davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I am currently in school working on my XXXX. I received a call back in mid-XX/XX/XXXX from my private student loan provider, Navient, stating that I would need to start paying on my student loans at the beginning of XX/XX/XXXX. I informed them that I was currently enrolled full-time in school and they said that I no longer qualified for in-school forbearance because my loans dated back 48 months. This came as a complete surprise to me because I was never informed that my in-school forbearance only lasted 48 months. Furthermore, I didn't remember signing anything stating this. I then asked Navient to send me a copy of all of the promissory notes that I signed for each loan. When I received the promissory notes a few weeks later, I read through each one of them and nowhere does it state that in-school forbearance ends after 48 months. In the meantime, I did some investigating online and found that other people have had similar issues with Navient. So, after I received a bill for {$430.00}, I called Navient on XX/XX/XXXX to talk about the issue. The person on the phone told me the same thing as before, that my loans were due because that had reached the 48-month time-frame. I then told them that I had gone through the promissory notes and that nowhere did it state that. The gentleman then told me that they had the right to add/change things and that my promissory notes where obviously missing the part about the 48 months. He told me to look at section 'E ' and his section 'E ' was different from mine. The promissory notes that I have came directly from Navient, all of my personal information is listed as well as all of their clauses and terms except for this supposed 'no in-school forbearance after 48 months '. I don't see how ethically or legally a company can add to a contract years after it was agreed to and signed. When I have been out of school, I have never missed a payment and many months I paid extra. I decided to go back to school later in life to better myself. I make {$22000.00} a year which after taxes, barely covers my bills. Navient never offered me any other options to resolve the situation other than pay the {$430.00}. Furthermore, they are trying to change the terms of our agreement after the fact. The bill is due on XX/XX/XXXX and I would like to resolve this issue.
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (WA)

Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (ND)

This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX  when US Bank has already charged off the debt. 

The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. 

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? 

At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. 

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My home was in foreclosure, I filed bankruptcy in early XX/XX/2017 and my home was saved. I was advised by my attorney to just pay {$990.00} to the Dtech mortgage company and I have been doing so since XX/XX/2017 when my bankruptcy cleared. Now Dtech is trying to XXXX me over again, they are stating I owe them {$2000.00}. because of my ESCROW account yet I have not received one single statement, one single bill, phone call, email, correspondence ( nothing ) at my home. My daughter created the account for me online and it shows the mailing address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is not my home address why are my statements and bills going there for my home. This has caused me yet major problems for now they say i owe {$2000.00} and i have tried calling to speak with someone to help me and nobody takes the time they just bounce me around from rep to rep. I will be hiring another attorney to assist me with this FRAUDULENT ACTION and decided to start by filing a complaint! I have record of everything
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Two items from XXXX are currently in dispute with Capital One, XXXX and XXXX on XX/XX/XXXX. The orders were placed the same day, XX/XX/XXXX, shipped same day via USPS. Tracking number for order # XXXX in the amount of XXXX is XXXX, tracking showed left in parcel locker which I do not have one at my address. I have attempted to track this package today, XX/XX/XXXX, the information shows as " label created, not yet in system ''. Order # XXXX, XXXX showed same information, left in parcel locker, tracking number is XXXX. Tracking info as of today also shows same, " Label created, not yet in system ''. I attempted to provide this information to disputes team, however, they were closed when I called. As I have stated in dispute and again here, both packages were not received, left in a parcel locker in error by my mail carrier. I believe the dispute should be closed in my favor as there is no information to contradict my claim.
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have a large consolidated student loan with XXXX  for which I have been paying monthly installments under the Income Based Repayment plan since consolidating my loan with XXXX. Periodically I recertify my income. My monthly payments have always been between {$250.00} and {$300.00} a month. I placed my account on auto-pay from my checking account so as to avoid delinquencies and to pay on time every month. I can not afford payments significantly above this. Because of a one month lapse in my income recertification XXXX  placed me on a default repayment plan. I was horrified to log into my checking account and find that my student loan repayment jumped from {$270.00} on XX/XX/XXXX to {$2600.00} on XX/XX/XXXX representing a payment removed from my checking account of nearly 10X by normal monthly payment! This amount substantially wiped out my checking account placing me under severe financial strain with the possibility of not being able to make my rent. When I called XXXX  they said there was no way to return the money to my checking and that I had to dispute the issue with my bank.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.
Consumer complaint received 2018-03-11
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: Resurgent Capital Services L.P. (MD)

IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX  XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.
Consumer complaint received 2018-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

have sent 4 dispute letters over the course of 5 months to Transunion disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-12
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. (CA)

I HAVE FILED NUMEROUS DISPUTES WITH EXPERIAN AND XXXX IN REGARDS TO A XXXX XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet Experian and XXXX continues to report this account ...
Consumer complaint received 2018-01-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apothaker & Associates, PC (NJ)

The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally address an issue with XXXX 's response to my pre-arbitration demand resolution dispute, which was submitted on XX/XX/2024. The dispute included necessary documentation for identity verification, and I have received an inadequate response from XXXX indicating that I did not submit sufficient proof of identity. 

Complaint Details : Dispute Date : XX/XX/2024 Tracking Number of Certified Letter : XXXX XXXX  Response : XXXX responded with a notice stating that I did not provide sufficient proof of identity. However, I submitted current bills and a copy of my drivers license within the certified letter. 
The complete documentation, including my current bills and valid identification, should have sufficed for identity verification. The response I received from XXXX lacks clarity and fails to address my dispute appropriately. 

Request for XXXX : I am also requesting a pre-arbitration settlement amount of {$3000.00} for the pain, suffering, and hardship this process has caused me. The delays and lack of clarity in XXXX response have led to significant distress and inconvenience. 

Data Breach Concerns : Additionally, I would like to bring to your attention that my personal information has been compromised as part of a data breach, which is contributing to my concerns regarding identity verification. I have attached relevant documentation related to the data breach for your reference. 

Attached Documents : Please find attached the entire file sent to XXXX, which includes all the identity verification documents previously provided, as well as documentation regarding the data breach.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I called XXXX XXXX around XXXX cst. I called to ask about having my account graduated to a no secured account the agent told me thats not his department but my account does not qualify. I asked why and got nothing. After 7 years of having this account with a {$300.00} dollar credit limit and paying a {$29.00} annual fee it wanted a full account. I already have one non secured card with capital One that is 5+ years old. This seems like an unfair practice where others are having their account reviewed within the first few years and I have called to asks and complain muntilple time and get no where. Im not stuck wiH this card because if I close it it will hurt my credit because its been open so long.
Consumer complaint received 2018-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with capital one XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This month I was charged an annual fee on my account. After reviewing the terms on the website their is no longer a fee associated with my type of card. I called and was told because I opened my account 7 years ago it is stuck under the old terms and cant be changed. I would have to close my account and re apply for the same card to not have an annual fee. I should not have to apply for a new card because terms were updated. Its one thing to be grandfathered in when its a positive but this is a negative and unfair practice.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ON     XXXX   XXXX  2017   I SE NT IN A CERTIFIED LETTER DISOUTING   XXXX   XXXX   XXXX   XXXX    COLLECTION ON MY CREDIT REPORT, THE WEEK BEFORE I HAD SENT A CERTIFIED LETTER DISPUTING OTHER ACCOUNTS. I HAD PULLED A COPY OF MY TRANSUNION CREDIT REPORT PRIOR TO SENDING IN THE DISPUTE. SO I CALLED IN TODAY ON   XXXX   XXXX  2017   B ECAUSE I HAD NOT HEARD ANYTHING FROM TRANSUNION NOR HAVE I RECEIVED A RESPONSE FROM  XXXX   XXXX  WHEN I REQUESTED VERIFICATION AND I WAS TOLD BY A TRANSITION REP  XXXX  THAT  XXXX   XXXX  WAS NOT ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE AND THAT MY CREDIT REPORT WAS SUPPRESSED WHEN TH E   1ST DISPUTE LETTER WAS SENT. THE STATEME NT ABOUT  XXXX   XXXX   XXXX  NOT BEING ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE WAS A TOTAL LIE, I RECEIVED NOTIFICATION FROM   XXXX    XXXX  AND I HAD PULLED MY CREDIT REPORT SO IT WAS THERE, IT WAS JUST NOT MADE UP AND SHE STATED THAT SHE COULD DISPUTE IT FOR ME NOW ON     XXXX  2017   MEANWHILE SHE DID STATE THAT SHE SEE THE DISPUTE THAT I SENT IN ON     XX/XX/XXXX /2017 B UT REFUSED TO DELETE THE ITEMS OFF MY CREDIT REPORT, TRANSITION DROPPED THE BALL NOT ME, THERE WERE   XXXX   ACCOUNTS ON THERE FROM  XXXX   XXXX  AND I GAVE THEM ENOUGH TIME TO VERIFY THE ACCOUNTS BUT THEY HAVE NOT DONE ANYTHING.
Consumer complaint received 2018-03-20
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: Bread Financial Holdings, Inc. (TN)

Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I am filing a serious complaint against the credit bureau for selling my personal information, lies, vulnerable to me, my good name, my family, my business, my future and my life These liars must be removed from the law! 

Thank you, XXXX XXXX