davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MN)

Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine : I notified NCA of this on XX/XX/2020. I spoke with Manager XXXX XXXX. I informed him of my concerns of fraud, and he refused to escalate the matter. I was told a man named XXXX XXXX would reach out to me. I never received a call. 

Dispute-2 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 


I am the victim of identity theft and I do not recognize XXXX or more of the accounts on my report. I contested this account when it was under a different creditor. They were unable to validate its legitimacy. Then it was removed, I do not know how they were able to sell its debt to NCA. But knowingly selling false debts is fraud and Illegal. 
Dispute-3 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Got a XXXX dollar check on the XXXX, deposited it. Got a notification everything was fine, deposit went through, and after they processed it, they froze the account. I called they told me they had to verify with the account holder of the check, that was fine, I get it. However, after calling their fraud department twice, the first time they told me it was too late to fix it, and they second time they were unable to call her. apparently they can not verify people with some cellphone carriers, in this case its cricket. She called her bank, then she called capital one and they said we just had to be on the phone together. I then tried to call both their numbers, the fraud and customer service number and they blocked my phone. I have contacted the attorney general, filed a complaint with the state of Michigan. I am trying to buy a house and this might cause me to lose that option. Please help me.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$630.00} Please remove it from my credit report this account is not mines never belong to me remove it from my credit report
Consumer complaint received 2018-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I currently have two student loans with Navient, one for {$29000.00}, the other {$27000.00}. I have been paying my loans faithfully for the past 8 years since I graduated. Most of my payments have gone toward interest, and I currently owe more than the initial amount I borrowed. In XX/XX/2017, a quarter of my work hours and salary were cut, which made me unable to keep up with the burden of the {$440.00} monthly payment. I contacted Navient as soon as I could to request a forbearance, which was granted in XX/XX/2017. Unfortunately, they granted me a forbearance for only two weeks from the date of approval ( PDF attached, notice the dates ). One month later in XXXX, I lost my job due to budget cuts and financial hardship in the company. Since the initial forbearance was already so short, that was not enough time for me to get on my feet again. Even before I lost my job I was struggling with this payment because I was only making {$1700.00} per month, {$20000.00} annual salary. As it was, I was paying a quarter of my income toward these student loans, which is nearly impossible since I live in XXXX XXXX XXXX. When I called Navient in XXXX to request another forbearance because my circumstances had changed again, they refused. The employee told me that I have " no forbearance left, '' and no options to defer payments at all, ever again. The individual was unhelpful and apathetic to my requests and concerns. Navient, on the whole, has been very difficult to work with, the repayment amounts they insist upon are consistently high and debilitating, and the fact that they offer so few options for customers who can't meet their demands is completely unacceptable. Because interest rates are so high, my current balance exceeds the initial amount I borrowed by over {$11000.00}. They are now threatening me by telling me that are going to destroy my credit, and they are harassing me and my parents with collection phone calls day and night. Navient mercilessly exploits its most vulnerable customers, students and former students who just wanted a chance for an education. This company is abhorrent and I am so glad that the CFPB is taking suit against them.
Consumer complaint received 2020-10-22
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. (NY)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I HAVE TRANSACTIONS ON MY ACCOUNT THAT I DIDNT DO STARTING ON XX/XX/XXXX.

- NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX ATM ID XXXX XXXX XXXX   $XXXX
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ONXX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   CA XXXX CARD XXXX   $XXXX   
- Expand XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX* XXXX XXXX XXXX CA XXXX  CARD XXXX     $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX   CARD XXXX   $XXXX    
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX7 CARD XXXX   $XXXX  
- Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX 
-  Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ATM ID XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX  
- Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ONXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   ATM ID XXXX CARD XXXX   $XXXX  
- ExpandXX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX FL XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   XXXX FL XXXX  CARD XXXX   $XXXX  
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Scam reason : criminals offered job opportunity and a house payment. 

Wells Fargo Bank Account Name : XXXX XXXX Account No : XXXX Routing No : XXXX Swift Code : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX received {$10000.00} from my bank transfer. 
Wells Fargo to Wells Fargo.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (SC)

On XX/XX/2023 an account from Affirm appeared on my credit report with a balance of {$240.00}. I started a dispute with XXXX to resolve this issue because this balance was paid in full and loan was officially closed on XX/XX/2023. I also provided XXXX with my loan validation letter provided by affirm that states this has been paid in full. Even with supporting documents showing my payment, loan ID and other verifying information XXXX did not take this into account. The dispute was resolved with a statement saying that Affirm has confirmed that the reporting is valid. I proceeded to contact affirm on XX/XX/2023 and they confirmed that I have made the full payment and was unsure why their back office is reporting this to my credit report. I made a complaint and the representative insured me that it would be escalated and I would hear back them by email. The same day their back office contacted me via email stating that the report is valid which is incorrect. I have my loan validation letter and also bank statements showing the amount and when it was paid to Affirm.
Consumer complaint received 2018-07-28
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. (CA)

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX DBA Care Credit illegally recorded WRONG transaction amounts for XXXX   work that was done from XX/XX/XXXX to XX/XX/XXXX. I was over billed in these transactions and ALL the recorded amounts were incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX ledgers reflect these accurate amounts and the XXXX XXXX   XXXX  statements reflect the higher and wrong amounts. Interest was then charged on these false amounts. Also 38 % total interest was charged on these amounts as well. 

I contacted XXXX XXXX on XX/XX/XXXX to get all the XXXX statements sent to me for XXXX to XXXX. I also contacted XXXX XXXX   and XXXX XXXX and had them send me their statements from XXXX to XXXX. I contacted XXXX at XXXX XXXX   with a demand letter attached stating that if they did not correct these illegal transactions and over billed transactions that I would take them to small claims court as well as contact CFPB. I contacted XXXX 2 more times ( XXXX XXXX and XX/XX/XXXX ) and she would only call me back and say she was researching the matter but refused to address the issue and was avoiding me over the fraud they committed against my account. XXXX XXXX recently changed the figures again on XX/XX/XXXX to more closely fit the amounts I had stated in my demand letter so they could avoid getting sued. However, I have the original statements which accurately reflect their inaccurate transaction amounts. ( Please see attachments ) The demand letter I sent to XXXX XXXX DBA Care Credit on XX/XX/XXXX XXXX XXXX   DBA Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Re : Demand for Payment To whom it may concern Please be advised that XXXX XXXX DBA Care Credit owes me the sum of {$5900.00} to me ( the card holder ) because of the following : 1.  The charges reflected on my Bill statement are incorrect with the owed charges from XXXX  XXXX XXXX. and XXXX XXXX ledger statements. This has reflected unethical and illegal business practices by XXXX XXXX dba Care Credit.

2. My Payments have been reflected towards interest and not the Principle of the loan in a fraudulent and illegal manner by XXXX XXXX dba Care Credit.

3. Usury interest rates of 38 % and higher has been applied to my account in a fraudulent and unethical manner by XXXX XXXX dba Care Credit. 

4. On {$1700.00} for XX/XX/XXXX in Interest was applied to my account in a usury manner by XXXX XXXX dba Care Credit.

5. XXXX XXXX dba Care Credit is charging my account {$1600.00} more than what is owed plus the usury interest amount of {$1700.00} in XX/XX/XXXX and other balances totaling {$5900.00} that I do not owe. ( Overbilling )
Consumer complaint received 2018-03-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (CA)

