davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.
Consumer complaint received 2019-02-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Dear Sir, Madam Once in a while, I used Money Gram 's express payment service to pay my car financing company. So, I did again on XX/XX/XXXX. I went to XXXX and paid to have a Money Gram express payment sent to my financing company. This company did not get paid. So, I set up a payment arrangement with it and headed, about mid-XXXX, to XXXX to get a refund of the {$360.00} ( before taxes ) that I sent to the financing company. I could not find the receipt, and did not have my phone with me. So, XXXX  offered me to use its phone to talk to Moneyram ; which I did. The gentleman at the other end of the phone told me that because I did not have my receipt, tough he found record of my transaction, the refund will be available to pick up at XXXX   only after 10 days from that middle of XXXX when I spoke to the Moneygram 's gentleman on the phone. So, on the XXXX of XX/XX/XXXX, I called MoneyGram to make sure that the refund was processed. The Money Gram 's representative told me that it was not done yet, but by the XXXX of XXXX, I will be able to pick up my refund at XXXX. On or about that date, I called MoneyGram again. This time the person who entered the phone told me that I should not have included week-ends in my computation. ; that instead to expect the refund on the XXXX of XXXX. So, today, I called again and was told to call in 3-4 days. Then, I thought to myself that something must be very wrong. I tried to reach Corporate office ; left a message, sent another one ; tried to chat. The lady at the other end of the chat, XXXX, wrote that she was not able to help me., without giving me any reason. So, my suscipions only grew. I have already noticed that MoneyGram 's automatic answering machine was not able to recognize the reference number on my receipt, each time I called. I have been doing business with MoneyGram for more than 10 years, I believe, and nothing like this ever happened to me. So, I am asking for your help, to, please get my money back. I thank you for your time and attention. Regards, XXXX XXXX XXXX
Consumer complaint received 2016-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

My wife and I have filed paperwork multiple times with FedLoan Servicing to have our billing combined. This has never happened. I also submitted a large sum payment 2 years ago, and have been trying to get FedLoan Servicing to bill me monthly rather than simply treating my loan as paid ahead. On XXXX XXXX, 2016 I notified FedLoan Servicing of these issues using their online " contact us '' email system. I explained the issues, and asked that they contact me as soon as possible. Other than sending a standard automated response almost immediately after I submitted my online email, FedLoan Servicing has never provided a substantive response to my request. 

My wife had a very similar experience with FedLoan Servicing a couple of years ago to discuss adjusting repayment options after I lost my job. She even filed a complaint with the Department of Education 's ombudsmun because it seemed they did not want to take any actions that would help us pursue income based repayment options reflecting our adjusted income at that time. In response, FedLoan Servicing lied to the Department of Education and claimed they had responded to my wife 's email, although they never had. I share this because FedLoan Servicing seems to have a lengthy history of disregarding communications, offering consumers the illusion of a convenient communication option but then ignoring these communications. It seems likely that this keeps students in repayment plans for as long as possible that are beneficial to FedLoan Servicing under its contractual agreements as a loan servicer, as opposed to actually performing the function of servicing federal student loans. 

No company should profit from servicing loans on behalf of taxpayers in such a poor, underhanded manner. FedLoan Servicing should provide adequate customer service and if the organization does not want to respond to messages submitted via its online log in system, then it should not even offer this as an option as it is a bait and switch. It makes consumers believe they have initiated a communication to address a problem, only to follow up and then continue to be ignored. It 's absurd and must stop.
Consumer complaint received 2019-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I received form XXXX from Coinbase, Inc. and the form shows excessively inaccurate transactions proceeds of {$770000.00} for the year of XX/XX/XXXX. My own records for all sales proceeds in XX/XX/XXXX only add up to about {$110000.00}. I also used the reporting service from a company named XXXX XXXX, which is contracted by Coinbase itself, to get an official tally of all my XX/XX/XXXX transactions. Their reported gross short term proceeds for XX/XX/XXXX from my Coinbase Pro is {$110000.00}. I immediately contact Coinbase customer service department and they told me I need to submit my complaint via email. I did so and got a case # XXXX. About a week later, the case got closed with no solusion offered. I opened another case # XXXX, and I was informed that my case had been forwarded for review. A few days later, I got a notification that the case has been resolved, but did not specify how, and what I would receive from the company. Therefore, I had to open the third case # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a similar notification like the last time stating that the issue had been resolved and the case was now closed, and nothing further could be done. After the third attempt, I didn't know what to do because their customer service representative will not discuss about my tax form over the phone, and submitting request for review of my transactions via email didn't take me any where. I would really appreciate if you can help get the company to respond to my complaint, because I have been losing sleep and very stressful because I'm afraid this will create a big problem for me with IRS. 

