davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

Back in XX/XX/XXXX I was informed that my payments for my loan would increase from $ 25 month to {$140.00} a month because I graduated from college. I understood because my deferment process was over, I knew with my income that I could not afford to pay {$140.00}, so I asked for possible repayment options but because my co-signer makes more than enough money to pay the loan I did not qualify for any lower repayment options. So I then asked to do a co-signer release and my co-signer and i was told that we had to make 6 months of on time payments and my co-signer could be released and this was in XX/XX/XXXX. So we paid 6 month on time payments as needed and when I called back to do the co-signer release in it was a different story, I was told that I could not remove her because she log in to the account and help pay the payments of the XXXX which I myself could not afford which was already explained back in XXXX when they ran my Financial report. In XXXX when I asked about the co-signer release they said nothing about how the payments had to be paid they just stated that I needed 6 months of on time payments. So now I am struggle to pay the XXXX and I get a statement explaining that my payment has increased yet again and I am still unable to get any help paying off this loan. Then I call in XX/XX/XXXX and once again ask for help with repaying this loan and the rep says that if I sign up for automatic debits then I can save 0.025 % on my loan which will bring it down to the XXXX but if the market interest increase then my balance will increase as well and they will take more out of my account. Which I do not understand because I would only be authorizing Navient to take out XXXX not any more than that. Also on this call I asked if I was set up with a variable interest loan why were my interset payments only XXXX from XXXX because if my interest was supposed to be a variable interest it should have always been one. I am a single mother and I have {$70000.00} in student loans not including this one and as well as other monthly bills, I have been paying XXXX XXXX Navient for XXXX almost XXXX years and I still havent reached my principal amount and if the interest steady increases how will I ever reach it?
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (CA)

I have had my PayPal account for a few years, when I started doing buisness I switched to the PayPal business account, for all my purchases, and as a place to accept payments for my online store. 
The products I was selling in the beginning were $ XXXX- {$100.00}. 

Recently I scaled my business into a wholesale business and Im now getting $ XXXX- $ XXXX orders. I guess that raised suspicion, with no reason they froze my funds {$800.00} of MY MONEY FROM MY BUSINESS THAT I received, I hadnt shipped the orders out but it had been about 3 days, ( not a long time at all ). 

I usually take 1-2 weeks to ship. 

They wouldnt tell me why they froze the funds they just said we dont think youll be a good match for us any question I asked they said due to security reasons we can not tell you why were closing your account. 

In other words, youre going to have to take your business elsewhere. 

It has ruined my entire business. I was relying on that money for my future customers. AND THAT PLATFORM! 

Theyre holding my money for SIX months! With no explanation as to why! 

XXXX!!!!!
Consumer complaint received 2022-12-21
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 — Was not notified of investigation status or results
Company: AFNI INC. (FL)

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor : XXXX-XXXX  XXXX. XXXX. XXXX  )
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, XXXX XXXX Equifax to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (DE)

I am disputing that I have XXXX accounts on my credit report being reported as : US DEPARTMENT OF EDUCATIONXXXX. They both have a XXXX balance and is closed. They have been on my credit report for more than 10 years. I have disputed this with Equifax credit bureau on several occasions but all they keep doing is verify that the accounts belong to me and that the information on these accounts are accurate. I know these accounts belong to me and that the information is being reported accurately. What I want is for these accounts to be removed from my credit report because its been over ten years that they've been on my credit file. Please help me and do something about this.
Consumer complaint received 2021-05-18
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: SYNCHRONY FINANCIAL (TX)

Over the past 90 days I have sent Information furnisher XXXX XXXX XXXX XXXX two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-10-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BTH Management (MO)

XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
Consumer complaint received 2022-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Hello, On XX/XX/2022 my husband lost his job due to cutbacks at the company he worked for. We sold some personal belongings and scrapped along to pay our mortgage. But, by the middle to of XXXX, we knew we were going to fall behind. At that point, my husband, contacted our home loan company, LoanCare, and told them our situation. We have an FHA backed loan. They told us to go to their website and fill out the loan assistance paperwork. We did that on XX/XX/XXXX. On XX/XX/XXXX XXXX requested specific documents be sent over via email. My husband and I gathered everything that was requested and sent it over on XX/XX/2022 at XXXX. 
We were assigned a Mortgage Resolution Advocate, XXXX XXXX, on XX/XX/2022. We were given a specific phone number and extension so that we could reach out to XXXX XXXX XXXX, if needed. 
On XX/XX/XXXX we received a request in the mail from LoanCare asking for another document, a monthly budget statement. My husband and I had already sent this over in the email on XX/XX/XXXX, but we went ahead and sent it over again. We also requested, in that email, to have XXXX XXXX XXXX  call us with an update on the loan assistance. We have never received a response via email or phone on the status of our requests. My husband is still unemployed. He is also XXXX  with XXXX XXXX and the stress of this has taken a toll on his health. We have tried calling XXXXXXXX XXXX XXXX at the toll free number provided to us but when we call we only get a loan assistance officer working from a call center. When we ask to be transferred to XXXX XXXX XXXX extension that was provided to us we are told " We have no way of transferring to an extension. '' So, we are stuck not knowing what is going on or how to contact anyone about our request for loan assistance. My husband email AGAIN on XX/XX/XXXX and we have received no response. 
After doing some research on the internet I found that LoanCare is notorious for not following up with people and then blaming them for not sending over the requested paperwork in time to provide loan assistance. I was under the impression that having an FHA backed loan provides us with more assistance options. But, since we are unable to get a hold of anyone at LoanCare in the Mortgage Assistance Department, we can't get answers to our questions. This is all been very stressful. We have been in our home for 19 years, made every payment on time, but have fallen into a difficult situation for the first time in our lives. It frustrates us that we, as Americans, don't do more to help those that have a track record of paying on time and doing the right things. We do not want to move from our house. It is equipped to handle my husbands handicap issues and moving is not an option if we can just get a little assistance until my husband finds a new job. 
We hope the CFPB can reach out to LoanCare and get them to follow up with us. Its been over a month since we first contacted them. 

