davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I have spoken to several times with Navient over the nature of these loans. After a previous complaint, I was told that after further investigation, I did in fact meet the requirements for a discharge application. I was emailed an application and sent my application in within XXXX business day of receiving it. I also supplied an Executive Summary issued from the Department of Education that outlined the misconduct practices which my school engaged in. I also provided proof of my loans being discharged from the federal government due to the misconduct of my school. I received a denial of my discharge from Navient due to not " meeting the requirements for discharge based on misconduct by my school ''. I was given no further information about what the criteria was that they were looking for or what specific criteria I did not meet. I do not understand how I have Department of Education findings, based on evidence provided by attorney generals, does not substantiate that my school engaged in misconduct. In addition, Navient was previously XXXX XXXX which engaged in unsavory practices with XXXX XXXX XXXX, which is who originally owned my loans before transferring them to Navient. I can not get further detail as to why my discharge was not approved. Based on president of the school, the Department of Educations Findings, and previous class action lawsuits against Navient, my discharge should have been approved. I would like to settle this without the need for legal proceedings. I have also contacted my state Attorney General about this process which has a severe lack of transparency and honesty.
Consumer complaint received 2022-12-21
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

In XX/XX/XXXX, Coinbase has my account " flagged for a manual review ''. I will be XXXX XXXX XXXX this year, and I am XXXX. I am guilty of not checking my email daily, and I missed the first XXXX emails they sent me on XX/XX/XXXX & XX/XX/XXXX, telling me my account was under review. I was not interested in trading or cashing in any of my crypto, and did not realize they had frozen my account until XX/XX/XXXX when I wanted to cash in some of my bitcoin. On XX/XX/XXXX I responded to their original email, and supplied my past employment records, my bank statement, my overall net worth, and how I use my Coinbase funds to repays my children 's student loans. Between XX/XX/XXXX, and XX/XX/XXXX, I had XXXX interactions with the Coinbase compliance XXXX. Since then I have had several other correspondences with them, Including Coinbase demanding Hundreds of pages of documents, such as : 2 years of tax returns ( uploaded in PDF form ), other bank statements with my spending explanations, official business records dating back over 10 years, my other XXXX accounts, bank records of my Social Security and pension deposits, etc. I put in a complaint to the Coinbase Complaint Dept & after waiting XXXX business days, they claimed I had not responded to an email in XXXX, and so they considered my case closed. Not only did I respond promptly to their XXXX Email, they quoted my response in another XX/XX/XXXX, request for more information. Coinbase has now kept my assets from me for over 8 months, even though I have explained the financial hardship they have continuously caused me. PLEASE HELP.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC (PA)

During a car loan with global lending services, my vehicle was picked up one day before I could made a payment. When I ask for my personal property the car loan company declined, a payment on the car and declined to return my personal property.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (NJ)

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of billing statement, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (IL)

This begin XXXX of XXXX American express serve is telling me that XXXX XXXX has several different email accounts and accounts in my name and there were two other cards that was associated with my actual bank Account that the federal government was depositing all my funds into and that my account email and account had been compressed, and that's where my funds have went. Well mind u I am still fighting to get all of my funds with several different deposit into my account and yet I have still got a XXXX balance mind u I have or only should of had one card and one account. That the government made deposit into my Account like XXXX in USD also a XXXX USD a XXXX USD also a XXXX deposit and mind u I haven't received any of my funds not too mention another XXXXusd on XXXX of XXXX and I would keep going I am struggling with nothing.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I would like to advise you of a debt collection scam being run by the " XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. '' I will hereafter refer to them as MJRF I received a " Summons and Complaint '' in the mail and it looked like I was being sued. I am attaching a copy. 

I also received communications from the debt collector asking me to call up a " non-attorney debt collector. '' Naturally, I tried to file an answer to my complaint with the XXXX XXXX XXXX, where I was being sued. Imagine my surprise to find out, despite all indications to the contrary, that I was not actually being sued. 

Let me explain. Lawyers must file multiple forms to initiate a suit. One of these is an " XXXX '' or " Request for Judicial Intervention '' which then causes the case to go to court. 

XXXX filed the forms necessary to create an index number, which makes it look on the county website as if I am being sued, however, the suit has no judge assigned because they didn't file all the necessary paperwork. They just filed enough paperwork to invoke fear. 

So they have given the impression that they are suing me, but they are not. The kicker is if I want to file a counterclaim or have their suit dismissed, I would have to pay to do so. The amount is quite a lot of money, and quite time-consuming. 

My guess is this is done on purpose. They give the alleged debtor the fear of being sued, but are not open to any downside. Because in a suit, I can claim FDCPA violations and damages on my side. 

I would wonder if I had not filed an answer they would possibly have filed an RJI to force a default judgment. 

This is shameful behavior, and what's worse is they keep trying to get me to talk to non-attorneys. The numbers listed on their correspondence do not work or funnel me to voicemail, and I had to go through some hoops to get a person. 

I'd ask the CFPB to come down hard on them. This is not acceptable behavior. I have disputed the debt, and have the right not to be lied to, or referred to a " non-attorney debt collector '' representing the fact that they are part of some kind of legal proceeding.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

I received letter to my mailbox from 'I.Q. Data International , Inc ' dated XX/XX/XXXX and stating that they are trying to collect the debt that I owe to XXXX XXXX XXXX XXXX XXXX apartment complex where I lived in the period of XXXX. The outstanding debt in the amount of {$120.00} to XXXX XXXX was paid by me to another debt collector - XXXX XXXX earlier on XX/XX/XXXX and I received confirmation letter that funds have been received. I called 'I.Q. Data International , Inc ' on XX/XX/XXXX and informed that I paid that amount and there should not be any outstanding debt to be collected for XXXX XXXX. I also sent email to 'I.Q. Data International , Inc ' containing letter from XXXX XXXX  stating that the amount was paid. I requested email confirmation from 'I.Q. Data International , Inc ' that they received email with the letter from me but they refused to confirm the receipt. I contacted XXXX XXXX apartment complex to clarify the claim and they stated that they do not work with 'I.Q. Data International , Inc ' for any debt collection. Thereby, I sent mail to the mailbox of so called 'I.Q. Data International , Inc ' containing all evidence that the payment has been made. I am concerned that 'I.Q. Data International , Inc ' is a scam that trying to collect money just in case people do not have any evidence confirming payment clearance. I attach all evidence here below for your information. 

Parties involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.Q. Data International , Inc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-21
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-12-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Single Male lived in a home 30 years. Fully employed and got injured lost my job. Attempted to modify a mortgage. XXXX Wells Fargo they refused and tacked forclosure Memos on my front door. I fought for a long time. I am XXXX and my mind is not as sharp so forgive me.. The assessed value of the home was {$280000.00}. I was granted a 2 week extention from the XXXX sale, as I was out gunned and had to short sell. for {$130000.00}. 
I was homless for XXXX years and most of my records are gone. Have some like the notices they taped on my door and some old statements. My question is whom over sees ther XXXXXXXX XXXX court settlement?
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

he issue is causing me significant XXXX XXXX XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX XXXX made an error on my credit report reflecting that I was 30 days late for the month of XXXX when I was not. XXXX confirmed that they did this in error and stated that they filed electronically the correction to all three credit agencies. Experian updated my account as current but is still reflecting XXXX as 30 days late for the month of XXXX. They need to fix this as soon as possible. Also I have disputed an account named XXXX this collection is over a year old. A year ago I successfully removed it from my credit report and recently it just showed up out of no where. I have proof of payment i have disputed it with Experian and they arent taking my proof of payment into consideration. Whats the point of having a letter reflecting payment confirmation if its not going to be accepted as proof.
Consumer complaint received 2022-12-21
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX-XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (TN)

On XX/XX/year> I initiated a money transfer on Xe.com between my own US bank  account and my own XXXX bank account ( transaction ID XXXX ). They said that the {$30.00} US dollars I sent them would amount to XXXX CNY ( Chinese yuan ) on the receiving side. As specifically instructed by their website I entered my own first and last name only ( XXXX XXXX ). 

After a significant delay ( XX/XX/year> ) they informed me that the transaction had been rejected by the receiving bank due a name mismatch with an XXXX CNY fee deducted ( about {$11.00} ). Having already lost a significant amount of the transfer, I asked them to clarify what the issue was since I had followed their instructions exactly. They provided no guidance on how to proceed and told me to ask the receiving bank instead. Not trusting them at this point, I asked them to return the remaining amount to the original US bank account. I received a transfer of {$18.00}. 

I believe the problem with this transfer was that it was to a XXXX bank account, which uses a different name order and was likely looking for a full match in reversed name order ( e.g. " XXXX XXXX XXXX '' ). However, I followed Xe.com 's instructions believing they were accounting for such issues if they were sending it to a foreign bank. I do not believe Xe.com is competent to transfer money to a XXXX if they can not account for such simple issues. Their negligence in providing wrong instructions cost me {$11.00} with no funds transferred to the intended destination.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2022-12-21
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. (IL)

I sent a letter on XX/XX/22 to Experian and XXXX to remove inaccurate accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX  XXXX XXXX Balance XXXX {$52.00} ; XXXX XXXX  XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX XXXX  and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. The original creditor has already deleted this account from my credit profile. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX. 

The account is for the amount of {$320.00}
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (MI)

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

a account was open without my consent with capital one auto i have sent all documents to capital one auto, still no reply back or any investigation i have attach my affidavit and Ftc report with my Government ID.. this account has been on my credit file for a long time, i wasnt aware until i was deny employment after running a credit check, i have XXXX kids and a wife this has been very stressful trying to contact capital one bank, please review all documents Attachment in this complaint.