Thanks, XXXX
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (PA)

I'm having difficulty finding housing and an agent told me that having a Charge Off on my report is why. I assured him I havent any. Apparently, when I contacted Ginny 's Catalog in XX/XX/2017 and paid off my outstanding bill AFTER Ginny 's expressly assuring me that in exchange for settling the account, They'd remove it from my credit report. They lied, Its on all 3.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-14
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: Experian Information Solutions Inc. (VA)

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) First Progress Card, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions (TN)

XXXX XXXX from JPL Recovery Solutions has called 2 ex family members asking about me. I want this stopped this is illegal and I never have anyone permission to talk to anyone about me. They are putting my job and custody of my kids in jeopardy. This must stop now!!
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/19 : deposited {$5000.00} check from XXXX into our Bank of America checking account via ATM. Immediately informed that there is a deposit hold : funds available XX/XX/19 XX/XX/19 : funds deducted from XXXX account. Still see deposit hold XX/XX/19 : bank officer states he can do nothing. Advised try using the app to resolve. Did that. Told hold would be in effect until XX/XX/19. 
That is 11 calendar days or 8 banking days. Were a consumer to do this, it would be check kiting, with BofA it seems policy
Consumer complaint received 2019-02-14
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/XXXX I notified XXXX, Equifax, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My current mortgage is under my name and my XXXX XXXX XXXX name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I started the process in XX/XX/2018 and was told that it will take 60-90 days. Bank of America keeps asking for different documentation and documents that they know it is not available. Then they closed this application as incomplete in XXXX knowing that the court document won't be available 2 weeks later. Now the application is open again. They again asked for documentation that is not available because this case is in court. My credit very well qualifies. The bank has qualified me for a full refi ( closing costs over { {$5000.00} } ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me. If I started a refinance application with another bank, it would only take 30-45 days. It has been 5 months and the application is not approved.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Bank representative was well aware of elder financial abuse and did not take steps to prevent continued exploitation. Representative disregarded & allowed abusers to fraudulently revoke a durable power of attorney put in place to protect the elder from continued financial exploitation ; further allowing those responsible for the theft of more than {$6000.00} from the elder 's financial account during the period XX/XX/2018 to XX/XX/2018, to open another account in the elder 's name willfully accommodating continued theft and financial abuse. The representative and the branch have been complicit in exposing a XXXX year old XXXX XXXX patient to further risk, and have not followed procedures for reporting this issue to the appropriate internal fraud / legal units. As the Principal Agent named in legitimate Durable POA, I was not notified of the closure of a valid account set up for the elder 's protection, nor was any due diligence conducted on behalf of the bank to identify the validity of a fraudulently submitted POA revocation presented by the individuals known & identified to be responsible for prior abuse. The behavior of the bank & its representative were unethical and reckless causing financial harm to client. A formal police report has been filed identifying the representative citing his willful blindness, as well as the individuals responsible for the theft of the elder 's funds. Additionally, a report has been filed with XXXX Elder Protective Services naming the abusers and the representative at Citizen 's Bank given the negligent aid in the continued unauthorized and unlawful theft of a vulnerable person 's limited, financial assets.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

This is after case XXXX. Navient responded and confirmed most of the problems I reported. However there has been no actions to fix or compensate the previous issues. 
Since then I have cancelled Auto-pay, changed the over payment option to Pay down the principle ( which is what I had ORIGINALLY chosen ), AND un-grouped the students loans for better visibility and tracking. 
I also paid off a large chunk of the loans including complete re-payment of one of the loans. At this point, there are currently 2 loans completely re-paid. 
After doing these changes, my minimum monthly payment went from XXXX {$400.00} a month to > {$710.00} a month. No explanation or reason provided. I only thing I could assume from this change is with the over payment choice. However my PRINCIPAL DID NOT CHANGE ; there is potential for missing funds. 
I called Navient last week about the situation. I was on hold for about 2 hours before being able to speak with someone. 
The representative looked at the situation and responded with " Hmmmm ... .that is not right. I don't know what is going on with this '' and " I will get it fixed for you ''. She reported submitting the situation to be fixed ; getting the minimum payment adjusted. The representative also shared that it would show up on my account within a few days. 
I have seen no changes to my account and there has been no further response.
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (TX)

On XX/XX/XXXX I received my first phone call from XXXX XXXX at USI Solutions Inc . He told me he was looking for my husband for an unpaid XXXX XXXX XXXX Visa card from XXXX. He said the unpaid balance was {$3600.00} and asked that I pay it. I told him that no I would not pay it, it is not my debt, and I have no knowledge of this. I told him I would let my husband know. 20 minutes later my father called and told me that XXXX XXXX was reaching out to him as well regarding his son-in-laws supposed debt. He called my father AFTER I talked to him. During this time my husband is travelling for work but I sent him a message with phone numbers, reference numbers etc so he can handle the situation. I called XXXX XXXX back after he called me again and I told him he needed to stop calling my family members. He put me on hold to talk to his supervisor, XXXX XXXX. After talking to XXXX and telling him that they have done nothing to legitimize their claim that my husband owes a past debt from XXXX he offers a settlement of {$1000.00}. I reminded him again that I was NOT going to pay this as it was not my debt. I told him that we have not received any correspondence prior to XX/XX/XXXX and he told me its because the attorney, Mr. XXXX 's business went out of business and Mr. XXXX himself has passed away. I told him again nothing you have said legitimizes this. He told me he would have someone send me a letter. I received a letter but as there has been no correspondence regarding this prior I did not open the letter afraid it may be spam. XXXX also asks if me and my husband are separated which I told him was none of his business. No we are not separated. My husband calls and talks to XXXX XXXX on XX/XX/XXXX. I am unsure what the conversation was as he is travelling for work but on XX/XX/XXXX XXXX XXXX calls my office. He told me I was responsible for the debt because I live in a community property state. I got married in XXXX and I do not take on the liability of my husband 's " supposed '' debt prior to our marriage. He called me AFTER speaking to my husband who they claim owes the debt. I told him all of this and the call ended with me telling him to not call me again.