davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SQUARETWO FINANCIAL CORPORATION (IN)

Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.
Consumer complaint received 2018-07-21
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: JPMORGAN CHASE & CO. (MI)

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX    XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. CHASE CARD View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Consumer complaint received 2016-10-01
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (PA)

SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.
Consumer complaint received 2018-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc (CA)

Earlier this year, I had some old student loan debt sold to a company called Unisa Inc. Www.unisainc.com.  I have had consistent problems with them processing my automatic payments to a consistent schedule. They claim it is impossible to predict when my payment will be deducted from my bank account. It is a considerable amount of money, so it is very important to me to know when I will be debited. I have talked to them in person, but they say can not be resolved. 

On XX/XX/2018, I was debited my full amount and then on XX/XX/XXXX I was debited the full amount again. My payment is only supposed to be paid once a month. I called their customer service on XX/XX/XXXX as their website had no record of the second payment being authorized. I was accused of authorizing the payment on my own, which I did not do. The person I talked to said he could see the payments in his system. He did apologize and told me they would count the second payment towards XX/XX/XXXX and not debit me again until XX/XX/XXXX. I agreed. Again, no date was given when payments would be processed when I asked. 

Today on XX/XX/XXXX, I was debited for my usual XX/XX/XXXX payment. As of today, there is no record on their website showing this payment. Only in my online banking. 

Another consistent problem is Unisa never displays the correct amount of my automatic debits. I have three loans with them which are debited from my bank account as a lump sum. Their system only shows one loan amount as being debited, not the full amount of the lump sum. Each of the three loans are different amounts and it appears to be random which amount will be shown in their online account history. I complained during my phone call with them on XX/XX/XXXX, but was told the customer service rep could see the proper amounts being debited from my account and offered no reason why the online system does not display the full amounts. He just told me not to worry about it. I do not know if Unisa has been calculating my payments properly against my loan as their system does not display the correct information. I do not trust them, but can not afford to pay my balance outright. 

I have also tried to add Unisa to my home accounting software and it never shows up as being a legitimate business. This has never happened to me before across several loan companies. I am very worried about them.
Consumer complaint received 2016-10-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Renton Collections Inc. (WA)

I have multiple complaints and issues related to this company. First, the company is attempting to collect a medical debt, a portion of which I have paid off in XXXX 2016, and the remaining portion I have made arrangements to pay the original creditor directly. The company repeatedly contacts myself and third parties with no involvement in my debt with the intent to harass myself and others. The company has ignored a letter submitted with a receipt demonstrating that I paid a debt, and is still attempting to collect the debt. The debt collector has repeatedly made phone calls to my boyfriend, refusing to identify themselves when asked, as well as also making threatening phone calls to the home of my boyfriend 's elderly mother. I am a single adult and the company 's attempts to harass these XXXX people are improper as neither has any involvement with my debt. The company has refused to respond to my written documentation and has refused to use proper procedure while attempting to resolve this debt. The debt collector has also given me false information repeatedly, stating they would negotiate for a portion of the debt to be paid, only to transfer me to a " manager '' who reneged on this promise and used abusive language. The " manager '' who would not give his name over the phone used abusive language toward my boyfriend and made cutting remarks about our XXXX ( the source of my debt ) and currently makes numerous hang up calls to myself, my boyfriend, and his mother. We need assistance from an outside organization to get the contact to stop.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I requested income directed reduced payment forms, I completed the application online, they said they never received it, I asked for a paper form completed the form and returned the form, now they are saying it was not completed so, I asked to be sent the form again, it was emailed to me, I tried opening the form it only opened a summary page. I need to complete this process because I am now retired and have only social security as my income base.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MI)

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A  USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

This account is not mine. On top of that the account is over XXXX years old. I had this taken off before because the account was not mine and some how that was proven before. How could this even reappear after all of these years?
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, we refinanced our mortgage and paid off our Wells Fargo mortgage. Also, the property taxes, in the amount of {$4300.00} was paid in full. When my wife and I returned home there was a mortgage statement, which indicated that another payment in the amount of {$2400.00} had been taken out as an automatic draft ( that had already been paid with the refi ) and Wells Fargo had taken out property taxes from escrow. 
I called WF 2 weeks ago to ask when we would receive our escrow and extra payment refund, and they indicated by XX/XX/XXXX. Since today is XX/XX/XXXX, I called today to see why we haven't received it. They indicated that it was mailed XX/XX/XXXX and it would take 7-10 business days to arrive. The amount was {$2400.00}. That seems low, but I didn't give the rep a chance to explain. 
In addition, I found that XXXX XXXX received the taxes from WF AFTER the refi,  and that they would be refunding that to WF in the next 30 days. Based on the escrow payment, we should receive our refund of taxes in XX/XX/XXXX, two months after the refi. 
It is apparent that Wells Fargo is taking advantage of the float as long as possible.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

i am a ocwen customer, but i never reeived any information about the lawsuit on the mortgage company place insurance, i believe but am not sure that i filed a claim in the XXXX suit, but have received no response. I am being threaten with forclosure, i filed a loan modification and it was denied, what can i do?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and i still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 30 days so those items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation due to the stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-03-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

I am the personal representative of my mother 's estate. After she passed, my brother decided to move into her home ( ie make it his primary residence ) and take over the mortgage payments. From my understanding of the XXXX XXXX XXXX XXXX XXXX of 1982, my brother, who meets all of the definitions of a an immediate family member, and meets the primary residence requirement, is able to take over the loan without qualifying, refinancing, or changing the name on the deed from our mother 's name to his name. 

However, I continue to get harassing phone calls from the Ocwen servicers asking for me to change the loan over to my brother. I have provided updated contact information, and my brother has been up-to-date on all mortgage payments. I would like the phone calls to me, especially during work hours to stop.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I d

id a wire transfer of {$8400.00} on XX/XX/XXXX to my Coinbase account. It has still not shown up to my account .... I contacted my bank which is XXXX XXXX XXXX to confirm the wire transfer went through that same day I submitted it. I contacted their bank XXXX XXXX and they received it that same day and posted it to Coinbase that same day. They told me now it 's just on Coinbase end to post it onto my account however there is still no money in my account .... Their website states it normally takes 2-3 business days for wire transfer. Today is now XX/XX/XXXX. I 've tried contacting them numerous times and never got a live person or a response until yesterday on XX/XX/XXXX when I spoke to a manager who could not give me any info besides they 're escalating it to a specialist. After speaking with him I started doing research and discovered there are tons of people that are going through the same problem that I am and have not gotten it resolved it months.

Here is a link for proof : XXXX XXXX XXXX/ I started a service request with my bank to get my wire transfer back on XX/XX/XXXX. My bank said they 're now waiting on Coinbase 's bank XXXX XXXX to send me my money back ... still nowhere to be found. I contacted Metropolitan bank and they said they 're waiting on Coinbase however still have not heard back from them. I am worried about them even sending my wire transfer back because many people complained about how their money never showed up after they told them it has been sent back ... This was meant to be an investment however it has set me back by XXXX of my hard earned money and now I 'm on the verge of being homeless because of this. Please help!!! My bank XXXX is telling me they cant do anything, XXXX XXXX is telling me they cant do anything, Coinbase support is not existence. Please help me get my money back. Thank you,
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

I disputed this account with this company I inform them to send me debt validation, upon receiving the requested paperwork I noticed a address that was used to open this account I have never been associated with or have I ever lived at the address or even the state of Louisiana.I havent got any resolution On this matter even after filing a report for identity theft and placing a 7 year fraud alert on my credit files.
Consumer complaint received 2018-12-14
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. (TN)

On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

My navy federal credit union someone did unauthorized transactions on my account on XX/XX/XXXX I havent used that account in a while and the only way that I found out was because they emptied my moms account because hers is connected to mine.
Consumer complaint received 2018-01-06
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: CITIBANK, N.A. (IN)

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX