davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

They keep telling me I co signed but I never co signed, I never signed a promised note.

I am also on SS. I haven't spoke with my daughter in 7 years ( her choice ) and she won't tell me where she is. My son said he would like to have a settlement with Navient ( {$5000.00} ) as long as it doesn't effect my credit.

This student loan was for one semester that she never completed.

I have asked Navient to take me off the creditor list but I got no reply.

Again, my son said he would settle this loan for {$5000.00} as long as it doesn't effect my or his credit.
Consumer complaint received 2022-06-14
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. (IN)

I am writing to delete the following information in my file. The item i need deleted are listed in th credit report. I am a victim of identity theft and did not make the charge. I have contancted the Creditor and tried to have these item removed time after time. Because of this negitive item i havent been able to get approved for a home nor a car considering i am a single father who needs transperation to make sure my child has everything she needs. Please delete these item as soon as possible.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

I open the account at XX/XX/2022 and the person in charge at this moment tell me they not havent in this time the temporary card I believe it I can wait 14 business day I call in the Costomer service I wait almost 30 day this people take me like fools they take avance of me because they work in there and they use the position they have to abuse peoples they lied I hope I dont know they trying and disrespect my right I m goin to sue them I dont know this person they freeze my account to make me have problems with my deposit from de XXXX XXXX XXXXXXXX I have the letter they notification they send to me I want to know what it they freeze my account
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

UPDATE TO XXXX PREVIOUS COMPLAINTS AGAINST COINBASE This is an update to XXXX previous complaints I filed against coinbase. See COMPLAINT ID XXXX THANKS for contacting them- all of a sudden they tried to fix the problem BUT just ended up STILL trying to make my access to my funds difficult by doing the following : 1 ) FIRST they said they could allow me to tranfer my coins to another database becaue I hadnt updated my address in their system This is crazy because I NEVER had problems tranfring before BUT I complied and updated my address. 

2 ) They told me AFTER I updated my address-which I did- that my funds would be available on XX/XX/XXXX after XXXX pm XXXX. 

3 ) FURTHER HINDRANCE Well when I went into their database to transfer my XXXX it kept telling me it FAILED for invalid wallet! Ironically- this is the SAME wallet I used to transfer XRP from coinbase OVER and OVER for the past several years and even on XX/XX/XXXX ( see screenshots attached ) XXXX ) On XX/XX/XXXX I sent Coinbase the following email : Dear Coinbase PLEASE : Verify the following as accurate : I attempted to send my last remaining XXXX from coinbase to a XXXX service I have sent to MANY times in the past! Its XXXX of the few ones that accept XXXX Your telephone customer service agent indicated that you will not allow me to send to the XXXX XXXX address below. This address is the same service I used to transfer XRP from coinbase over the years AND as recent as XX/XX/XXXX. Why all of a sudden I can not use this address? Her explanation made no sense. She said I nevr used this wallet address before- which is a lie- and EVEN SO- Are you saying that if I didnt use a specific address to send XXXX to in the past I can not use it now? Sounds like what she was saying but I want it in an email written explanation. 

COINBASE RETALIATION : In retaliation for filing complaints agains Coinbase with goverenment agencies, you first block me from my bank account. Then you tell me I need to update an address ( although I changed this address with you previously and sent ID after ID showing my XXXX  address, with Coinbase successfully verifying these addresses ) before withdrawing my last {$100.00} of XXXX when I transfered over {$6000.00} worth of XXXX with no issues XXXX weeks ago to this same XXXX database. 

I complied with your request and updated my physical address in your databse. 

NOW you are making my attempts FAIL to transfer my wallet from coinbase to a service I have used over and over to transfer XXXX from coinbase over the last few years- the ONLY service I used to transfer XXXX from coinbase up to XXXX weeks ago! 

This is plain and simple -- retaliation. 

You guys refuse to stop the games and messing with my account so I'm gon na have to continue to keep the authorites informed of what is going on. 

Please send me a detailed email explanation as to why you are not allowing me to send my XXXX to wallet address XXXX. 

Thank you
Consumer complaint received 2022-06-14
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: CITIBANK, N.A. (TX)

In accordance with the Fair credit reporting act XXXXXXXX on all accounts, had violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card 301 account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (IL)

Self Inc wrongfully charged my card for XXXX randomly. My bill is only {$25.00} a month. They took XXXX XXXX dollars at my account without me knowing, and then lied like they never received it! They closed my account and my payout was supposed to {$520.00}. They then CHANGED it to {$74.00}!!! Talking about they just put that after it closes but REFUSE to give me my {$520.00} that they stole! This is so disheartening in times like these. I thought they were good for building credit, but no only fraud.
Consumer complaint received 2018-12-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp. (NJ)

I used worldremit.com platform on XX/XX/2018 to transfer an amount of XXXX $ from my Checkin account to a savings account in XXXX. The amount was debited right away from my account but was never credit in the intended account where it was suppose to be. I reported this with the customer support of world remit to look into the matter via email. After a chain of email conversation back and forth I received an email in XXXX on XX/XX/2018 which says that the case is closed from their end as they could not find any information where the money went missing. 
The transaction number is XXXX The case number for the complaint is XXXX
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Today XX/XX/2019 I Received a letter from my servicer Specialized Loan Servicing Dated XX/XX/2019. The Letter was in response to an Appeal / Second review of a Previous denied completed application request for a Loan Modification. The second review was submitted on XX/XX/2019 and cc to the CFPB on the same day thru my 3rd Party XXXX XXXX. 
The letter states that on XX/XX/2019 the secondary review was denied and that I am not eligible for any home retention options. 
On XX/XX/2019 at XXXX XXXX my authorized 3rd party XXXX XXXX called in for an update on the file. He spoke to XXXX in customer service who verified the account and put Mr. XXXX on Hold to research the account. XXXX then told Mr. XXXX in order to get an update on the File he would need to be Switched to the Bankruptcy Department. At XXXX XXXX He was switched to a person that Identified as XXXX ID XXXX. 
XXXX reported at first that a document request letter was sent to Ms. XXXX XXXX   Bankruptcy attorney XXXX XXXX. My 3rd party explained that Ms. XXXX has nothing to do with this application as we are Divorced and she does not live with me. 
My 3rd Party went on to say what documents are required and he would get them to her. XXXX said to hold on and would check and see. XXXX then got back on the phone and said she reviewed the notes and no other documents were due at this time and that the file was under review. XXXX went on to say to my 3rd party as to check back next week on or about XX/XX/2019. Based on this conversation on XX/XX/2019 the file is still in review. This contradicts the XX/XX/2019 rejection letter sent to me.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I notice my credit report has unauthorized inquiries, same place but different dates XXXX XXXX XXXX Date:XX/XX/XXXX XX/XX/ :XX/XX/XXXX Type All Banks XXXX Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXXXX/XX/XXXX Type Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date XX/XX/XXXXType General Clothing Stores XXXX XXXX XXXX  Date:XX/XX/XXXX Type Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Date XXXX Type Auto Financing Companies
Consumer complaint received 2018-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I provide XXXX XXXX and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit.With this company I had two credit cards and they were paid off back last year and closed I don't know what else to do. Thank you for your attention to this matter
Consumer complaint received 2022-06-14
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. (CA)

In XX/XX/2022 I disputed an account with XXXX and Equifax about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how XXXX is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX  account XXXX
Consumer complaint received 2022-10-20
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: Alliant Capital Management LLC (CA)

This company reported a debt on my credit report that does not belong to me. My personal information was compromised some time ago ( my car was broken into and my tax returns, checks and other personal information was stolen ) and my guess is that it may have been used to open this account, not sure. Absolutely NO information whatsoever has been sent to me about this debt in the mail, so I never had the opportunity to even dispute this with the company. No signed papers, no proof or anything has been sent to me. But yet this company was able to put something on my credit report?? This kind of stuff is malicious and harmful to consumers and the fact that a company can do this is insane.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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.
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (MO)

I have previously disputed this item with Experian ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXX  court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022, I issued check # XXXX in the amount of {$1100.00} to XXXX XXXX, a painting XXXX, for a home painting project. On the same day, the XXXX tried to cash the check at the local Wells Fargo bank at XXXX. However, due to the handwritten amount on the check being for XXXX XXXX XXXX XXXX, ( which should have been XXXX XXXX XXXX XXXX ) the bank teller caught the discrepancy and would not cash the check. 

I was contacted the same day by the XXXX concerning the check and I agreed to write a new check. I issued a new check ( # XXXX ) with the correct amount which the contract took back to the bank and the check was cashed. 

Subsequently, The XXXX proceeded to also alter the original check and deposited it. We immediately alerted Wells Fargo prior to the funds being distributed, but the money was transferred regardless. 

I attempted to get the money back from the XXXX, but was not able to get any money returned or any work done. As such, the police were contacted, a warrant ultimately issued for his arrest and we are awaiting resolution. 

But for Wells Fargo transferring the money for check # XXXX over my objection and cashing a check that was obviously defective, I would not be out of the money.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CT)

I called Bridgecrest to change my payment schedule from biweekly to monthly. There's no way to change online and I should not have to pay 3 times in one month instead of my regular payment of a little over {$500.00}. I have a XXXX XXXX XXXX  that was purchased from XXXX and the loan company is Bridgecrest. I had this vehicle for 10 months and have never gone 30 days late on my payments. I already have an issue that they used some kind of spray over the car to make it appealing to buy because when we got it home there were all kinds of scratches in the bumper, etc. I was also overly charged for this vehicle. When I called I thought they had made the change to monthly payments. I received a call 2 days later saying I wasn't approved to change to monthly payments. I had no idea that I needed to be approved and when I asked why they said they did not believe that I could pay is what the rep told me. I've been paying my payment for 10 months and I have a co owner. How is it that I can not make my payments just because I want to switch to monthly payments.
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX has violated 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 furnish a account without my written instructions.
Consumer complaint received 2018-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

Please see attached documents for background information before proceeding. Blue - me, red - landlord, green - police. 

There were 3 separate wire transfers of {$970.00} ( with a {$25.00} wire transfer fee for each ) on XX/XX/2015, and XX/XX/XXXX. Among suspicions of being scammed, I called the J.P. Morgan Chase wire department to help recall the wire transfers on XX/XX/XXXX. I followed up on XX/XX/XXXX to see the progress of the recall. However, I was told that Chase would not be able to send a letter of indemnity to my landlord 's bank, XXXX XXXX, because I was the one who initiated the transfer and this was not under Chase 's definition of fraud. I filed a report with my local police department and have forms indicating that I am a victim of fraud. Today, XX/XX/XXXX, I went to my local Chase branch to see if they can do anything to help me get my money back. The banker told me that they couldn't help me for the same reason - I was the one who initiated the transfer.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX has violated 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 furnish a account without my written instructions.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX , XXXX on behalf of GE MONEY BANK is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX . A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (OK)

My husband and I applied for a loan on Saturday XX/XX/2018 the company pulled our credit reports and the notification of a hard inquiry on Equifax immediately came through on my XXXX XXXX App. I have also been able to see my equifax score and account information since equifax was added to XXXX XXXX. Today XX/XX/2018 the company sent our information to the credit union that will be completing our loan and the credit union was able to pull my husbands information but not mine. I contacted Equifax and they told me that they do not have a credit report for me. I informed them that I could see my Equifax score on XXXX XXXX  and that there was no way they didnt have a report for me. They just kept telling me that they could not find one and would not provide any solution, investigation, or information on how to resolve this error. Its like I was deleted from the system after Saturday and Equifax showed no interest in finding out what happened.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (LA)

XXXXXXXX XXXX  and Lowes have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.