Warmest Regards, XXXX XXXX
Consumer complaint received 2021-12-24
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. (TX)

I recently disputed this account due to inaccuracy and it was REMOVED from Equifax, XXXX, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.
Consumer complaint received 2022-08-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

In the beginning of XXXX my wife and I began an XXXX XXXX XXXX When COVID happened our suppliers were unable to send any items so we were forced to close down. I called my lender and received a forbearance plan. At the end of the forbearance plan, I was offered a modification, however my income had not fully recovered and I could not afford to resume payments. I missed the modification deadline and it was closed out. I was then told that I had to send in a full documentation package for modification review. The review began and seemed to be going well. When I was told a hardship letter was missing it was sent in XX/XX/XXXX, I have attached for review. Today I spoke to XXXX XXXX ID XXXX. XXXX XXXX told me the review closed out on XX/XX/XXXX for missing document ( hardship letter ) and that the loan had been referred to foreclosure. I feel this is unfair as now I am accruing legal fees when I was attempting in good faith to resolve this situation. I asked for the missing documents letters be resent via fax or email, XXXX XXXX refused. I asked for a supervisor, XXXX XXXX refused. I was told I had to speak to their attorney, I asked for contact information to do that, XXXX XXXX refused. This now begs questions : 1. After the first VA streamline modification did not go through, why was I not offered a second chance at a streamline since my hardship was not resolved. I would like to know the reason my lender sent me a modification before I was able to pay. 2. The hardship letter was sent on XX/XX/XXXX so why did this review close out. 3. Is XXXX XXXX correct and the position of my mortgage company is to refuse to send proof of communication, refuse to allow me to speak to a supervisor and while a file is referred to foreclosure but before an attorney files a Notice of Appearance, is the file in limbo where Truth in Lending does not apply? I have done everything on my end to resolve this without involving the courts and legal fees. I believe I have a right to disagree with my lender 's decision and I am unable to speak to anyone to try to find a resolution. Thank you.
Consumer complaint received 2021-03-23
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: DISCOVER BANK (NJ)

Did Not authorize companies for inquiry and do not recognize companies XXXX XXXX XXXX  XXXX  Companies Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and it will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SD)

On XX/XX/2022 I was contacted by XXXXXXXX XXXX about suspicious charges on my XXXX XXXX XXXX Approximately, {$14000.00} was fraudulently charged. I verified with XXXX that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with XXXX that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call XXXX 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called XXXX because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my XXXX account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (MI)

XXXX Collection Bureau has violated my federally protected rights under the FDCPA. I never received a dispute notice before furnishing neither alleged debt to my consumer report. You are now on Notice to cease and desist all communications from me from all mediums including my consumer report for both alleged debt your office has. XXXX is also using my consumer report with Extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. Any damages suffered from XXXX including but not limited to denial of credit, mental anguish, and emotional distress, will be billed to XXXX in an invoice via mail.
Consumer complaint received 2021-12-23
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

On Friday XX/XX/XXXX I received a call from my ex wife stating she had recurved a call from a legal representative stating that a Court case has been filed against me. My mother also received the call. They were told to pass along a callback number to me to discuss the court case. 

I called the number back and I was informed thats I owed a {$500.00} debt from a pay day load. I told them what I could pay on it but the woman insisted that the case has already been filed and its not about the money at this point she also stated that After court is settled I will end up owing over {$1500.00} dollars ( do not remember the exact amount ). ( Deceiving amout owed ). 

She went further by saying I have committed fraud and will be charged accordingly in the court case ( threatening criminal action ) She then put me on hold and said they would be willing to put the court case on hold if I would agree to their payment plan. I agreed. I also asked them to not contact anyone of my friends, relatives, or job since they now have my updated contact info. Turns out they had my correct contact info Well before this matter. When I asked them why they contacted my ex wife they told me it wasnt them that contacted her. It was actually XXXX county courts trying to locate me ( impersonation of a government official ) The following week one of my payments didnt go through because my check had not yet been deposited for the day. They called my ex wife again. When she tired to file a dispute with them allegedly hung up on her. When I called them back I told them that I will not deal with their harassing calls. I also Informed them that I am in the middle of filing bankruptcy. The representative told me my babkruptcy will not cover a previous debt ( deception ). They also said they will notify the courts to move forward with the case. 

To say the least they have used threats of fraud, impersonated a government official, lied, and harassed my family after I specifically asked them not to. I would like to settle this matter but not with a company who uses deceiving, unlawful, and unethical business practices.
Consumer complaint received 2022-08-24
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX SERVICES XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX