and cost me 8 weeks of income. I feel like I am being targeted by this company on an effort to make their service appear to be valuable to these companies when in reality they are a scam.
Consumer complaint received 2020-08-31
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. (MN)

I contacted Equifax in regards to an account that appears on my credit report that doesnt provide any details. It doesnt say who is reporting or an account number. I called them and they refused to give me information about this account.
Consumer complaint received 2020-08-31
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: Navient Solutions, LLC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (WI)

My mortgage company ( TCF Bank ) was suppose to pay my property taxes before the end of 2020. As of today, there is no record of these taxes being paid. I have contacted them numerous times in the past few weeks but nobody can explain why my city clerk has not received payment. TCF Bank states that they dispersed the money from my account to pay the taxes on XX/XX/2020. The amount they paid was the correct amount for my taxes. That's all they can tell me. They can't tell me who they sent the money ( city clerk, a holding company ) or how they paid it ( electronic or check ). They won't even tell me if the payment cleared their bank and when. It is very frustrating for me because this has never happened to me before. I should note that TCF Bank took over my mortgage a few months ago from Chemical Bank and now I have to put up with this XXXX. My money is gone and no one at this company really seems to care because I keep getting the run around. Please help me. Thank you.
Consumer complaint received 2020-08-31
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: WELLS FARGO & COMPANY (FL)

Wells Fargo CRD SVC on XX/XX/20 a hard pull was completed on my XXXX  credit file of which i do not recognize I am very upset regarding this pull as it has damaged my score.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.