davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I would like to file a school misconduct charge related to the XXXX XXXX  for Navient private student loans. The private loan I have with Navient is for an in-semester tuition hike that was charged by XXXX when I was attending school there in XXXX. XXXX has a long history of terrible business practices and they misled me on how much my XXXX XXXX XXXX would be worth, how they would help me find a job, their job placement rates, etc. I have filed a Borrower Defense case against this school and been approved, which included discharge of my federal student loans. My private loans should be discharged as well, especially because it is particularly predatory to raise tuition mid-semester, knowing that the only funding option is a private loan at a higher interest rate. The original amount of the loan was {$5500.00}. I have been paying it for almost 20 years and the current balance is still {$1200.00}. In that time I have filed for bankruptcy, been forced many times to go into default, at which time Navient aggressively sought payment using harassing phone calls, even when I explained my dire financial situation. I have made a total of {$16000.00} in payments for that original {$5500.00} loan. Both XXXX and Navient are incredibly predatory.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

I was charged {$280.00} on XX/XX/year> for something that I did not order. I filed a dispute with my bank, Wells Fargo, and denied it and took the funds back out of my account.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. ()

I've had a wallet in blockchain.com website for more than XXXX years now ( roughly XX/XX/XXXX ). When I opened the account I invested XXXX in XXXX and XXXX there. XXXX  months ago ( on XX/XX/XXXX ) I decided to sell all my XXXX. That went okay. And it left me with a XXXX in the account. On XX/XX/XXXX I tried to withdrawal that money to my bank account. That transaction has been pending for more than XXXX months. I've tried contacting them more than XXXX times through all the support platforms they have. I've even contacted with my bank to make sure there was no blocked transaction or problem there, which there is not. Their response always is that they are reviewing the case and to please be patient.
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (NY)

I signed up for smile direct club XX/XX/year> for {$2300.00} paid across XXXX  months. As the contract states - HFD ( healthcare finance direct ) is the payment processor and XXXX  was the creditor " Payments are made to Healthcare Finance Direct, LLC ( HFD ) as payment processor for XXXX. '' I continued to make my monthly payments despite the bankruptcy looming. My treatment abruptly ended in XXXX XXXX when XXXX 's bankruptcy resulted in full cessation of operations and smile " lifetime guarantee ''. I have continued to make payments as a sign of good faith and have reached out several times to have them cancel my account in lieu of this situation. Without my treatment I am now suffering financially and physically with payments being made for a company that no longer exists for a treatment that was ended abruptly. Among this I am being threatened to continue making payments by a payment processor for a creditor who is bankrupt- or face the consequence of collections.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

I contacted the collection agency after discovering a debt collection on my credit report. The collection was related to an XXXX XXXX XXXX XXXX account. I have never had an account with XXXX XXXX XXXX XXXX. I asked what address was associated with the account and it was an address that my daughter had previously lived at XXXX XXXX. My daughter and her roommates indicated that the account was paid on a regular monthly basis while they lived at the apartment. The account was in the name of one of my daughter 's roommates, so I am confused how the account would be associated with me if there is any dispute with the company.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

I have filed multiple complaints about them reversing payments and allocating them at later dates. THAT IS FRAUD AND UNFAIR AND DECEPTIVE! No one has followed up to actually deal with it. They call and say they will look into it. They never do, it's been months and I complained to with no response. I have lost loans, I own a business that has had to spend work hours trying to resolve this ( to include paying my assistant for HOURS AND HOURS to follow up when they lie ).
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

I called M & T and asked if my mom sent a wire transfer ( donation ) to my business account, would I receive immediately. 

XXXX at the XXXX XXXX  answered yes and was sure of it. So mom transferred the money. It was money I needed to also pay my clients from a fundraiser and they expected it asap.

When I tried to withdraw funds, the bank only let me get a little out. So I called on and off for 3 days straight and the bank stopped allowing me to withdraw the funds and I went to the branch and they told me I couldnt get out my own money. At this point my clients and staff were not happy because they didnt get money owed to them. 

For days I was on hold with no answers. Then the branch, XXXX said I can only allow you to take out $ XXXX. 

I asked why and they would not inform me. My clients grew more unhappy and staff as well but mainly My clients. 


