davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. 
Ms. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. 
The email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, " Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX  and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX  XXXX  or XXXX  XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV INC. (NV)

On XXXX, I issued a check to XXXX XXXXXXXX XXXX XXXX XXXX XXXX for auto body work. My wife and I left with the car only to be called back by XXXX for a " problem '' with the check. The check was " not accepted '' due to a report from an outfit called TeleCheck. My wife immediately paid with her debit card on the same account that the check was issued.

I called TeleCheck to find out why they were behind the declination only to be asked a series of personal and probing questions before they would answer my question. I refused to give them the info based on advice by the government not to give out such personal info over the phone due to frauds and scams. On XXXX, I went to TeleCheck 's website and, as instructed, filled out a form to find out what the problem was. After submitting the requested info all I got back was a " thank you '' response. 
The declination issued was defamatory and caused us undue embarassment with a local business. There was nothing wrong with the check or our account which had more than enough funds to cover the bill.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. ()

I am in the XXXX and I set up cash app for donations to pay pay lawyer fees, our limit in the XXXX is a lot less than XXXX we only have a cashap limit of XXXX which wasnt enough so I set up 4 accounts in total. I have money on each account and cashap has closed all 4 accounts and are holding my money which is causing great stress as we need to pay the lawyer asap. They are refusing to help me and wont speak to me because Im in the XXXX. Iv called them many times, emailed and messaged them countless times on the app support but they refuse to tell me why my accounts are closed and when they will release my money. Its now been 3 weeks and they will not tell me anything. I contacted the XXXX who tried to help but they told them the case is now closed and I have to speak to XXXX staff. There is no XXXX staff we do t have cash app offices in the XXXX. I feel they are trying to keep my money and will not talk to me because Im in the XXXX.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Syncapay, Inc (TX)

XX/XX/2022 : I received a {$25.00} virtual XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and registered it to my prepaiddigitalsolutions.com account. At that time, the {$25.00} XXXXXXXX ( ending in XXXX ) was visible in my account. [ See XXXX XXXX email files ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com about identity verification that purported to be in response to a request from me. I made no such request. I logged into my prepaiddigitalsolutions.com account, and the {$25.00} XXXX was no longer visible in my account. I had not yet used the card for any purchases. [ See XXXX email file ] XX/XX/2022 : I called the customer service number ( XXXX ) to inquire. They told me that they were investigating some kind of fraud alert and that the investigation should be concluded XXXX business days, after which access to my VGC would be restored. 

XX/XX/2022 : After 12 business days, I still did not have access to the {$25.00} XXXX, so I contacted prepaiddigitalsolutions.com by email through their web site to request a status update. In return, I received a message saying that a customer support member would respond in 2 business days. [ See XXXX email file ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com asking me to either call customer service or reply by email to provide more detail. [ See first XXXX email file ] XX/XX/2022 : I also received a second email saying that they would contact me within 5 days if they needed more information. [ See second XXXX email file ] XX/XX/2022 : I received an email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). I provided these documents to prepaiddigitalsolutions.com through the upload link in their email. [ See XXXX email file ] XX/XX/2022 : I received another email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). Again, I provided these documents through the upload link in their email. [ See XXXX email file ] Since that time, they have not restored access to my {$25.00} VGC. I have not been able to use the card for any purchases, so the balance should still be {$25.00}. I have attempted to use it for a purchase multiple times and been declined each time.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

My mortgage is being transferred from XXXX XXXX to RoundPoint Mortgage Servicing Corporation and I have not received notification or instruction from RoundPoint Mortgage Servicing Corporation. I am filing a complaint and requesting assistance because RoundPoint Mortgage Servicing Corporation the effective transfer date is XX/XX/2023. 

I am requesting that RoundPoint Mortgage Servicing Corporation provide notification and instruction concerning my mortgage transfer.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (IN)

I am appalled by the ability of the Credit Bureaus to continue reporting the disputed accounts without proper verification! I have been disputing these accounts on my Credit Report for quite a long time now by submitting dispute letters addressed to Experian and XXXX Credit Bureaus and informing them that I was a victim of identity theft. But despite all my efforts attempting to correct my Credit report, the Credit Bureaus have been doing nothing! I have read enough to understand my rights under the FCRA section 605b which is clearly being violated by the Experian and XXXX Credit Bureaus. Let me remind the Credit Bureaus of their obligation to comply with the FCRA statute. The following accounts resulted due to identity theft and therefore. I have also been asking for documentation bearing my signature to support the Credit Bureaus claims that the accounts I am disputing were mine but they have failed to deliver. I need the following accounts removed at the earliest possible time : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened:XXXX  Balance : {$15000.00} 2. XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have disputed this collection account with Portfolio Recovery IAO {$1400.00}. Since it reappeared on my credit report on XXXX of XXXX. The original debt was fraudulently opened with XXXX XXXX was reported immediately to the XXXX XXXX Police debt and later removed from my credit reports with other fraudulent accounts. 

The account is now sold to a new collection agency which is trying to collect for XXXX XXXX. I have made several disputes to XXXX and portfolio recovery and on XX/XX/XXXX I received a notification through my dispute with XXXX and XXXX that the tradeline was removed. When I noticed that it was still reflecting on my credit reports I continued to report the debt and on XX/XX/XXXX I was advised again that the tradeline was deleted and her we are in XXXX and the account is still reflecting on all 3 bureau 's. 

Per CFPB guidelines if an account is disputed and credit agrees to remove. It should be permanently removed as advised and not continued to be sold to new agencies to collect old fraudulent debt. I am requesting that this matter be reviewed and that the tradeline be removed immediately as it's impacting my credit score.
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

On XX/XX/2021, I went to the emergency room at XXXX XXXX, 100 % of the bill was covered by my insurance company, XXXX XXXX XXXX XXXX, including all imaging and all department involved in the emeregency. But Grant and Weber send me a notice of collection from XXXX XXXX XXXX for the amount of {$380.00}. 

I disputed the amount before XX/XX/XXXX by sending an email to Grant and Weber as I was indicated, I expressed that all expenses from XX/XX/XXXX were covered by my insurance. so they should have stopped collection or any amount I disputed until they send my information that shows I own the debt, which they NEVER did. 

I called XXXX XXXX and they told me that I owned nothing. ( see attachments ). and my balance is {$0.00} as all the bill was picked by my insurance company and paid in full. 

Regardless Grant and Weber reported to the credit bureaus and every month they charge interest. And they are reporting to bureaus as missing payments every month instead of a collection. So my credit is dramatically hurt every month.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I've tried multiple times to contact Experian to delete multiple names/variations from my account, and either they have denied or made false promises. The first attempt was over the phone, and I was denied. The second attempt was through letter ( which included my Identification card and bank statement ). They denied my request and said it was someone speaking on my behalf. The third time I called them to confirm it was me wishing to change my personal information, and they agreed to remove it. They showed me they removed it, but did not. 
I believe they also have multiple names on my record that I'm not able to see.I received a credit report to someone of a different name/possible strange spelling to my residence. 

I have tried multiple times to remove this information in a kind manner, but the information is now damaging. I also has a debt collector coming after me under XXXX of the false names ( XXXX XXXX XXXX ''. When they removed XXXX name, the debt collector changed the name to " XXXX XXXX '' and sent it to my residence. 

Please, help me get these names off my credit report. I only go by the name XXXX XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Dear CFPB, I am writing to formally request your assistance regarding my ongoing issues with Portfolio Recovery. Despite multiple attempts to obtain a contractual agreement, I have never conducted any business with them. I have reached out four times, but they have failed to provide the requested documentation. 

Additionally, Portfolio Recovery is listed on all of my credit reports, despite my disputes with XXXX, XXXX, and XXXX. These collections remain unresolved on my reports. 

Most recently, I received a letter from Portfolio Recovery stating they will no longer respond to my requests. I believe this is an unfair practice, and I would appreciate your intervention in this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2021-04-09
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: Affirm Holdings, Inc (MS)

Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is Affirm. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Any transactions I would make the amount would not be taken but it would show on my ledger then Im thinking its being deducted and it wasnt so I was in the negative all the time. I would just like my over draft fee be put back into my account from when I opened my account. When I would call and state my concerns they would say for me to manage my funds better and ask if theirs anything else I need help with.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I am a victim of identity theft. I did not make or approve these transactions reported by Midland Credit Management. I don't know how my information such as, my social security number, address and ID was obtained while I'm in possession of my information. I suspect it was someone close to me obtained my information and used it fraudulently. I have a lot of accounts on my credit, but the transaction reported by Midland Credit Management are unauthorized, and this whole situation is ruining my credit and disrupting my life greatly. Please help me take care of this problem immediately. Thank you
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (WI)

XX/XX/2024 XXXX Affairs deposited my XXXX into my account, {$4500.00} the following days money lion took over {$1400.00} From a cash advance that wasnt scheduled till the end of the month, and another XXXX $ in pending transactions were allowed to withdraw out of my account. On Monday, the first I contacted them spoke with a representative and opened a complaint in dispute, then gets continued to come out of my account. I reached out to them again, this time, repeating the actions and no resolution. 
I have contacted them multiple times, to try to resolve this, with no resolution I am XXXX XXXX XXXX veteran. I only have this amount of money to live on for the entire month. I have XXXX kids that I have to provide food for including myself, there is no money left in my account. They told me I could take up to XXXX  days. Thank you for your time as somebody with cognitive processing issues it is very XXXX  continually getting routed to low level intake, personnel that have no power to assist the customer. This is causing extreme XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CA)

I have a TD Bank business account which I opened when I lived in XXXX. I recently moved to XXXX  with the intention of keeping my business and my business account open but since then, circumstances have changed and I have been forced to close my business and therefore no longer require the account. I have asked TD how I can close my account even though I live outside of their service area and their only response has been to go to a local branch. I find this to be an untenable solution when personal account holders have the option of sending a notarized letter or requesting the account closure through their secure messaging system. At this point, in order to avoid paying the monthly maintenance fee, I will be forced to maintain a minimum of {$1500.00} in the account. This will go on until I am able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to make an unnecessary trip to XXXX  and close the account in person.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.