The loan is currently being paid, however I have been notified by XXXX XXXX XXXX XXXX. on XX/XX/XXXX that I owe {$160.00} from an unpaid balance from XXXX College XXXX XXXX. I left this school about 10 years ago and advised the school I was dropping out. They never said anything about an unpaid amount. They never once tried to contact me about any debt I owed in all of these years. The school closed a couple of years ago. Then I received a letter claiming I owe this random company money from XXXX. I called them on XX/XX/XXXX and was rudely given a number for XXXX which is their sister company. I wanted to dispute this claim and both workers from XXXX were very rude. They told me to call XXXX which I did and I spoke to XXXX who was a little confused about the situation and stated XXXX bought old debts from different colleges and was forcing everyone to call XXXX. I informed him of the situation and he told me to continue to dispute them on it he also deferred the amount for now. I also emailed them of my dispute on this date and did not receive a reply. On XX/XX/XXXX I received a letter dated XX/XX/XXXX with writing saying I had 30 days to pay my amount and they dropped 25 % down to XXXX and they would not renew the offer. With the letter was records of everything owed and everything paid. When I checked the balance on the documents it said {$0.00} in two places! I also did all of the calculations multiple times and had an accountant look it over, which they stated the amount is also {$0.00}. I emailed the email address in the letter and it bounced back as undeliverable, so I tried another email. I am waiting on a response and will call again tomorrow on XX/XX/XXXX.
Consumer complaint received 2021-01-25
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. (KY)

I have been paying on this loan for my daughter 's XXXX  XXXX  expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. 

I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. 

I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. 

I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. 

I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. 

I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TX)

The first thing that happened is they marked my credit with all these late payments when the government shut down. Under the cares act it shouldnt been marked late. They offered my deferments but charged me late fees for the deferment they offered. So I payed almost 800 dollars in late fees. The Last thing they did was charge me XXXX dollars in late fees cause the check I sent was 6 days late from them time they received it.
Consumer complaint received 2019-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am making a complaint against Experian in regards to a reinvestigation that has not resolved my dispute nor under my rights under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). to get  how they verified a account was correct on my credit report. I have called Experian and requested verification of How they claim the company reported the information is accurate and I also sent in writing to Experian requesting how it was verified and have received NOTHING the first investigation and now on the reinvestigation.
Consumer complaint received 2021-04-08
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. (CA)

There are five accounts on my credit report that are not mine I have gone thru this with XXXX XXXX XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX XXXX XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

Our assets from our Coinbase accounts were stolen from our account XX/XX/year>2024. A timeline of what happened is below. 

1. Last week we sold a number of our assets on XX/XX/XXXX. We got a notice that they will be available within 3 to 5 business days. 
2. Today we called this number, XXXX, to see how we could get access to our sold assets. We googled for the Coinbase phone number, and that phone number came up. 
XXXX. A person walked us through settings up a Coinbase wallet in XXXX and how to move our sold assets to the Coinbase wallet. 
4. The assets we moved to the wallet, and we received the emails below. 

The first email below is what we received when we moved our sold assets to the newly created Coinbase wallet. We did see that the sold assets were in our Coinbase wallet. 
We also set up our wallet account by scanning in our license and taking a video of my face and recording. About an hour later we received the second email below which we did not authorize. Now are wallet account has {$0.00} and our Coinbase account is almost down to {$0.00}. 

We have locked our Coinbase account and changed our password for our Coinbase account and for our email address. 

First Emil received from Coinbase. 

You sent XXXX USDC via XXXX network To : XXXX If this wasnt you, lock your account immediately. Then, change your password. 
Lock my account View transaction Coinbase 2024| Coinbase Inc. 
XXXX XXXX XXXX # XXXX | XXXX CA XXXX | US NMLS ID : XXXX Coinbase is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. 

Second Emil received from Coinbase. 




You sent XXXX BTC via Bitcoin network To : XXXX If this wasnt you, lock your account immediately. Then, change your password. 
Lock my account View transaction Coinbase 2024| Coinbase Inc. 
XXXX XXXX XXXX # XXXX | XXXX CA XXXX | US NMLS ID : XXXX Coinbase is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.