davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. 
I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. 

I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. 

I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. 

I sent another letter on XXXX XXXX, XXXX stating that This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. 

XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.
Consumer complaint received 2018-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

Navient has been contact me stating that I am past due on payments. I have been enrolled in school for the last two years. In XXXX I spoke with a representative on the phone and they did a deferment, without paperwork. However, this past fall ( XXXX ) I started receiving phone calls and notifications that I was past due on payments. I called again and explained that I was still in school. They stated they looked through the " XXXX XXXX XXXX XXXX '' database but that my SSN must be wrong. I 've spoken to two different agents on the phone about this and to one via chat ( I have screen shots ). All have said there is an issue with my SSN. They seem to jump to this answer very quickly. I have reviewed my information with the school and my SSN is accurate. I contacted XXXX XXXX XXXX and confirmed that my school submitted their enrollment/attendance information on XX/XX/XXXX. I asked the first associate I spoke with last week where I needed to send my documents if I needed to have my credit report updated to reflect that I was in school and thus they could not make bad reports on my credit. The individual told me a XXXX XXXX to send it to. I asked what was the business name. They stated it was the Credit Bureau Association. I asked them to confirm this again, they did. I XXXX the XXXX XXXX and find this : Navient XXXX. XXXX XXXX. XXXX, PA XXXX. No indication if that is their credit reporting offices or not. 

I reached out to an enrollment advisor at my school and obtained documentation that I had been enrolled for the past two years. I got onto Navient and tried to upload it, but there was a file size limit. I used their chat option to get in contact with an associate. There was an immense amount of difficulty for the associate to " receive '' my documents via e-mail and only after I stated that I would be happy to wait that they offer to e-mail me directly so I can respond with the documents. I sent it and offered to wait again. I notified the associate that I had cc 'd myself and my father on the e-mail and they came through almost immediately, but that I would be happy to wait as long as necessary. I also asked if I would be receiving a copy of the transcript of our conversation ( a standard for most businesses ) and they stated that they would be unable to do that. I notified them that I took several screen shots so that I can reference it later if need be fore e-mail information, etc. Suddenly, the associate received my e-mail with the documents. They said that it would be " processed '' and that I should receive an update within a week. 

They did not confirm if the information that I sent was adequate, who I would be hearing from, a number for me to call to follow up. I have screen shots of the conversation outlining the immense obstinance there was in assisting me with my concern. This is not the first time that the communication practices with Navient have been far from transparent.
Consumer complaint received 2018-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

Date Debt Occured : XX/XX/2012 NAME OF DEBT : Blakely-Witt & Associates AMOUNT OWED : {$4200.00} I was going through my credit report and I noticed this debt being deliquent, now I have tried to reach out to this company via phone and left numerous messages and I have not received any contact back. I looked their profile up via XXXX XXXX XXXX and they have a F Rating.

Now how does this pertain to me it does when their is thiss debt that I know for a fact is not the right amount, the apartment company that this Debt originates from is XXXX XXXX Apartments in XXXX Texas. And here is what should have been reported when I moved out of these apartments the property management at this time because I was late on my monthly rent by only {$800.00} and I told her that it would be nearly impossible to get this caught up being I was on a fixed income and this was mentioned to them at time of move in also. The Apartment Property Manager after a private meeting in her office told me that after speaking witht he owner of the properties I had two options to pay my {$800.00} rent this was deliquent or due to the circumstances that they would let me out of my lease being I had only a few months left at no additional cancellation fees. 

So I see this debt sitting at an expensive {$4200.00} I am disputing this charge because thats not what I was told I owed at time of move out from the property. This number is def. wrong is def. some fraudlaunt charges here. Now I have attempted many times to reach out to the company but they dont seem to care to reach back out in return.
Consumer complaint received 2018-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

My car was financed through Capital One Auto Finance and in XX/XX/XXXX, following a car accident, was determined to be a total loss and my auto insurance issued payment to Capital One in XX/XX/XXXX. After the total loss payment had been made I still had a remaining balance on my loan. My account access was removed from online payment and automated payments because it was no longer an active account, so each month I had to contact customer service to make payment. My last payment was to be made on Saturday, XX/XX/XXXX. I called both customer service lines and both lines stated Capital One offices are closed and disconnected. I checked the web page to see if their offices were closed and seen nothing posted other than their business days and hours listed ; this includes Saturdays. I was finally able to submit my payment on XX/XX/XXXX, paying off my account and receiving my title. Mid XX/XX/XXXX, I received an email alert from XXXX stating there was a deragatory remark made to my credit report. When checking XXXX I seen that Capital One had reported my account as a charge off. I called Capital One customer service and explained that I had attempted twice to make payment on the XXXX and called both customer service lines in order to do so before their prompt stated the offices were closed and disconnecting. I had also contacted XXXX precious to calling Capital One on the XXXX and had no issue with speaking with them and making a payment, so I had no reason to believe or expect this to be a holiday. The rep stated that I had until the XXXX to make payment and I hadnt until the XXXX so the remark would likely not be removed. I then asked to file a dispute and for a way to submit my supporting documents. After being given a fax number that wasnt a working fax line, I used the fax line number listed on the Capital One web page. I received a letter stating that the remark would remain and payment was made after the payment date. I then mailed in my supporting docs and dispute information. I again received a letter stating the remark would not be removed. I had made several payments on saturdays previous to this and the rep would not answer if the office was closed on the XXXX. I had no other way of making my payment and yet I was being reported as a deragatory account when all efforts were made to pay off the account in time.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

