davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc. (PA)

Currently, I have a loan that was issued by NavientXXXX XXXX and their service provider is Navient. Navient has excessively called me month by month since getting the loan, ultimately making me regret using the company in the first place. When my payment is past due, Navient will call me upwards of 5-6 times per day throughout the entire week. This has caused multiple disruptions throughout the past 2-3 year, due to the fact that I am still a XXXX XXXX. My mom helps me with this loan, and pays the loan routinely. We do go past due, but have never been over 30 days late with the payment. My mom has constantly asked the caller from Navient to stop calling me and only call her, as she primarily handles it and pays it monthly. This shouldn't be a problem as she is the co-signer for the loan. Often, she will get a caller that has an attitude and likes to raise their voice to my mother, which is highly unprofessional. 

Navient will usually tell us the reason they are calling is because 'We haven't logged into our account for an extended period of time. ' This is a complete lie from Navient because we have to log in every month to schedule the payment. 


This matter need to be handled at Navient, as I see there are many other debtors with the same problem of excessive calling.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/year>, someone hacked my friend closest friend phone number and begged me to help him by sending him {$1000.00} by XXXX because he wanted to solve an emergency case ... I was texting with him ... unfortunately, I didn't call him and I just XXXX  him the money because of the confidence we have for each other.he promised to refund my money the day after. That day, he didn't XXXX days after, I requested my money back to him and he said his number was hacked and he is not the one who asked for the money ... I contacted my bank institution, they opened the case, but today ( XX/XX/XXXX XXXX, the bank denied to refund my money because for them, I XXXX  the money that day with my consent..so I want you to help me get my money back, please. The email the used to XXXX  money is : XXXX... Please, help me to solve the issue..
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I am writing to formally file a complaint against LVNV Funding LLC, represented by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, regarding its handling of my account number XXXX. I believe that LVNV Funding LLC is violating my rights under the following federal regulations : *1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) * LVNV Funding LLC has engaged in unfair practices in its attempts to collect this debt by misrepresenting my obligations. This regulation prohibits deceptive representations or the omission of material facts that mislead the consumer regarding their debt.

*2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) * LVNV Funding LLC has failed to provide clear and accurate communication regarding the status and details of my debt. This section mandates that a debt collector must promptly communicate with the consumer regarding disputes or inaccuracies, which has not been done in my case.

*3. Violation of 12 CFR 10026.34 ( d ) * LVNV Funding LLC has continued to attempt to collect this debt without properly investigating or validating the debt despite my formal dispute. This regulation requires debt collectors to halt collection efforts and investigate once a dispute has been raised, which they have failed to do.

*4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) * Additionally, LVNV Funding LLC is not adhering to the Fair Credit Reporting Act, specifically under 15 USC 1681-s2 ( 7 ) ( a ), by furnishing inaccurate information to credit reporting agencies regarding this disputed debt.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that LVNV Funding LLC complies with all applicable federal regulations. Furthermore, I ask that LVNV Funding LLC be required to cease all collection efforts until a thorough investigation and resolution of my dispute is completed.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( 1 ) Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I am kindly requesting that you blocked this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I was accidentally charged {$1800.00} by a local store for food that should have totaled {$18.00}. Merchant said it was in error, so I disputed with Chase. They asked for me to go back to the vendor, which I did, and the vendor gave me an {$1800.00} credit, but Chase has removed the refund and said my receipt from the refund isnt valid. Chase is still holding my money, even though the vendor and myself have both tried to recover the funds.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am filing this complaint against GENESIS CREDIT MANAGEMENT for multiple violations of consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. **Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** GENESIS CREDIT MANAGEMENT has failed to provide validation of the debt in question. Despite multiple requests, they have not provided any evidence demonstrating their authority to collect this debt. 

2. **Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been provided with an opportunity to dispute the account with GENESIS CREDIT MANAGEMENT. They have not communicated the necessary information regarding my rights to dispute the debt within the required time frame. 

3. **Use of False, Misleading, and Deceptive Practices : ** GENESIS CREDIT MANAGEMENT has engaged in misleading and deceptive practices by reporting this debt to consumer reporting agencies without providing adequate validation or disclosure as required by law. This includes using false representations regarding the validity of the debt. 

4. **Violation of Reporting Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : ** GENESIS CREDIT MANAGEMENT has furnished information to consumer reporting agencies without fulfilling their obligations to provide accurate and complete disclosures. This violates federal laws governing the reporting of consumer information.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP (GA)

I am writing to file a formal complaint regarding the handling of my account and payment arrangement with XXXX XXXX, specifically related to the lack of written communication and ongoing difficulties in obtaining verification of payment terms. 

On XX/XX/year>, I went directly to XXXX XXXX 's website to accept a settlement of {$7000.00}. Upon logging into my account, I noticed it was closed and this is where I obtained Aldridge Pite Haan 's contact information. On XX/XX/year>, I contacted XXXX  regarding the closed XXXX XXXX account. I spoke with XXXX XXXX, who informed me that settlement was not an option, and I would be required to pay the full balance of {$13000.00}. The payment plan discussed was as follows : an initial payment of {$3600.00}, followed by $ XXXX  monthly payments for XXXX  months, starting on the XXXX of each month. 

During that call, I requested that this information be provided to me in writing. XXXX advised that mail delivery would take too long and suggested email correspondence instead to reduce the further processing of a warrant/garnishing of wages. I provided my consent for XXXX  to send the written agreement and validation of the debt to my email address. " I, ( my name ), give XXXX  Permission to email me at XXXX concerning XXXX File # ''. XXXX confirmed that I would receive this information within XXXX days. 

As of today, I have yet to receive any written confirmation. On XX/XX/year>, I contacted XXXX again, and he stated that the email was still pending in the queue to be sent by the account team. I followed up again on XX/XX/year>, via email, but have received no response. Additionally, there was an address discrepancy on my account that was updated during our initial conversation on XXXX XXXX, 2024, which may explain why I had not received prior notices. However, I have continued to receive other forwarded mail from my old address. 

I have made repeated attempts to contact XXXX  by phone, but it has been extremely difficult to reach anyone for assistance. I am willing and prepared to resolve this debt over time, but I need written confirmation of the amount owed and payment terms before proceeding. Verbal agreements are not sufficient, and the lack of follow-up is causing significant delays and the possibility of garnishing wages. 

I request that XXXX  provide the agreed-upon payment terms and validation of the debt in writing immediately. Failure to provide this documentation in a timely manner raises concerns about the lack of professionalism, organization and personal involvement with my wages.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a Huntington checking and money market account for a couple of months now, this morning I went to log in my account and it kept saying my password was wrong so I called. When I called I was told that my account is under review and my remaining funds in the account is being held. I dont understand why banks have the power to do this. I have bills to pay in the next 2 days and if they arent paid I will be having late payments on my credit report. I cant not have late payments because of a banks issue! This is horrible and I dont know what to do
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (FL)

Been trying to get into a payment plan, no cooperation from the mortgage company. They send me the documentation for curing the default in my account. As they requested including attorney fees {$8100.00}. I had called different days in XXXX trying to get payment arrangement. First they said I have to pay {$3200.00} to start getting the account current. A week after they told me it was {$5200.00} and when I get back the account was on Foreclosure and not even at the day XX/XX/XXXX at the deadline they gave me to paid the {$5200.00}. I have been trying to make payments they don't accept partial payments and keep increasing the minimal amount. The letter they send me I have until XX/XX/XXXX to sent the {$8100.00}. I tried since the XXXX to send it by money gram and it was a global outage for money gram that no where in Florida for the service available. The last option I have since Selene Finance never get the wire information and there office it was closed during the weekend it was to buy a cashier check as payment form it was like that because they don't even allow me to do the payment thru my check account making more complicated the process, and sent check by XXXX  mail. I called today and customer service representative said the offer expired yesterday XXXX  the XXXX of XXXX. I explained the situation and requested a call back from the person managing my account in the loan resolution department. Customer service been not cooperating at all during this process, I never refuse to pay the debt, I have been willing to do it and Selene it's been increasing minimal payment and including attorney fees to get my property into foreclosure.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ROYAL UNITED MORTGAGE LLC (GA)

Under the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries are only permitted if there is a permissible purpose. According to 15 U.S.C. 1681b, a permissible purpose includes having explicit consumer consent or being related to a transaction initiated by the consumer, such as an application for credit, employment, or insurance. 

I did not authorize this inquiry, nor did I initiate any transaction with your company that would justify this inquiry. Therefore, this inquiry is in violation of the FCRA. The presence of this unauthorized inquiry on my credit report is negatively affecting my credit score and could potentially impact my financial opportunities. 

I request that you immediately investigate this unauthorized inquiry and provide me with documentation or proof of my authorization. If you can not provide such proof, I demand that you contact the credit bureaus ( XXXX, XXXX, and XXXX ) and request the removal of this unauthorized inquiry from my credit report. 

Please provide me with written confirmation of your actions to resolve this matter within XXXX  days of receiving this letter. Additionally, I request that you provide the name, address, and telephone number of the person or entity that authorized the inquiry, if applicable.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX  XXXX Bankruptcy o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$140.00} XXXX. Creditor Name : XXXX Bank o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

My COINBASE account was on " temporarily disabled " on XX/XX/2017 with the message " Sorry, account temporarily disabled. " Please contact support. I emailed immediately to have the issue resolved and had a follow up email the same day letting me know it was in process. For the next 3 months i had emailed them back and forth trying to get access to my money and account always receiving the same generated email providing steps for account recovery that didn't work. I called many times only to wait on hold for multiple hours and on the few occasions that the phone was answered they were quick to hang up on me. I am still locked out, my account has devalued tremendously and I can't get the little that remains. I know many have had the same issue. Please help!
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/year> I had my dad send me XXXX dollars, I went to the ATM to pull it out, and the ATM didn't dispense, or give a receipt, but it charged my card anyway. I made a ticket with Venmo but it wasn't going anywhere so on XX/XX/year> I called XXXX and they refunded it, but then right after, my Venmo ticket was denied, and Venmo took my XXXX refund for themselves.