davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ZENCO COLLECTION, LLC (SC)

ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I submitted a wire transfer from XXXX to Chase on Sunday XX/XX/XXXX ( both accounts involved were my own ) XXXX confirmed chase had received the transfer Monday XX/XX/XXXX. I looked over the transfer and realized I had mixed up two of the numbers in the account number. I called XXXX they submitted a recall and then the next day an amendment to the wire transfer. On Monday I spoke to a Chase representative who assured me that even if the account number did exist and belonged to another individual that the transfer would be denied and refunded back to XXXX because the name and address of the beneficiary is not that of the account holders. They assured me that the money would be back into my account by COB Monday. I called on Tuesday to Chase as the wire hadnt been returned and they assured me the same thing, that the money would be sent back to XXXX because of the information discrepancy. I was also told that they could see on their computer that Chase had received a {$2500.00} transfer request to the incorrect account number and that it would be declined and sent back that day for either that account not existing or the name/address discrepancy. I caned Chase on Wednesday, I was hung up on 3 times after they told me twice ( two different reps ) that Chase had never received a wire transfer to either of those accounts for {$2500.00}. I informed them that a rep confirmed it a day previously that they had received it and it was in processing and would be returned the day before, the rep then proceeded to put me on hold and disconnect the call after 40 minutes. XXXX told me that same day that they have tried to reach out to Chase as they havent received the wire transfer back and that Chase has not contacted them at all. I escalated a formal complaint with Chase and still have not received any other word on where the wire transfer is that has been confirmed received by BOTH banks and have been specifically told by Chase that they DO have the wire transfer for them to proceed the next day and tell me they never received a wire transfer for that amount ever for my account nor the account number I accidentally put in ( if it was an actual account with them ). XXXX is still working on recalling the money and cant get Chase to respond, I was told the next steps are to trace the money and further pursue a recall from Chase.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX in XXXX VA to do a trading of a XXXX Elantra that he bought in XXXX XXXX. My husband previously spoke on the phone with the same seller who sold him the Elantra and made him clear That he wanted to have a payment that was not higher than the one he was already doing. My husband decided for a Santa Fe XXXX and when starting with the transaction, the seller told my husband that as his credit score was very low, he did not qualify for financing and I was not working ; Nor could it be done in my name. Then it was decided to make a lease and they asked me to serve as co-signer and they asked me to fill out a sheet to verify my credit. I signed the document although I did not understand much English ( I speak Spanish because I am from PR ) and the transaction was approved. We signed the contract with XXXX XXXX XXXX and signed the documents as Co-signer and left the dealer with the car. After several days, we received a call from XXXX XXXX again to tell us that the contract had gone astray and that we needed to go through the dealer again to sign. When we went, XXXX XXXX told us that there were no changes, that was just signing the same and then I came back to say as Co-signer. To my surprise, a few days later two transactions appeared in my credit history that I had started a purchase of a car in my name. I checked with the dealer and they said no, that only one transaction had been made. Now I have just received a report that the day after the purchase, a credit application was made again at my name for the same vehicle. I started to investigate with Hyundai Finance and it turns out that the dealer put me as the person who was buying a car, and now I appear as de Primary- signer. I will like you to investigate this as a fraud because two weeks later my husband told me he wanted a divorce.
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Hello, Earlier this year I had financed a vehicle at the XXXX XXXX XXXX of XXXX Oklahoma. They did not follow Truth-in-Lending requirements. I asked " can you explain to me how your APR works ''? their response to me was ; " you can probably explain it better than I can ''. Being I wanted my truck back I nodded along. There is also a requirement that I have the mouse in my hand checking boxes in the financial document while the finical officer of the company explains things to me. 
The credit company that did accept me as a new client to provide financing for me loan was Credit Acceptance Company. I contacted them after I had made 3 monthly on time payments. I was even making mid-term payments. I asked them " can you help me with licensing this vehicle so I do not have dealer tags on it, and can legally drive it around with my full-coverage insurance ''? I then went on to further explain to the person from credit acceptance company I was speaking with the something I explained in the previous paragraph of this complaint. The person on the phone in a low tone apologized to me, and cleared this transaction, and credit look up from ever taken place on my credit history. 
This is the time I called the dealership XXXX XXXX XXXX of XXXX Oklahoma. The dealership told me they were having troubles locating the title for my vehicle. I played phone tag for about a week. My mother was the previous title holder. Her and I drove to the XXXX XXXX XXXX ( Oklahoma version of DMV ), and we preformed a title exchange there claiming the truck as a gift because there was no money exchanged between her and I. I have a title from the state of Oklahoma that has my name, and my name alone on it. This truck is legally mine now. 
XXXX XXXX XXXX of XXXX is claiming to have a mechanic 's lien on my vehicle in my dad 's name because he is the person who traded the truck in. How do they have a lien on a vehicle that is in someone else 's name? 
My conclusion that being the truck is mine, and XXXX XXXX violated consumer protection laws via not explaining all the elements of the loan contract to me. I mentioned that I was interested in finance to the person conversationally, and suddenly they no longer need to explain elements of the contract to me? Being I am poor I would love it if I could receive some kind of assistance to make XXXX XXXX learn that when the form says the client has to check the box ; the client has to check the box. I also feel I should have had some kind of official summons been severed by an officer of the law with a legal document as they occasionally due in their line of work. 
Thank you for your time and considerations, XXXX XXXX.
Consumer complaint received 2022-03-03
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. (MI)

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 2021-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

My account on the Coinbase website has been under review since XX/XX/2021. 
I can not sell, buy or withdraw my money. I have contacted the technical support to unblock my account but they do not give me any solution ( attached conversation ).

When I open the Coinbase website I get the following message : ( Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ) Six months have passed and there is no way to fix the problem.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}
Consumer complaint received 2019-10-23
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC (LA)

I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and TransUnion credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient has consistently misallocated my student loan payments. After causing this issue themselves they begin harassing me with at least 3-4 phone calls a day in order to collect payment on loans that have been paid and should be current. When I call them to resolve the issues their representatives never fail to prove themselves incompetent in handling affairs they should have a great deal of specific training for and experience in, either making the issue worse by misallocating even more money or simply not understanding how to deal with the problem in the first place. One thing you can be sure of is that something that should have been taken care of in one call will need atleast a 2nd and 3rd call to get close to being resolved. 
In my most recent interaction I called about a delinquent loan. I spoke to 2 different representatives who were right next to each other at the time of the call. I mentioned that my payments were not being applied correctly and the first representative 's solution was to move a payment amount FROM the delinquent loan TO a current loan in order to fix the delinquent loan. I pointed out the obvious, saying this made absolutely no sense multiple times and questioned both representatives as to how this would actually fix anything. They could not give me a specific answer but reassured me that the problem would indeed be corrected. Here I am 3 days later, the delinquent loan is now even further past due and states that instead of owing less than XXXX dollars on it I now owe almost XXXX dollars towards the loan. I now have to waste the time calling back to deal with another representative who I have no confidence will have any idea how to handle the situation and correct the errors as per my usual experience in my 10 years of repaying these loans with XXXX and now Navient and deal with the XXXX of these XXXX which is exacerbating symptoms of my XXXX during a time when I am not even able to work because of it.
Consumer complaint received 2018-03-22
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help (TX)

I did not send any paperwork to FedLoan Servicing company or personally request   XXXX   to send them documents for me. I would never ask   XXXX   to do such a thing as they recently stated in their response. A representative of  XXXX  in   XXXX   2017 stated to me that " someone had emailed them paperwork with my name attached on the document. "   XXXX   is taking upon themselves to falsify documents and I hope that such a company will be held accountable for their ill actions. For   XXXX   XXXX   constant wrong doing against innocent people such as my myself I would like them to face charges due to their overall negligence in the matter. I,   XXXX   XXXX  , sent certified documents to  XXXX  in  XXXX  2017 with my authentic signature on my own will and accord in which I did not email them any forms to them ever like they have stated several times now. In   XXXX   2017 I did not reach out to any companies requesting they send   XXXX   or FedLoan Servicing documents on my behalf.   XXXX   is being allowed to run a scale operation and scam with fraudulent activities while affecting the many lives of so many others such as myself. This type of malicious harm against innocent people has to stop and I hope you 're bureau will help in bringing justice!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2017-06-12
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. (NY)

on  XXXX / XXXX / XXXX , I requested Experian,   XXXX   and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NM)

Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified