davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (SC)

I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AK)

Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in.

We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices.

I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX, I initiated a domestic wire transfer from my personal checking account at XXXX XXXX  to the bank of Coinbase, XXXX XXXX XXXX. Coinbase 's publicly published policy for wired funds is to have it credited within 1-2 business days. 

On XX/XX/XXXX, after checking my Coinbase account and the money was not credited to my account I opened a support case with them through their online support platform. I did not hear back from XXXX until I called their support number on XX/XX/XXXX, waited on hold for almost 2 hours, only to be told my case was escalated to a " wiring specialist ''. On XX/XX/XXXX there was an update posted to my case by the support rep I spoke to on the phone, but since then there has been absolutely no response from their support team nor has the {$5700.00} USD been credited to my account. 

On XX/XX/XXXX, I called their bank, XXXX XXXX XXXX, spoke to someone in their wiring department, and this individual confirmed to me over the phone the funds were received and had been credited to Coinbase 's " general '' account and it was now up to Coinbase to credit my account. 

On an almost daily basis since XX/XX/XXXX, I have requested an update in my support case but no one has responded. 

On XX/XX/XXXX, I visited Coinbase 's bank branch in XXXX XXXX  XXXX. During this visit a representative confirmed to me again that they, XXXX XXXX XXXX, had received the wired funds and had credited the funds to Coinbase 's general account but again that it was up to Coinbase to credit my account. 

As of today, XX/XX/XXXX, 41 days after having sent my wire transfer the funds are still not available to me and there is absolutely no communication from Coinbase on the matter.
Consumer complaint received 2020-03-14
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. (FL)

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MN)

I checked my credit and XX/XX/2018 and show was a collections under Transworld System INC XXXX, I never get any notification from this debt ever, I called and they claim account was for XXXX XXXX   a bill I never know I owe, a contract claim an expense, I immediately paid explain since I never get any notification they offer remove from my credit, but still show. I mailed a letter requesting a remove but never answered
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (CO)

Key Bank has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from Key Bank which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
Consumer complaint received 2018-09-04
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. (CA)

XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.
Consumer complaint received 2018-09-04
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

I hold Power of Attorney for my father ( mother deceased ) who is XXXX  years-old and has recently relocated to a XXXX XXXX XXXX ( XXXX ). I am trying to short sale the home with no profit to be gained and in order to get out from under the XXXX XXXX reverse mortgage loan. They wanted me to sign the house over and agree to incur various financial risks for up to eight months that it might take them to finalize the paperwork. This is not my loan and I would not sign anything having to do with the loan. I am filing a complaint and requesting you evaluate their shady business practices, both XXXX XXXX and XXXX. 

XXXX XXXX : 1. Failure to produce mortgage terms and conditions. 
2. Suspected exploitation upon the elderly.

3. Question of whether this company has an appropriate assignment of mortgage.

4. Possible unlicensed practice to conduct mortgage business in California. 

XXXX XXXX and XXXX : 1. XXXX is now claiming that they can not talk with our Real Estate agent concerning the short-sale because they need a physician 's statement that my father was competent when he signed the POA in XX/XX/1995. Given that she entered into the Reverse Mortgage and they had a responsibility to ensure he was competent when he signed the agreement, why do they question is competency prior to that time? I believe they are trying to foreclose, so that they can collect further monies.

2. Each time I call, the representative has little information, there is no one to talk with, they must communicate with the POA section or their supervisor and then get back to us. There is no knowledgeable person who can discuss the facts and provide information. 

Please evaluate that my parents did a reverse mortgage without my knowledge and when they had less than {$40000.00}. remaining on the loan and now they loan is XXXX. What is wrong with this picture? I don't believe that they have evidence of a third-party counselor who discussed the reverse mortgage with my parents at the time they entered into the agreement, and stole the house with underhanded practices.

Currently, XXXX is holding up the short-sale for the physicians statement when we've provided them with a physician XXXX   documents discussing his current competency.
Consumer complaint received 2018-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC (CA)

I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. 

When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.
Consumer complaint received 2018-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Around XXXX of XXXX a home equity loan was taken out in my name by my now ex-wife for her business. I became aware of the loan in XXXX when the loan should have been paid off but was in default. I received a call from USAA stating that the loan was in default and I needed to make payment arrangements. I told my ( then ) wife about it and she said that she told me about it ( which she didn't, she told me of another loan taken out for the same amount through XXXX XXXX ). She was able to set up payments. Fast forward to XXXX ( we divorced in XXXX ), I went to the courthouse to file paperwork and it was suggested that I check to see if there was any information on my home. I uncovered falsified documents, signatures ( notarized ), and information regarding the loan. I have contacted USAA several times over the past few years and since then my ex wife stopped paying on the loan. I have been paying the loan myself to keep my name clear with USAA but they have done nothing to date. I have evidence that completely puts USAA at fault for somehow letting this loan go through.
Consumer complaint received 2018-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with Transunion and they did not remove the account.
Consumer complaint received 2018-09-05
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: Innovis (GA)

I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  and innovis requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.
Consumer complaint received 2018-01-29
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: Choice Recovery, Inc. (WA)

Choice Recovery Inc is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with XXXX and they did not remove the account.
Consumer complaint received 2018-01-29
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: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/2014 Santander Consumer USA reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and Santander failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MO)

I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me. 

I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ). 

Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX? 

Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues. 

Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account. 

These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.
Consumer complaint received 2018-01-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.
Consumer complaint received 2018-01-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-29
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: STERLING JEWELERS, INC. (IN)

On XX/XX/XXXX a joint account at XXXX XXXX 30 days Late. Accounts have always been paid on time, however I received NO notice, Never even received statement balances on that account. Upon finding out I paid the XXXX balance off IMMEDIATELY. I called creditor and they said they would close out the card but refused to take it off my credit. Giving me the run around saying I would need to call the bureaus. Upon calling them, an investigation was made, but it was informed it would not be removed. 


Also on XX/XX/XXXX XXXX XXXX, a XXXX company charged me with being 120 Late on a XXXX dollar payment. These statements were paperless, but again i never received any documentation via email that i was late. What occurred was a simple checking account mishap. I had paid out of an old checking account I had on file. Once realized, I paid the XXXX dollar transaction ( because of late and ach penalty fees ) and requested it be removed. They refused and XX/XX/XXXX Sided with them.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (TX)

I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX   account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.