Finally I was told my account was shut down, debit card deleted and that M & T no longer wanted to do business with me. I asked why and they said they didnt know or couldnt say. I asked to please have my money. They refused. It has been over one week, and still no access and no account. 

This is hurting my clientele and my business.
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. (NV)

I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX XXXX XXXX Balance XXXX {$6100.00}.
Consumer complaint received 2023-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-15
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MA)

To whom it may concern, I am writing to you as I am formally requesting the Navient School Misconduct private loan discharge application. 

My former school ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has knowingly misled students by falsifying data, cheated borrowers who were mislead into attending the school, as investigated and determined by the US Department of Education. In XXXX  XXXX reached a $ XXXX settlement with the Justice Department over allegations of illegal recruiting tactics.

I filed a Borrower Defense to Repayment in XXXX and my application has been reviewed and approved by the US Department of Education with full discharge for all federally-backed loans for enrollment at this school. 

I have reached out to Navient many times throughout the tenure of my private student loans requesting information for discharge, and I have never received any application for use to relieve me of the financial hardship that I have undergone in response to these loans. I believe Navient has a duty to offer relief to students who attended for-profit schools with the hopes of bettering their lives and careers, but instead have been trapped in a vortex of unaffordable payments.
Consumer complaint received 2023-06-16
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, Transunion you are reporting a highest balance of {$450.00} while XXXX is reporting a highest balance of {$440.00}. These numbers are inconsistent & are supposed to be the same if your are receiving them from the same creditor why are these numbers different?
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial (IL)

Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX  ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I had chase back in 2014 as my financial institution however I had my wallet stolen my passport and other personal account information my account had went negative during this time I had no acesss to my accounts until I was able to get a new nevada ID I did so I then had some fraud on my account after sorting through it all I had a balance that needed to be paid before the account charged off with chase I obtained a loan to pay off the negative balance chase told me my account would be fine and back to normal once the balance was paid however I am now being told the bank has ended it relationship with me I had waited and tried applying recently for an account but I am being told the bank will never do business with me
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MN)

I have tried to use my XXXX  Crypto.com card at atm to get my money out as well as trying to send my money to any other accounts I have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and none of them work. My physical card I have is one that had worked for quite a while but t then it just stopped working! I come to find out it was because somehow the CVV code and the expiration date of the physical card had been changed and not by me! My ATM PIN code also quit working and the option to change my atm PIN code in the crypto.com account portal disappeared. I have ever able to try to transfer money to people in my contacts because of needing to use a XXXX authorization code which I couldnt make work. It is required to use an authentication app on my phone and it never worked. I asked for help multiple times about this to the company and all they would do is send me instructions on how to set up the XXXX which never would work for me. I am literally XXXX  from stress and need help to get my money out! I have XXXXin my account. My name is XXXX XXXX and my phone number is XXXX XXXX. My email is XXXX XXXX
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (HI)

Mortgage company : Freedom Mortgage Issue : Mortgage company refuse to change the property address that I requested, and refuse to accept the insurance that I purchased. 


In XX/XX/2023, we changed our property address thru department of planning and permitting. And we informed our mortgage company when we purchased the new insurance. However, the mortgage company refuse to change the address and use it as a reason to deny the insurance that I purchased. They are asking me to submit document to prove my address change is legit. And I submitted a copy of the tax information that I found from city 's website, as well as department of planning and permitting 's record that shows the address changed has been approved. Even with all this information submitted, this mortgage company still deny my request. 

Property address associated with a certain lot is a public information that everyone can find them on the city 's website. Freedom mortgage company refuse to verify this information themself and keep stalling the new insurance. The insurance that freedom mortgage company purchased is three times the price that I paid. This is a very unethical and nonsense to ask loanee to do their job, and adding unnecessary cost to the loanee.
Consumer complaint received 2023-03-20
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a letter from your company branch addressed XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I do not recognize case number XXXX, which should be in website portal and this branch should mention this matter in the letter by relating with website account. Since banking matter is critical and private, which need to be clear and understandable for individual, I prefer all communication is in the form of written ones. Also, to avoid the impression of suspicious activities, I request your logo will be red. 
Sincerely,