I checked my credit report and I found couple company 's name claims that I owe them money Ability recovery services XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ I tried to dispute These false claims thrue XXXX and they did not remove it after they did not get an evadance to support these companies claims
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Payment application practices are predatory. I graduated in XXXX, and entered graduated repayment. The original servicer was XXXX XXXX. I always rounded up my payment, and had the additional applied toward principle - this was automatically available, and a permanent choice I had made. On my ~ {$250.00} payment, I would over pay $ XXXX {$20.00}, providing funds for students through my repayment. My loans were sold to/split off with Navient, and I am wholly unhappy with their predatory schemes. I am unable to make a permanent choice that all overpayments are applied to principle ; instead any overpayment is immediately applied to future payment. This was resulting in what initially was only $ XXXX $ XXXX/mo of  additional interest, but over the life of a loan this could easily be in the $ 1000s. This guarantees difficulty in getting control over my loans, takes advantage of ALL customers. Additionally, Navient makes it difficult to apply any amount extra towards the principle, access any additional account information, and misleadingly advertises 'income based repayments '. I had entered into income based repayment for 3 years, and was luck to return to an extended repayment plan - I exited when my standard repayment was LESS than the income based and interest would no longer be capitalized. Additionally, while in income based repayment, one can not pay additional on principle OR capitalized interest. This is extremely detrimental to the consumer - if a consumer, on limited income, has the ability to pay down capitalized interest and start to get payments under control this would be beneficial. Instead, consumers in repayment are tethered to their repayment amount - over payment is applied to future payments ( again ), and any overpayment can/will kick you out of the payment plan, and demand capitalized interest all due within 3 months. NO STUDENT LOAN CUSTOMER CAN AFFORD THAT.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I am a XXXX and I was checking to see if my paycheck was in my account this morning only to find that I was at a negative - {$540.00}. My rent and bills are due soon! I then went on to discover that I had been charged fraudulently by Coinbase.com nearly {$4500.00} w including an insane amount of non-sufficient fund fees from my bank. I think if I had even more money, this scam would have taken even more of my money. It was only when I was sucked completely dry of all available USD that my account was frozen from my bank. From what I can see as of right now I have the following scam charges from coinbase.com .... ( I am only assuming these as of now, but there could be more ) the list of transactions are as follows : XX/XX/XXXX PAYROLL/ACH + {$2200.00} - {$540.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$1.00} - {$2700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$200.00} - {$2700.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$2.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$270.00} - {$2500.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2200.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2100.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2000.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$6.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$820.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$5.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$740.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} - {$300.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} - {$290.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} {$700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} {$730.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} {$740.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$3.00} {$1800.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$380.00} {$1800.00} Please help, I can't buy food, I can't pay rent, I can't do anything. I am scared.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX, I was unable to login to my XXXX account where I had just purchased XXXX worth of Bitcoin and Litecoin earlier that day. I was quickly prompted with a message that I should contact Coinbase Customer Support. However, I was confused on why I was unable to access my XXXX account because I did not receive an email on why my account had been temporarily disabled. I contacted Coinbase on XX/XX/XXXX and was told the reason why my XXXX account had been disabled is because my XXXX credit card company had reversed an order on my account. However, even though I had that credit card linked to my account, I have never used that credit card to purchase any cryptocurrency on my account. I only used my bank account to purchase cryptocurrency on Coinbase. The customer support representative then went on to tell me that in order to regain access to my XXXX account I will need to pay {$3200.00} dollars. I paid the {$3200.00} with my card and was told I should regain access in 3-5 business days. On XX/XX/XXXX, I logged onto my Coinbase and noticed they had taken XXXX dollars worth of bitcoin from my account after I had initially paid them {$3200.00} they had wanted. I contacted Coinbase that same day and was told they only accept cryptocurrency as a form of repayment after the fact I paid them via credit card as the site allowed me to. After discussing, the situation with customer support they told me I should immediately regain access to my XXXX account and should be able to buy, sell, and send cryptocurrency again since everything was paid off. It is currently XX/XX/XXXX and I have contacted Coinbase and XXXX multiple times and I continue to get the same response : Your ticket will be handled very soon and you should have full access in 4-5 business days. I honestly do not care that I paid twice for a charge that was never made on my account, I just want access to my XXXX worth of coins that currently stuck in XXXX. My ticket number is # XXXX.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase bank apparently conducted hard pulls on my credit 6 days apart last year and wont remove them. I don't understand why one place would need to hit me twice in one week, often it takes a month or two for my credit score to update changes. It is hurting my credit score, and I have never had any delinquent marks or accounts or payments.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

They keep reporting inaccurate information ... and statuses and DATE OF STATUS..!! This is a clear case of Re-aging an account that the original creditor refuse to validate or verify. The company XXXX/ XXXX only response after several certified letters is ... we need more information. But yet Experian continue to say they have verified the account. XXXX and XXXX have deleted the inaccurate line.On XX/XX/XXXX I sent XXXX a certified letter.. they responded ... need more information. On XX/XX/XXXX ... sent a dispute to Experian. They responded as verified. So I sent letter # 2 wth the inaccurate info on report. So we are back and forth ...
Consumer complaint received 2018-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (AL)

I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

TRANSFERED FROM 1 CHECKING ACCT USING DEBIT CARD INTO MY COINBASE ACCT. WENT THROUGH. THEN THEY CHARGED DEBIT CARD A SECOND TIME. 
{$100.00} XX/XX/XXXX HAPPENED AGAIN ON THE XX/XX/XXXX. SAME THING. COINBASE TOOK  ANOTHER {$100.00} FROM SAME ACCT. 

HAD TO SEVER LINK BETWEEN. 

CALLED BANK. THEY ARE DISPUTING IT FOR ME. 

THANK YOU.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ( es ) : XXXX XXXXXXXX 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 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX