davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Fedloan Servicing received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Fedloan Servicing was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Fedloan Servicing did not provide me direct verification, proof that sufficiently satisfies their claims, and no response to any of my correspondences. Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Fedloan Servicing by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Fedloan Servicing has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Fedloan Servicing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

I opened a loan with loanme me and originally had an issue with payments therefore i was offered a settlement, i made my payments on time and at the second to last month of my payments i was advised my loan was transfered to XXXXloanme branch. I was advised the branch did not have the updated terms of my loan but that i could pay the balance and would receive a close out notice. There is a new loan open under my name that I did not my payment was accepted and I never received a close out notice. Customer service reps transfer me around whenever i am able to get in contact i am concerned a false loan will be placed on my credit.
Consumer complaint received 2024-06-25
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. (FL)

In accordance with the fair credit reporting bank XXXX XXXX XXXX XXXX XXXXXXXX, has vioted my rights 15 U.S.C 1681 Section 602 A .States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not funish a account without my written instructions
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-03
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

I had an account with Kraken that was closed in 2019. I need the account history in order to complete my taxes for 2019. I have been trying for months to get this account history, and they keep refusing or ignoring me. I can not complete my taxes for 2019 without this information, and I am suffering greatly in all my financial matters that require a 2019 tax return as a result. 

I just want my account history for me, personally, and for my XXXX so I can complete my taxes.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

Good afternoon : I recently opened an account with coinbase.com. I adhered to all the security and privacy protocols. I made two purchases amounting to roughly {$1900.00} between XXXX XXXX. I received an alert that said my account was compromised. I immediately asked Coinbase to shut my account down until I strengthen my security protocols, thinking it would be easy to reinstate. A notification from Coinbase said they would rectify the problem in 4-5 days. I believe I may not be the only one that is feeling scammed by a Coinbase. After reviewing certain crypto blogs, it seems like its a fairly relevant in common situation. They provide no customer service or any way to contact them via phone. XXXX contact is done through a case number and email. Which, always goes on answered. Please help me to get my money back. Thank you
Consumer complaint received 2023-06-03
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BoA caused me lost tens of credit score because of their fault and refused to offer any solution by perfunctoriness and deceit.

I was a pervious customer with BoA. Two years ago, I decided to close all of accounts ( including credit ). Upon finish of the closure, they said all account will be closed, there was no debt on the accounts and even sent me a check since I still had balance in the saving. 

During the past two year, I noticed some issues on my credit report showing late payments. I doubted it closure. Recently, I had a hard pull showing BoA credit account is not closed but Charged off of {$50.00} since XXXX. I called BoA on XX/XX/XXXX, they told me it was their mistake not notifying me on day of closure and afterward. And they said the {$50.00} is not a late pay, since there were no late payment fee. As soon as I pay them back, it will not appear in my credit report. Then I paid it, but on XX/XX/XXXX, I found my report still has the C/O history. I called back to BoA, and BoA said the history will stay in my report for 7 year because of BoA 's fault!!!
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MN)

On XX/XX/XXXX I got an email from chime saying Chimes issuing bank, XXXX XXXX XXXX Member FDIC, has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account until you are able to verify this activity with The XXXXXXXX XXXX 

Please see below for further details and instructions on how to request a reversal of this hold. 

What Happened Our partner, XXXX XXXXXXXX XXXX, has identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime bank accounts. 
So I called chime and they told me the problem was the XXXX dollars that my boyfriend tryed to transfer me from his edd XXXX XXXX XXXXXXXX card needed to be verified that we needed a notary saying he authorized the XXXX to be transferred to my chime account and they needed his social security card and all my info as well I sent over everything and they keep on sending the same message requesting the same stuff over and over again and I kept calling and they kept on saying they got the documents and then I would get an email from Chime saying they need the same documents again and finally on XX/XX/XXXX I called and talked to a supervisor and Told him to close my account and send me my remaining money that is in the account all my work checks, my taxes and my stimulus check was in the account so he closed and every since then o couldn't talk to anyone about my account and I have been emailing them about my account and they just send over an automated message saying they will get intouch with me in 24 hours well it never happened. I was XXXX and I seen chime had a page so I wrote on a status and one of chime Members wrote me and then email me and I sent over the documents again and no reply back and it's like they don't wan na give me my money back and I went as far as having my sister who has chime calling on three to talk to a representative and they said there is nothing they can do and all I can is email chime support and they Will Get back to me 24/48 hours and they have not that's what I been doing. I also sent a message to chime from my sister email address and they replied back immediately but not from my email address. All I want is my money from chime that's it and that's all and to see if they need anymore documents from me
Consumer complaint received 2024-03-26
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2021-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (NV)

Was notified by relative of summons 2 months after filing date of lawsuit regarding old debt. on XX/XX/2021 I called and emailed Rausch Strum to set up a payment plan but rep told me she could not accept my payment. I emailed company also and haven't received a response.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF HAWAII CORPORATION (CA)

-XX/XX/XXXX : I paid the remaining balance IN FULL via my online Bank of Hawaii portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XX/XX/XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called BOH to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the BOH website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by BOH after this call and the late is still on my credit report.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

On XX/XX/2021 we were contacted by XXXX XXXX XXXX located in XXXX, Florida regarding the XXXX  we own at XXXX XXXX, XXXX XXXX. Since we have not been using it, they guaranteed us that we will be receiving {$1800.00} a week, and they will charge {$390.00} a week ( 6 weeks ) A contract was downloaded for us to sign online. They just took us quickly to the lines requiring signatures or initials, without allowing us to see the full contract.They insisted the process needed to go fast. We thought they will send us the copy of the signed online contract, but we didn't receive it. The only page we received was the " XXXX Owner 's Right of Cancelation '' which states on second paragraph " You have un-waivable right to cancel this contract for any reason within 10 days after the day you sign this contract. '' We felt uncomfortable, and decided to call XXXX XXXX  the next day. XXXX told us we only have 2 weeks to use it, not 6 weeks. On XX/XX/XXXX XXXX 2 days after the online signing what we couldn't see, we sent a letter of cancelation, via certified mail to the XXXX XXXX XXXX ( copy attached ). We traced the tracking number and it showed that the cancelation letter was delivered to the front desk/reception/mail room on XX/XX/2021 at XXXX XXXX FL XXXX. They received the letter before the 10 days deadline. 

The amount of {$2300.00} XXXX $ XXXX XXXX was charged to our Citi Visa card on XX/XX/2021. We stop the payment and disputed the charge with Citi Visa on XX/XX/2021. The dispute was opened on XX/XX/2021 once Citi Visa received all proof of documents from us. We have been working with Citi Visa sending all the documentation and proof of cancelation. Credits were temporarily given by Citi Visa, however the final result given by Citi Visa is that " the merchant will not honor the request for credit based on the information provided. '' XXXX XXXX XXXX stated they never received the cancelation letter ( which is attached with all the documentation and proof of certified mail delivered to them ).
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OR)

President Biden issued a continuation of the freeze on payments and interest that Trump ordered for the coronavirus situation. That freeze applies to government loans and is in effect until XX/XX/2021. 

Since XX/XX/2021, NAVIENT has harassed me with calls and emails demanding payments or forbearances even though it clearly states on their website that I needed to do NOTHING. So I did just that, nothing, because I do not have any private loans. I've never taken out a private loan for my education my entire life. 

As a result of following the directions of the President and Navient 's own website announcement, Navient has now put me into default and my credit score lost XXXX points. 

I was told I needed to do nothing. The demands for payments or forbearance this year were excessive and came across as illegitimate. If I wasn't required to contact Navient in order to accept the Covid relief, why were they harassing me? Why are they allowed to default people within this window of time when our loans were ordered by the President to be suspended due to the Covid crisis?