davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: MODERN FINANCE COMPANY (CA)

I purchased a used car in XX/XX/XXXX I was supposed to be done paying it off in XXXX XXXX. The company says my loan has matured and I am now being charged XXXX dollars a day until its payed off. I also am not able to view my account online.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I was told by Dept of Ed on XX/XX/XXXX to apply for the new XXXX XXXX. I applied on XX/XX/XXXX, and then logged in to Mohela to see I already had a payment plan in the system ( which was not the case before ). I called Mohela on XX/XX/XXXX to cancel the new IDR payment plan request. I was told by the rep that I wouldn't need to pick a new plan until XXXX. I called back on XX/XX/XXXX to confirm the new payment plan would be cancelled, and I was told yes. 

XXXX XXXX I got an email from Mohela that some of my loans were in administrative forbearance - I did not ask for this. I called several times to find out why, as I would like to repay ALL of my loans not just some, and was not able to reach anyone. 

When I logged into my Mohela account on XXXX I see that my payment amount is now double the cost of what it was last month. A surprise increase by XXXX XXXX dollars. I called Mohela several times this week and did not get through until yesterday, XX/XX/XXXX. I was on the phone with the rep who said she was going to have a supervisor review my account. I was told to continue holding. After XXXX minutes, the rep hung up on me. I know for a fact she hung up because the phone was on speaker and resting on my desk, I did not touch it at all. The rep said during our call that she would call me back if we got disconnected, but she never did, so she 100 % purposefully disconnected. I did some research and I am far from the only one that Mohela has hung up on.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern Equifax, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported late payment ( s ) on my consumer report : XXXX Account # XXXX Let me be clear, the late payments ( s ) on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay! 
I would like to remind you that the consumer laws cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow. 
15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 
15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option. 
XXXX usc XXXX ( a ) ( XXXX ) is a section of the United States XXXX that outlines the permissible purposes for which a consumer reporting agency XXXX furnish a consumer report. In general, a consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other : XXXX ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. 
It is clear that the late payment ( XXXX ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. 
Let me be unequivocally clear, according to XXXX XXXX XXXX, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. 
I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously it immediately.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2023 Amount : {$150.00} Description : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The merchant did not deliver the goods as promised. When I arrived to complete check-in at the hotel I observed bed bugs, stained mattresses, and poor room standards. The room I purchased with the merchant XXXX was not the same room standards that were actually presented at check-in. I immediately declined staying at the hotel. I was in the hotel room all of XXXX minutes. The front desk clerk informed me that the XXXX XXXX  XXXX would not be able to reimburse me because I purchased the room with XXXX. I was informed by the clerk to obtain my full refund from XXXX. I was out of town for a family wedding and was hugely inconvenienced. There were no other hotels available at the rate I purchased the XXXX XXXX  XXXX. XXXX XXXX  declined any refund stating that I authorized the charges. I was treated extremely poorly by XXXX 's customer care support team. I agree that I did authorize the charge with the condition that I would be provided a clean, healthy and upstanding room. The merchant failed to provide the " goods as described '' and I did not get to utilize the services I invested my monies into. At the last minute I had to come out of pocket a total of {$300.00} in additional monies. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the merchant provided their rebuttal stating I approved the transaction. However, XXXX is responsible for holding the hotels, airlines, and car rentals responsible for providing substantial services to XXXX 's customers. XXXX is not to hold the consumer responsible for the lack of good faith provided by XXXX 's contractors. 
Exhibit A shows the photos of the actual room conditions of the XXXX XXXX XXXXXXXX. Exhibit B shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/23 I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall... 
( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.
Consumer complaint received 2017-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.
Consumer complaint received 2021-06-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I have settle account with Navient # XXXX via XXXX XXXX XXXX # XXXX who bought manages their past due accounts. This account was settled in XX/XX/XXXX but XX/XX/XXXX this accounts still shows a balance. I have called multiple times to clear this out and I am constantly told that they are going through a system conversion that is taking long for them to reflect payment received. I called enterprise and they advised me payment was sent to navient the first week of XXXX in t he amount of {$650.00}. I called navient and a escalation manager sent me a XXXX balance letter but this morning I received a statement showing i still have a balance. Please help! This is ridiculous that this company is reporting incorrect information and keeping my money if settlement and have no response to when all this information will be corrected.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting Act XXXX  Account name : DEPTEDXXXX, XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, 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 an account without my written instructions.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (WI)

My Husband obtained a Care Credit card ( Synchrony Bank ) from his XXXX. My husband passed away XX/XX/2016. I began receiving statements for payment and the account was transferred into my name without my consent. I felt obligated to pay, and did so for 9 months. My son realized what was happening and that this was not legal. I stopped paying and we contacted Synchrony Bank to resolve. I asked for proof that I was legally obligated and they could not provide any verification of my signature on a binding document, or any electronic or recorded proof- because it does not exist. I was never involved in this credit. After several more calls and requests to rectify this, and explaining to them of the numerous violations against me, they still have not responded and the collection calls and letters continue. I am XXXX years old. This practice is no different then XXXX opening credit card accounts in customers names without them knowing. 
I believe Synchrony Bank is violating many regulations including, but not limited to, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, New Frank/Dodd Credit Card Act, Reg Z Truth in Lending. Each call made to Synchrony Bank has been recorded ( at least we are told so ) and anyone who would listen to our requests to have this resolved, our explanation of the laws being violated, and our request to do the right thing would agree that Synchrony Bank is ignoring all requests, and willfully continuing with this illegal activity.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

1. XXXX XXXX  XXXX  opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX that there was a data breach and my information belonged to this data breach accident. 

XXXX. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX XXXX  was not accepted delete this fraud account with charge-off status. 

4. I got a Data  breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent.

These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc. (PA)

I want to nwcs to try to get this off my credit report a few years ago with no success, the company name is Real Time resolutions Inc it has been like 15 years I want this remove from my credit report. The amount is for XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the XXXX act XXXX XXXX XXXX XXXX Account number 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 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (MO)

Stonegate Mortgage Loan XXXX. Owners XXXX filed BK. Bk discharged. Applied for mortgage modification with Stonegate Morttgage and was denied effective XXXX XXXX. Letter sent to homeowner that there were alternatives to foreclosure, but no short sale package was sent. Homewowner requested shortsale package XXXX. Shortsale package requested a second time approx XXXX XXXX, 2017. Short sale package sent out XXXX XXXX per may phone call today with Stonegate. In the mean time while homeowner is pursuing alternative to foreclosure, Stonegate is stalling and Dual Tracking by initiating foreclosure at the same time. In addition they say they have to have complete package and sales contract 37 days before foreclosure date. In Missouri that is impossible since it is 21 days to foreclose in a non-judicial state. Not to mention you can not list property for sale while pursuing a Mortgage Modification. CFPB needs to order Stonegate to cease dual tracking.