davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KS)

Dear CFPB, First of all I'm incredibly grateful for your existence. Consumers do need protection from predatory lending corporations and corrupt banking institution 's with inflated interest rates that are impossible to pay. 

Realistically the average college graduate does not earn the amount that Navient, XXXX XXXX and other fraudulent lenders are billing them. Even upon negotiating the monthly amount, the interest rate incurs a debt that is greater than the amount lent to the individual. I'm sure you are familiar with these institutions and their predatory lending practices. 

After discovering this for myself I applied for various forbearance, deferment, and debt forgiveness programs. Unsuccessfully, for the past 10 months I have been recieving daily computer automated calls from Navient and XXXX XXXX XXXX or more times and each time they leave a message leaving a generic name and call center number. 

Is there any way I can sue these companies for calling me so incessentaly for the emotional strain it's causing me? I'm aware that there is a automation making the calls but there's a person on the other end. 

Finally, I'd like inquire for the investigation of the demographic whom these loans are targeting, in actuarial terms the lending institutions have access to the database of statistics predicting the defaulting of the debtors on their loans. Firstly the inability of the demographic to attend colleges or universities without the loans, and they repayment structure is built on the fact that the majority of graduates or non graduates can not pay the full balance immediately or within a time frame that the loan does not accrue an inflated interest rate that values the loan higher than the actual tuition costs. 

Thank you for your time.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (AL)

My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount.

Balance {$10000.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MJ Altman Companies, Inc. (FL)

On XXXX XXXX, I sent a letter to MJ Altman Companies to validate a debt they claim I owe. I have never had an account with them, so I asked for the original business transaction per section 609 ( e ) in the  Fair Credit Reporting Act. 

They decided to send me a statement that I could have written up myself on XXXX XXXX, showing what is supposed to be some type of statement. 

They did not provide me with any document which shows proof that the debt belongs to me, which is theirs to prove. 

Not only that, they are attempting to collect a debt that is outside of my statute of limitation, per Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations which specifically states that there is a 5 year limitation of any legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23. 

this company has violated their legal obligation under the Fair Credit Reporting act, as well as the Florida Statute of Limitation and they should be held accountable for this violation. 

I am well within my rights to pursue legal action against this company.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

XXXX, XXXX on the XX/XX/XXXX Hello, It 's been weeks that I would like to log in to my account at : https : //support.coinbase.com I received a response on XX/XX/XXXX and answered XX/XX/XXXX to the question asked may then nothing not answer always a machine that responds no e-mail address! no phone number! ( Anyway I do not speak English! ) I would like to sell my Bitcoins and get my MONEY back. 
Thank you for your help I created an account on XX/XX/XXXX for the amount of XXXX EUR on the website : https : //www.coinbase.com I was in XXXX but I do not live there, I travel by bike around the world may have a tax address in XXXX my country, The XXXX I have unfortunately broken my XXXX XXXX is also my XXXX XXXX of the company XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX. 
Then I could no longer tank the XXXX to connect! 
The procedure to register my new number here in XXXX : XXXX XXXX XXXX. 
DO NOT WALK he writes : '' The phone number is invalid '' I requested the reset of my account Here help me recovered my Bitcoins my money!!! 

( This and a translation of XXXX XXXX )
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX account difference ) Derogatory Marks : XXXX vs XXXX ( XXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Consumer complaint received 2018-01-04
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: Bread Financial Holdings, Inc. (NY)

I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.
Consumer complaint received 2018-01-04
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. (TX)

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.
Consumer complaint received 2018-08-25
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. (TX)

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

On XXXX XXXX, XXXX, I mailed a validation letter to XXXX XXXX XXXX for the debt for {$310.00} they are reporting on my file. USPS Tracking : XXXX XXXX XXXX XXXX XXXX ). 

It has been more than 45 days since they 've received the document now and I still have n't received any validation of the debt from them. I communicated with XXXX and they advised me to contact The Collections Agency, which I did, however no response.

This company has violated the Fair Credit Reporting Act and I have will pursue legal remedies if the item is n't removed from my credit report. They never updated the credit bureaus with the item being in dispute, neither did they respond to me. 

This company needs to be held accountable for their lack of compliance with the Fair Credit Reporting Act.
Consumer complaint received 2018-01-04
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: Nicholas Financial Inc. (FL)

On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
Consumer complaint received 2018-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

Three years ago I received assistance to pay my mortgage for 2yrs. This should have ended XX/XX/XXXX. My mortgage company stated I was behind because I didn't pay XX/XX/XXXX. I determined that the last few months or so of the assistance the mortgage company Ditech increased my mortgage. I was unemployed and fell behintd on my mortgage. I asked for a modification and qualified. In XX/XX/XXXX I received loan modification paperwork from Ditech. I was able to make my 3 lowered monthly payments on time and qualified for the  modification. I completed the paperwork and sent it back to them. I never heard anything from them. This concerned me. I attempted to call them to speak on the matter. I was continuously transferred to different people and voicemails. XX/XX/XXXX I received a notice that they were going to foreclose on the home. I called and after being transferred 3 times I spoke with a young lady who was able to assist me. She stated that my modification paperwork was incorrect that my notary signed in two places. No one called or sent documentation to inform me of this mishap. I was unable to make a payment because I was not sure how much to send. The young lady sent a second set of papers I completed them and mailed them back. The young lady stated the amount I should make my future payments for. She stated that Ditech was at fault by not contacting me to advise of the incorrect paperwork. I called XX/XX/XXXX a month after sending the documents back and spoke with XXXX. I received another foreclosure letter. She asked why it took 3 months to send the modification paperwork back. I advised her to review the notation. She apologized and said that Ditech was working on the issue and was waiting for XXXX to agree to the terms. That XXXX was backed up and they could not proceed forward without them. She also advised me to disregard any foreclosure documents sent because it will take a minimum of a month to process the modification. On XX/XX/XXXXI received another foreclosure notice. I called and could not get anyone until XX/XX/XXXX. I spoke with XXXX who stated I should review XXXX hosted by XXXX XXXX. I advised that I wanted to speak to someone about loss mitigation. I had a representative named XXXX. At this point I do not know where I stand. I am unclear if they are going to attempt to foreclose on the house. The initial loan modification didn't occur due to their negligence. I feel they want my home and a purposely not assisting to ensure they have the property. They hard to reach, uncooperative, elusive, and do not return calls or voicemails. I truly feel that others must be experiencing the same issues with Ditech Home Loans.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

I received another statement from Paypal yesterday, XX/XX/XXXX claiming that I now owe them {$33.00} from a previously paid {$26.00} which was recently paid this past XXXX! In a recent call to them, they claimed that all I owed was {$26.00} and that this was the end of making payments after that. Looks like they lied to me again because of this latest scam! I am fed up with these people and their games!