davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.
Consumer complaint received 2019-02-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I have asked for options in repayment several times, because I have been having difficulty paying the full amount monthly. Navient has not given me any forbearance/deferment/payment reduction options. Instead, they tell me I am behind and need to catch up with no other options given. Since, I have been placed on a payment program to catch up. Ive been told that my account will be current as of XXXX if payments are made. The company continues to report NEGATIVE comments on both my credit report and my co-signers, even though we are on such a payment plan, and have asked for other options. I spoke with Navient regarding the derogatory comments on both credit reports, and was told that they will continue to give negative hits to our credit until XXXX, even though we are on such a payment plan to catch up. These negative comments on both credit reports have made both mine, and my co-signers credit drop drastically. Our credit is being hit with derogatory marks EVERY SINGLE DAY! Sometimes, more than once a day! This is totally unacceptable for a company to take advantage of their customers and put them in such a horrific credit state if the party is trying got work with them to resolve the issue and make payments to become current. I WANT THE DEROGATORY CREDIT REPORTS TO STOP IMMEDIATELY!
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

On XX/XX/XXXX Discover Credit card company called my 2 accounts, my one account ending in XXXX which I had for over 4 years was closed, and my newest account ending in XXXX was closed also, Discover claimed it pulled a credit report from XX/XX/XXXX from XXXX XXXX and on this report they claim I had 3 collections and that they choose to close my good standing account which I was never late and paid in full monthly for over 4 years! When I contacted Discover to inform them, that this is a mistake on my credit report, they refuse to look into the matter and reconsider, what really had my upset, is one my account ending in XXXX I paid this account in full, and was never late, and they closed my account without warning, damaging my credit report in the process. In account ending in XXXX this was a secured card, that I actually graduated from with their step program and was awarded to unsecured, and then they turn around and closed my account anyways without regard to the consumer! The credit report they pulled from XXXX XXXX doesn’t show collections on my report! And the information was either a mistake or outdated! No one from discover called prior to it being a issue and no warning was in place for me to respond to them about their concerns. My credit is great now! And it’s in jeopardy because Discover closed my oldest accounts without warning!
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

I am an Ohio pandemic unemployment recipient. My funds have been frozen on my usbank reliacard since XXXX. 2 payments totalling XXXX are being held after verifying my identity several times. They have requested my State issued ID, proof of social security, tax documents, and a selfie, all of which I've sent. These are the same documents that Ohio unemployment insurance accepted to verify my identity.
Consumer complaint received 2020-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (NC)

The XXXX  app is not connecting to my Pnc bank  account card for some reason it says that Pnc isnt allowing my account to link to other accounts thats whats going on. Its not letting me cash out any money from the app
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

Date of compromised accounts was XXXX ( time XXXX XXXX PST ). Im curious if someone will be contacting me? My issue is with Coinbase. I had 1 XXXX ( estimated value {$9400.00} ) and now it is gone due to my account being compromised. I did inform Coinbase that day such as 1-2 hours after I discovered it had happened? I have tried to call countless times and no returned calls and emailed more than many times. Apparently Coinbase does Not make out bound calls to clients and the only form of communication is via email. I made a police ( Sheriff ) report here in XXXX WA. Report number # XXXX. Also I have froze all of my credit bureaus as well. Then my XXXX XXXX ( Debit card only ) account was compromised as well Where {$4800.00} was taken but at this time XXXX XXXX was nice enough to Temporarily reverse the debits while they do further investigation. So I have opened up a case for fraud ( XXXX XXXX  ) and have been sent a new debit card. Please let me know if you can help? I have also emailed ( you ) SEC, FTC and CFPB. Just searching for assistance so I can resolve this matter. 
Respectfully, XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (CA)

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

( 1 ) Account name XXXX  account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( 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 states a consumer reporting agency can not furnish an account without my written instructions 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 2023-01-09
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: MRS BPO, LLC (IL)

I NOTICED A ACCOUNT THAT I WAS UNAWARE OF I DISPUTED IT WITH THEM I WAS A PART OF XXXX XXXX XXXX I HAVE PROOF OF THAT IN MY IDENTITY WAS MIS USED I JUST WANTED THE ACCOUNT REMOVED SO I CAN MOVE FOWARD BUT IF I HAVE TO TAKE LEGAL ACTION I WILL THE AMOUNT WAS {$1800.00} THE DATE OPENED WAS XX/XX/2022 15 usc 1692 G B. THIS ACCOUNT IS NOT MINE CAN YOU PLEASE REMOVE THIS HARMFUL INFORMATION IF YOU CAN NOT VALIDATE DEBT. ( XXXX XXXX ) ( FDCPA ) ANY REPORTING OF THIS DEBT TO THE CREDIT BUREAUS PRIOR TO ALLOWING ME TO VALIDATE IT MAY BA A VIOLATION OF FCRA
Consumer complaint received 2020-10-27
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. (CA)

I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (PA)

It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.
Consumer complaint received 2022-08-05
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. (GA)

I have disputed inaccurate information on my consumer report since XXXX  and have been told my by XXXX, Equifax, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.
Consumer complaint received 2023-01-25
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-26
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. (CO)

Equifax ; XXXX and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-10-11
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. (FL)

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, XXXX  and Equifax.
Consumer complaint received 2020-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. 

Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Within the last 30 days, XXXX XXXXSynchrony Bank reduced my credit limit from $ XXXX to $ XXXX without any outreach or notification. My account balance has been XXXX for the last couple of years but caring for three mature pets it is reassuring to have a higher rather than lower credit limit in case we need veterinary services. 
Additionally, I have not failed to make a timely payment and continue to increase my salary.
Consumer complaint received 2022-11-29
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. (CA)

I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXX-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
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 have attempted to regain access to my Coinbase account since XX/XX/XXXX XXXX. I have sent photo id drivers license, and opened account to find no money!! And a message that my portfolio could not be acessed. The phone number the give gives no access to live representive. Since XXXX i have spent hours to try to acess my account tickets prove to be a series off complicated lost of things to do.
Consumer complaint received 2018-02-10
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. (GA)

Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite (IL)

I called a student loan company that said they would help me stop garnishment of my paycheck for student loans. I was told to make a upfront fee to them. I paid over {$1500.00} to this company as stated in my bank statement it shows XXXX in Florida for the amounts of {$280.00} and there are six payments made to this company. As you can see this company is the same as 77 Elite it is the same address and location. 77 Elite stated I never made any payments and that is a complete lie because as you can see they are in the same address. I think this might be a scam and they just changed names. I have for the past year sent all documents requested but yet this company has not helped stop my garnishment like they said they would. This company has done nothing but constantly say they are working on it and need more documents. How much do you need. They were quick to take my money but have done nothing to help me. They are a scam.
Consumer complaint received 2019-02-18
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: ID Analytics, Inc. (GA)

I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2020-10-11
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. (NY)

XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2022-01-05
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. (NH)

Hello, I received XXXX HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on XXXX individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " XXXX XXXX Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from Equifax XXXX XXXX and XXXX.
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX   The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.