davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

I acquired the cryptocurrency called XXXX ( XXXX ) and sent it to my coinbase XXXX  address. The transaction on my crypto.com XXXX address says that it was successful, however, the XXXX never arrived on my coinbase account. After doing some research on the XXXX XXXX, turns out the XXXX on crypto.com is the native version and the XXXX on coinbase is the XXXX version ( XXXX token ). In crypto, you can not send a crypto from one blockchain to a different blockchain without converting it first. The main issue i have with this situation is that coinbase did not notify people that the XXXX on their exchange is the XXXX ( Ethereum ) version of the XXXX, not the native version. Long story short, I lost my funds and want them back. There is a simple solution to this problem, however, the user would require their private keys from their wallet, however, coinbase does not provide their customers with their private keys. When attempting to contact customer support, everything is automated, and none of the automated answers can help me with this particular issue that can be solved in minutes if I could talk to a real person. At the very least, they could at least list both the XXXX XXXX  version and the XXXX  native version and make it OBVIOUS that they are both different to prevent mistakes like this from happening again. XXXX and XXXX did this by simply placing a " XXXX '' in front of their wrapped currency ( XXXX and XXXX respectively ). Wrapping is simply making a native currency functional in the XXXX blockchain.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AVANTE (TX)

In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX  and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws
Consumer complaint received 2023-02-23
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: Maximus Federal Services, Inc. (FL)

XXXX and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that AIDAVANTAGE produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following AIDAVANTAGE Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2022-09-17
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. (MD)

I sent Equifax the attached letter on XXXX XXXX. Equifax received it XXXX XX/XX/22. The certified mail tracking number is XXXX. Equifax has defamed my character. Remove these accounts or I will bring legal action against Equifax for defamation of character.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and needs to be resolved.
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

As suggested by Citizens bank manager, replaced mortgage with HELOC ( XXXX ), and twice with new HELOC ( XXXX, XXXX ). HELOC at 4.99 %, XX/XX/XXXX. 
Applied for 2.75 % mortgage with XXXX XXXX  to replace Citizens HELOC Mortgage application blocked, " prior Citizens loans paperwork not completed '' Managers at both Citizens and XXXX XXXX  unable to obtain information needed to from Citizens in order to complete the application. 
Lacking a successful outcome or reply from Citizens administration, I paid XXXX XXXX  attorney fees and title search fees. 
Letter to Citizen CEO, responded within days with completion of required paper work -- after 9 months and considerable expense. 
I requested reimbursement of my expenses, payment to Mortgage bank for their legal work, title search, difference in interest rates loan, professional time. 
Discussion with Citizens administration office. They flatly refused to reimburse my expenses.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NJ)

I received a debt collection letter from Stillman Law Office for a debt that is not owed. When I contacted Stillman Law Office to dispute the validity of the debt collection, they were rude and would not continue the phone call. This is an apparent fraudulent company and they should not be allowed to cheat innocent people. 

I have confirmed with my medical insurance as well as the medical provider that these monies are not owed nor was my file sent to collections.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I started receiving phone calls from Portfolio Recovery Associates starting XXXX 2017. They stated that one of my credit card companies - I *think* XXXX XXXX - sold a delinquent balance to them for collection. I believe this is a scam. The one time I spoke with them I asked for a statement or official documentation but to date I have not received anything nor had I received any communication from the financial institution prior to PRA harassing me. During that call the woman I spoke with asked me to make a payment over the phone which I promptly refused to. I stated that I do not owe this money because all credit cards were managed by a debt management program - XXXX - which was completely paid off in XXXX 2017. XXXX XXXX was o

ne of the credit cards included in that program.

Portfolio Recovery Associates has called me numerous times to the point of harassment. The city they call from is XXXX XXXX, TX. I do not answer my phone from any phone number ( s ) from that city. They have never left a voicemail. 

The dollar amount owed that is shown on my credit report is {$240.00}. 

I kindly ask for your help in resolving this. 

Thank you.
Consumer complaint received 2018-07-24
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: NAVY FEDERAL CREDIT UNION (NY)

NAVY FEDERAL CU I never had a navy account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit.

Balance {$16000.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NY)

Recently, I, XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX XX/XX/XXXX, I applied for VISA SIGNATURE FLAGSHIP REWARDS CREDIT CARD As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document. 

I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.
Consumer complaint received 2019-06-08
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Recoveries, Inc. (CA)

National Recoveries is sending me collection letters for a someone I dont know, and no one answers the phone at the number on their letter. Ive sent 3 requests to the email on their website to remove my name but the letters keep coming every few days.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

In XX/XX/2015, I submitted paperwork for the XXXX   Loan Forgiveness ( for the amount of {$17000.00} ) program to Navient. I received an email from Navient that they received my paperwork. Nothing happened after this. There was no follow up from them and my loans were not placed into forbearance. I had tried to call Navient but was constantly put on hold. Until recently, I did not know what to do about this.
Consumer complaint received 2018-10-02
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. (GA)

On XX/XX/2018 I filed a complaint with CFPB because Equifax was not reporting my payment history from-XXXX XXXX And XXXX XXXX Now that the case has been closed my score was decreased by 71 points and Equifax is not showing payment history on both of my XXXX XXXX account and, correct Credit limit from XXXX XXXX and XXXX XXXX balance is incorrect and no payment history is showing ..

Now because I am An XXXX XXXX female and I report an error to CFPB I am being discrimimated suddenly. Now I am seeking an attorney because Equifax not being fair and they are not reporting my information correctly.
Consumer complaint received 2017-12-16
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: NAVY FEDERAL CREDIT UNION (FL)

I contacted navy federal on XX/XX/XXXX and sent a request to be removed as an authorized user from account. navy federal then promised to have me removed and also for the trade line to be removed from my credit report navy federal never removed the account as promised and this is impacting my credit as this is not my account and I was not liable.
Consumer complaint received 2020-11-19
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: NAVY FEDERAL CREDIT UNION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (AL)

I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting act XXXX 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 2022-09-17
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. (MD)

I sent Experian the attached letter on XXXX XXXX. Experian received it on XXXX XXXX. The certified mail tracking number is XXXX. Experian has defamed my character. Remove these accounts or I will bring legal action against Experian for defamation of character.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/24 RE : Rescission of Security Interest and Revocation of Authorization - Vehicle VIN : XXXX To Whom It May Concern, I, XXXX XXXX , acting as the Agent of XXXX XXXX XXXX , am writing this letter to formally rescind the security interest previously granted in connection with the New Jersey XXXX XXXX XXXX XXXX XXXX XXXX : Mercedes-Benz XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) pertaining to the vehicle identified by VIN number XXXX. 

Specifically, I hereby revoke the security interest previously granted under the provisions outlined on Page 9 of the lease agreement, specifically in section 35, subsections ( 1 ), ( 2 ), and ( 3 ). This includes any authorization for Mercedes-Benz Financial Services ( MBFS ) to receive refunds of unearned premiums or charges on my behalf and apply them against the amount owed under the lease. 

Furthermore, I hereby revoke the power of attorney granted to MBFS as listed on Page 9, Section 36, to act on my behalf in any insurance/coverage matters related to the vehicle, including the endorsement of insurance proceeds checks or drafts and the cancellation of optional insurance/coverage financed under the lease. 

Additionally, I revoke the Vehicle Location Consent as outlined on Page 9, Section 37, thereby withdrawing any consent for MBFS or its agents to obtain data from the vehicle, including its location, and to use such data for the purpose of locating the vehicle, including for repossession. 

Moreover, I hereby rescind any security interest granted to Mercedes-Benz XXXX XXXX XXXX Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to be beneficiaries of my credit life insurance. 

Finally, I revoke any security interest from the title of the aforementioned vehicle. 

Please consider this letter as formal notification of my intentions, and kindly confirm receipt of this correspondence. Additionally, please ensure that all relevant parties are notified of the changes outlined herein. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (UT)

XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.