davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (GA)

XXXX accordance with the Fair Credit Reporting Act XXXX Account 's has VIOLATED my rights. THEY WILL BE LISTED BELOW APPLIED BANK - Account Number : XXXX XXXX XXXXXXXX XXXX- Account Number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXXXXXX XXXX -Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number XXXX 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 also states a consumer Reporting Agency can not FURNISH a ccount without my written instructions
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC. (CA)

LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?
Consumer complaint received 2022-09-06
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. (NV)

On XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything inaccurate
Consumer complaint received 2022-10-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BROKER SOLUTIONS, INC. (GA)

New American has violated a Cease and Desist by continuing to try to collect a debt not owed. I was informed this is mail fraud. Please hold them accountable. ( Exhibit E ) Cease and Desist sent on XX/XX/XXXX New American Violated on XX/XX/XXXX
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.
Consumer complaint received 2019-12-01
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. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (DE)

In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Consumer complaint received 2019-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

Citi bank has made two grave financial errors on my account the first being them providing too much credit for a dispute and the second allowing the account to be overdrawn causes 4 overdrafts and related fees
Consumer complaint received 2022-09-06
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. (TX)

Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc. (TN)

Ever since I tried making the last payment in XXXX or XXXX I have been trying to contact Zip to discuss why I could not access the website or app so I could make a payment at least 10 times. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 4 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. Now my account is a month overdue and I am sure they are not gon na have a single problem with freezing and/or canceling my account where I can no longer use their services even though this is out of my hands.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I deposited a XXXX XXXX money order for {$30.00}. However the money was returned and Unpaid and -Code paper XXXX I was was additionally charged {$12.00} check return fee totalling {$42.00} in money that I an unable to recoup as a result of Wells Fargo Fraudulent business practices. 

Furthermore, customer service advised that the money order would be return, however as of today 's date that has yet to occur. Due to the fraudulent business practices of Well Fargo and stealing money they did not legally obtain, this would equate to theft of {$42.00} of my hard earned money.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX, I rented a vehicle from XXXX  XXXX  XXXX  in XXXX, CA. I PAID FOR THE rental in advance with my XXXX XXXX XXXX XXXX XXXX XXXX and was charged {$86.00} for the daily rental. when i arrived to pick up the vehicle they asked my for a credit card for the {$200.00} deposit at which i presented my capital one card for that. when i dropped the vehicle off i took pictured of how clean the vehicle was. XXXX has negligently been charging my credit card that only has a {$200.00} limit days and days after the rental, the first few time XXXX somehting in which capital one asked me about and I said i was not aware this. I eventually was charged XXXX i guess the vehicle i rented was out for repossession? anyways i disputed the charge and Capital one said they could nothing about this.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (MO)

BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX we received an email from what we believed to be a contractor, giving bank information for a wire of $ XXXX. We initiated the wire Chase Bank, sent the transaction number to our contractor, who said they were the wrong credentials. Within 10mins of the wire being initiated we called, emailed and secure messages Chase to STOP or Recall the wire. 10 mins later we got an email saying the wire was being processed, we again called the bank, sent secure messages as they requested. They did nothing. the money was deposited into the fraudsters account at Chase bank GA _ The company name was XXXX. XXXX XXXX XXXX. 

We have called. emailed. not just our branch but also the GA branch, who told us the money was XXXX out of the account within minutes f it clearing, and this was not the first time. 

We sent a private investigator to the registered address of XXXX and the person tere was not a XXXX XXXX and he had never heard of him. The bank are telling us that they have contacted XXXX XXXX at the address we looked at and untill he returns the money we are $ XXXX out of pocket. 

We believe the bank are complicit in this fraud, they obviously did not do due diligence in this man when he opened his account earlier this year, also they did not attempt to stop payment when requested. and know tell us its our fault.
Consumer complaint received 2017-08-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/2022 from Mr. Cooper, XXXX XXXX, Negotiator I wanted to let you know the Appraisal as of XX/XX/2022 is $ XXXX. I see the current offer is around XXXX likely will not be accepted by the investor, is the buyer willing to increase their offer? Thank you. 

This is the same issue my previous Servicer, XXXX XXXX XXXX ( loan # XXXX ) attempted requesting {$250000.00} minimum purchase price which I argued not in view of the ( XX/XX/2022 ) {$110000.00} Appraised Value ( see attachment ) you also received when my loan documents was transferred to you. I was notified of this transferred event XXXXXXXX XXXX. You then requested your Field Inspector, XXXX XXXX ( XXXX ) to do a internal & external inspection which was completed on XX/XX/2022, XXXX. XXXX XXXX also stated he was only to take pictures with no valuations, comparables, etc. which made no sense to my realtor, XXXX XXXX, XXXX XXXX XXXX Properties ( mobile XXXX ) nor to me. This is obvious a second attempt of CONSPIRACY to defraud me dating back to ( XX/XX/2022 ) compelled me to file this Compliant if not resolved I will escalate of all Parties involved : XXXX XXXX XXXX, Mr. Cooper, RighPath Servicing, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX including XXXX, XXXX, XXXX to : 1. Maryland Attorney Generals Office 2. XXXX XXXX XXXX XXXX told me I need to submit a Privacy Act Form before they can pursue my Case, 3. Investigation Teams : XXXX 4, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  My attorney ( to be determined ) 5. Donald Trump, would to sink his teeth into this XXXX XXXX  XXXX woman being taken advantage of by ( 3 ) Bank/Loan Servicing Companies .
Consumer complaint received 2022-11-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (OH)

I applied for a VA XXXX loan with New day USA. In thier process they locked in with the VA appraisal system without notification my authorization, knowledge or preventing other mortgage lenders to order an appraisal through the VA creating red tape. I have applied with XXXX other Va mortgage providers, to the extent I did with new day, without locking into the VA appraisal system. One which tried to order the appraisal with my authorization but was unable to do so because of the unauthorized action from new day USA. Which causes a delay in appraisal of my home. I do think that new day process intentionally does this to others that applies to numerous mortgage providers to find the best rates, and the only way to do so is applying the same manner as new day, which takes it a step further to get involved with the Va process only when an application is submitted and nothing more for their own purposes. This delays veterans mortgage processes when finding a company that offers a better rate and actually want to process a VA home mortgage.
Consumer complaint received 2019-12-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I submitted an application for loan forgiveness to XXXX on XX/XX/2022. I received notification from XXXX that I had made 120 Qualifying payments on XXXX/XXXX/2022. I have not received my loan forgiveness letter and now I am stuck between XXXX and MOHELA. XXXX says my loans have been transferred, but why because I was eligible to be forgiven? MOHELA says they don't have my information yet. I know many loan borrowers are in my same situation -- we have made 120 qualifying payments and are now stuck in XXXXMOHELA transfer purgatory with no end in sight. There has got to be a better way to deal with those of us in this situation. And even though XXXX and MOHELA both say that FSA makes the final decision about forgiveness, when I call FSA they say they can't see any of my information. Many of us have been working over 10 years trying to get the 120 payments and now that we have them, we are told to wait. This is very frustrating and disheartening. It is really impossible to move on with our lives until our loans are forgiveness. These are real people facing real hardships. Please help.
Consumer complaint received 2022-09-06
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX