davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on Experian ], 0 months on XXXX, and Unknown on XXXX which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]
Consumer complaint received 2024-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have both federal and private loans. I have enrolled in XXXX XXXX on XXXX I believe and I have applied for private loans thru Salliemae at that time to fund my education. I was promised by XXXX XXXX XXXX that my credits ( XXXX XXXX ) can be transfered to any other XXXX  after to obtain XXXX XXXX if I choose to further my education right before completing my XXXX XXXX I have reached out with them because no other school wanted to credit my degree and credits earned from XXXX XXXX and the only school that is able to accept my credit is XXXX XXXX which is very very expensive. However, after leaving me with no choice. XXXX XXXX did not credit all my earned credits from XXXX as promised by XXXX. I have lost XXXX credits I think out of XXXX credits I earned from XXXX. These leads me to more debt. After years of repaying Salliemae now Navient, I have tried to request from them to release my XXXX XXXX XXXX as my cosigner and have denied my request. I have files for bankcruptcy on XXXX due to hardship and growing family numbers ( XXXX XXXX  ) but my student loans were not dischargaeble. I have applied for school misconduct thru Navient and denied my request without any explanations. Even if I have told them that my federal loans were discharge from XXXX XXXX which I have consolidated before and was transfered to department of education ( XXXX ). I believe that they are not reviewing my case and request knowing that I have become a victim of predatory school. If I also recalled correctly I was never put on XXXX but rather paying them full amount of money they payments from the very beginning. I have been paying them monthly payments XXXX XXXX XXXXXXXX  from XXXX XXXX on XXXX until today if I am not mistaken. I was also informed that even if they will discharge my private loans from them, I will only get refund from the date of my school misconduct application which is XX/XX/XXXX until the decision is made. Their decision was made on XX/XX/XXXX and denied my application.
Consumer complaint received 2024-09-28
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. (NJ)

You closed my previous complaint, but it was never resolved. Transunion continues to have inaccurate information on my report. My XXXX credit card account is still missing from my report from Transunion. In XXXX, Transunion reported it as a closed account. I disputed this, as it is an open active account. Their response was to delete it entirely, which negatively impacted my XXXX XXXX. They refuse to reinstate this account, despite XXXX themselves contacting Transunion. The other XXXX credit bureaus have the correct information, but Transunion refuses to correct their own error.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Leviton Law Firm, Ltd. (GA)

Company consistently harasses me, threatening to sue me from a law firm in a completely different state than me. Im not familiar with this law firm. Its caused me stress. I have been XXXX, and at the start of the harassment, I was XXXX  XXXX. I would like for this company to leave me alone and stop threatening to damage my credit, and sue me.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This company ( the bureaus ) has been calling me and harassing me, even though I have sent them a cease and desist. Ive also emailed them several times. They are now calling from blocked and unknown calls, but I know it is them because they specifically say the name of the company. They have also given me account numbers verbally over the phone. So if it isnt, this company then did their information get hacked and leaked? 
Ive also asked them repeatedly to send me the original documents with my signature on it, But they refused to send the correct verification. They also at one point, said they would remove it from my credit report and never did I have emailed Capital One about the documentation and I am awaiting a response. Capital One has not harassed me about it. In fact, I dont even think I got communication when Capital One sold the debt because I dont recognize this account. I am only including Capital One on this because that is who the bureaus said is the original creditor
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Applied for a new Citibank interest-free XXXX  balance transfer card in XXXX. Signed up for auto payment bi-weekly XXXX and XXXX. For the last 6 months, every time I have scheduled an auto payment it has never gone through and I have consistently been dinged for late payments on a card that I have signed up for multiple times for the auto payments to go through. Every time I get a confirmation from the company that I have resigned up. 

As you can see in the screenshots provided below, I am constantly being dinged for late payments even though they took out a payment today. XX/XX/year>2024.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX ran the correct report on XXXX. The account was removed following your fraudulent Statement stating account met FCRA STANDARS. This was never true and if account dispute would have been ran with evidence account would have been removed properly.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (TX)

In XXXX of XXXX I purchased 2 Western Union Money Orders from a XXXX. I lost both of these money orders shortly after. The refund process was tedious and frustrating. I did everything as directed and waited to have my refund sent back to me or for WU to contact me somehow. I mailed the processing fee along with the notarised refund forms that WU requests, by certified mail to WU headquarters as per their instructions. For months, they claimed they received nothing even though I had the USPS tracking number to confirm that it was in fact delivered. I contacted Western Union Customer Service many times to get updates regarding this over the course of several months. I continued to get a run around answer from nearly every representative, nobody could help me, nobody could confirm if the request forms along with the fee were received, and nobody had a time estimate as to when or if I would receive my refund until I escalated my case with a manager for the second time. Then I finally received my refund back last week ( XX/XX/year> ) months later. Here is where the main issue arises. After waiting all those months for WU to help me, I received what look to be 2 checks from WU, from XXXX XXXXXXXX XXXX The issue is they can't be cashed. I have gone to every cashing place in my vicinity including WU locations and XXXX XXXX, and nobody is able to cash them, they can't even tell if they are Money Orders or checks, or cashier 's checks. Even my bank won't cash them, I tried online banking and still nothing. I called WU customer service once again to see if they could help but all they offered were locations that are over an hour away from me, or to mail them to my bank ( which I do not want to resort to as I have already been trying to get this money back for months and it's always risky to mail money ) so in the end I have no solution from WU and have 2 pieces of paper and no way to get my money back from WU after paying the notarisation plus the fees that WU requires
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

My Discover XXXX XXXXXXXX card was closed due a " business decision. '' I called Discover card and was transferred to five different people. None could provide any information. Several confirmed that I would not receive a year end match of reward miles. Their website shows I am owed XXXX XXXX, which is worth {$2000.00}. So they made a business decision to steal {$2000.00} from me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (SC)

I disputed this information with all three credit bureaus. A contract was never sign with company and debt validation letter has not been received. Under the law 15 USC 1681b credit reporting agencies are only allowed two furnish consumer credit reports to those who have permissible purposes as defined by the FCRA.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I tried disputing these accounts with the credit reporting agencies and the creditors but did not get satisfactory results. I have no knowledge of these accounts and have requested they be removed from my credit report. Section 605B ( a ) of the FCRA requires consumer reporting agencies ( CRAs ) to block this information within four business days of receiving proof of the victim 's identity and a copy of an identity theft report. CRAs and credit furnishers are also required to help victims restore their credit history. As a victim of identity theft, I am requesting the consumer reporting agencies to block the accounts listed in both identity theft reports and remove them completely from my credit reports within XXXX business days of receiving this complaint.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (IL)

Now that Experian has corrected the understandings that the consumer closed the credit cards with XXXX that Experian must acknowledge their faults of applying a hard evaluation resulting in lowering of the XXXX XXXX was incorrect because XXXX only denied the credit cards due to previous promotional periods does not allow the consumer to open new credit cards until the waiting-period ends. 

Experian should correct the XXXX XXXX per the XXXX lowering the XXXX XXXX only upon confusion that XXXX did not recognize the denial was not the fault of the consumer but only due to the promotional period hold. Experian wrongfully believed any denials of XXXX credit cards equals a lower XXXX XXXX because Experian could not figure out why XXXX would deny credit. XXXX promotional credit cards would not successfully be connected with Experian to showcase previous credit card closures was due to the consumer closing credit cards as if the consumer is trying to signup duplicate promotional plans is a fault against the consumer. XXXX credit cards should not be resulting in lowering of the XXXX XXXX if closed out and signing up for a new chase promotion would deny eligibility only because all chase promotions are connected as if there is a promotional-waiting-period to utilize XXXX credit cards again. Because Experian believes this is a XXXX XXXX conflict that the user would be wrongfully blocked from applying for other credit card applications other than chase. 

Experian needs to correct the XXXX XXXX on this CFPB Complaint per the wrongful decline of the XXXX XXXX is only attributable to XXXX promotional credit card-holding-period and not due to the fault of the credit history as if the consumer is wrong for signing up for XXXX credit cards and ending the credit card after achieving the promotion.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (TX)

on XX/XX/year>, Coinbase suspended my Coinbase card account with ZERO explanation. 

They say : contact support, when you call the number, they tell you on the phone to chat via the app. When you chat on the app, they tell you to call the number. It's an endless loop. I've called/emailed/chatted over XXXX times each.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

I am a XXXX creditor and Coinbase was tasked with distributing the money following the bankruptcy. Although the distributions started in XXXX, Coinbase delayed the process with late responses, documents that no one could find ( such as written evidence from the person who gave me a gift last ), and I still have not received my money. Since the amount I will receive is affected by the decline of XXXX, I will receive much less money than I would have received in XXXX. Coinbase is solely responsible for this
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freisem, Macon Swann & Malone LLP (GA)

XXXX XXXX, a debt collection attorney, sued me on behalf of XXXX XXXX for a personal loan debt. I acknowledged the debt, and the court ordered me to pay {$200.00} on the XXXX of each month until the balance was settled. For my first payment on XX/XX/year>, I sent Swann a personal check and specifically requested that he not deposit the check until the due date. 

In XXXX, I mailed Swann two checks : one for the XXXX payment and another for XXXX. He deposited both checks early, XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. In XXXX, I sent him two more post-dated checks, covering payments for XXXX and XXXX. However, I discovered that he deposited the XXXX check on XX/XX/year>, ahead of the agreed-upon date. I promptly contacted XXXX via email, questioning why he cashed the check early and informing him that his action had caused my bank account to overdraft. My message was ignored, and I received no response. 

On XX/XX/XXXX, I received a letter from Swann returning the post-dated check for XXXX, stating that his firm does not accept post-dated checks. This came as a surprise, considering he had accepted such checks just a month prior. I inquired if Swann intended to reimburse me for the bank overdraft fees caused by his early deposit, but once again, he did not respond. I informed him that his actions were in violation of the Fair Debt Collection Practices Act and that cashing checks before their due dates was unethical and unacceptable.

I am requesting that Swann promptly addresses this matter by reimbursing the overdraft fees incurred due to his negligence and adheres to the original payment agreement going forward. I expect a timely and appropriate resolution to prevent any further issues.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am utterly stunned and disheartened to see inaccurate accounts on my credit report this morning. Ive checked it like I usually do, but this time, there are discrepancies XXXX cant explain. I tried refreshing my browser to see if it was a glitch, but the errors remained. Im really hoping that the documents Ive sent will be thoroughly reviewed so I dont have to worry about this again.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ] has violated my richts. 
I looked at my [. Equifax ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

My loan was transferred to Selene Finance from XXXX XXXX. I didn't know who the loan was transferred to until XX/XX/XXXX. I started to make payments only to find out that the loan was in collections. After numerous phone calls I was able to speak with XXXX XXXX of Selene Finance. I was able to obtain a modification in XX/XX/XXXX from XXXX. I was asked to pay {$6000.00} up front and then $ XXXX monthly until XX/XX/XXXX, to make the account current. I paid amount requested. In XX/XX/XXXX, I spoke with ( XXXX, supposedly person now handling loan ) to ask if there was a grace period with the loan modification and was told that, " as long as I paid by the end of each month there was no late fee and the modification will remain. '' " I was also informed that starting in XX/XX/XXXX if the loan was paid after the XXXX of each month I could incur a late payment. '' I made all payments before the due date. My husband was contacted by a XXXX XXXX on XX/XX/XXXX, who claimed to be the new representative on our loan and informed him that we were in default, and were four months behind ; after my husband explained to him that we have been making payments and had records, he said that they hadn't received XX/XX/XXXX or XX/XX/XXXX payments. Again my husband disagreed. XXXX then informed him they didn't receive XXXX 's payment. My husband again disagreed and reiterated to him our conversation with XXXX. XXXX told him to send him an email with the records from our bank showing payment and he would stop the default ; that email went out the same day to XXXX and XXXX 's Customer Service email. He also requested that we follow up in a couple day to ensure receipt. 

We ( my husband and I ) have made numerous attempts to contact XXXX, XXXX and XXXX the manager to no avail. We are sent to voicemail after being on hold for upwards of thirty minutes. I even informed their representative XXXX on XX/XX/XXXX, that I was recording our conversation and she refused to give me any information on my loan. 

On XX/XX/XXXX, a Notice of Default was sent that wasn't delivered until XX/XX/XXXX, and obtained from the Post Office by me on XX/XX/XXXX, threatening a payment of {$12000.00} by XX/XX/XXXX or the loan would be accelerated and go into foreclosure. 

Please also note that they are still saying that they didn't receive my XX/XX/XXXX payment. It appears from XXXX website that Selene Finance is a predatory leading company who successfully steals, lies and preys on homeowners by claiming non-payment for late fees and foreclosure, not answering phone calls and transferring loans to different representatives with conflicting information. They have an alert on their account with the XXXX confirming all of the above. 

Please help to regulate these predatory practices. 

Enclosures.