davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

On XX/XX/2020, I noticed a collection account from SUNRISE CREDIT SERVICES listed with the three major credit reporting bureau ( XXXX, XXXX , & XXXX ) with an opening date of XX/XX/2020 in the amount of {$3900.00}. This company never once followed the FCRA by contacting myself to verify the legitimacy of this debit. If in fact I was given the opportunity, the listed company would have been informed I have no knowledge of conducting business with this company nor a binding agreement of any debt owed directly and/or indirectly to this company.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I made an account on XXXX and tried to link my XXXX XXXX  account. 
However, it shows the message that the CFPB blocked my XXXX XXXX account. 
I do n't know the reason why it is blocked. 

please help me! 

thanks,
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and XXXX more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX  just reported to XXXX and Equifax that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.
Consumer complaint received 2020-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

National Credit AdjustersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Toll Free : XXXX www.ncaks.com I got contacted by this collection agency National Credit Adjusters, stating that I need pay this amount XXXX, The company stated that I took out a payday loan back in XX/XX/2012, and I never did. This is over 8yrs ago this is written off and they should not be contacting me at all.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I saw an advertisement online for an Experian credit report, with FICO score, for {$1.00}. The advertisement indicated I could cancel online at any time. When I went to try and cancel the account, I found there was no way to cancel online. With some difficulty I found an email address. I emailed Experian indicating they should cancel my account. I received no response. I called the phone number to use the automated service to cancel. They were closed, and the automated service was unavailable. Experian has deliberately made it difficult for consumer to cancel their services, while advertising erroneously that consumers can cancel easily online.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc (GA)

They keep calling for a XXXX XXXX which is not my name or anyone I know. They are calling to collect a bill from a hospital, they call very frequently and from different numbers after I block. I also receive a TON of spam calls and texts every day, I block all numbers and it seems like even more come the next day and I have been on the do not call list for over 2 years!
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (IL)

I do not understand what they mean that it will be deleted in XX/XX/XXXX but no specific deletion date. A little more explanation would be appreciated. Also, why is it every month that it is being added that I was just delinquent with the account. Like for XXXX it keeps alerting me that I have been recently delinquent and when I click the alert it shows XXXX XXXX. I still believe XXXX XXXX is not following the laws for reporting and FDCPA. I have never see anything truly validation and or verifying this account. I have asked for those documents to prove that it is validated and verified but nothing XXXX XXXX keeps ignoring my letters. Just like that one woman said on the phone if I keep sending letters she will ignore them. I thought that was against the law. 

I have tried multiple times to get this account fixed and resolved but when XXXX XXXX states one thing and does another it pushes me to keep reporting the illegal actions they have done. Threatened me when they first contacted me in later part of XX/XX/XXXX, by saying that if I do not pay this now I will have a hard time for 7 years to get any credit or jobs. I asked them to at least verify the account. I sent in letters trying to see if the company can validate and verify this account is mine. I never got a response back but only more and more phone calls trying to get me to pay this bill. But avoiding to fulfill my requests which is my right by the FDCPA.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I am writing today in regards to my account with CITI account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2018-02-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (TX)

I am writing to request assistance in an issue I am having with Selene. I really need my document from XX/XX/XXXX. I believe it will be XX/XX/XXXX. My underwriter has requested it and I can not find my copy. We were supposed to close XX/XX/XXXX and I called XX/XX/XXXX to request copy of this completed document to be emailed to me. The girl I talked to said she would put rush on it because my lender wants it. The sellers are anxious and have already worked with us and now are saying that they can not wait until Mid XXXX to find out if the document arrives. I say mid XXXX because today XX/XX/XXXX, when I followed up the girl I talked to said it was scheduled to be mailed XX/XX/XXXX. 

When I called in Monday I talked to a gentleman that said he would send it to printing and it would likely go out that day. Now I got a letter saying it could take 30 days to review request. The gentleman said he found it and do I dont understand the delay. 

I am begging you for assistance in this matter and praying it does not take 15 days to hear back from you. I can take a unofficial copy. I am renting house I am trying to buy do not getting means I have to move. Please help me. 

I eagerly await your assistance
Consumer complaint received 2015-07-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfilio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

PRA sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

PRA is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like PRA to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

Chime bank also known as the XXXX bank allowed money to be taken from my account fraudulently and dont want to refund my money when Ive submitted all the documentation needed which clearly shows I had no knowledge of the transaction and yet the refuse to reimburse me which seems to be a common tactic for them based on reviews
Consumer complaint received 2020-07-13
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: CREDIT ACCEPTANCE CORPORATION (AL)

In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC (CA)

I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my debt.
Consumer complaint received 2021-07-13
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachments
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC (OH)

The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive " that the statues do not apply to them, they called again today after another cease and desist from a new number XXXX, the harrasment has to stop the debt is no longer enforceable, and the do not care about the consumber protection laws
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

I have been paying my loans faithfully through XXXX, but it seems nyshesc hires or sells defaulted loans to different collection companies. My wages are being garnished by XXXX XXXX XXXX XXXX, but as I mentioned I have been paying my loan faithfully. I need this garnishment removed from my employer 's payroll. Reference number XXXX. I had a XXXX and I have an XXXX XXXX, worrying about this company and other companies hired by nyshesc is making my condition worse. I might end up homeless. Please stop this abuse. I already wanted to XXXX XXXX because I see no light at the end of this tunnel of sharks after money that I have been paying. Maybe that is the best solution. Then they can't rob me any more. I'm paying and they are still garnishing please I beg of you, stop this garnishment.
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I received postal notification from Cashnet stating that I owed {$1200.00} reference number XXXX which is a personal loan that was approved on XX/XX/XXXX. This was the work of a hacker who stole my information and used it to withdraw the above amount. I did not receive billing for this account until approximately XX/XX/XXXX. I spoke with a representative concerning this matter, and was told to file a police report then wait on an additional billing statement then contact customer service once the letter was received.
Consumer complaint received 2018-06-09
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: Asset Management Outsourcing, Inc. (FL)

XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX  finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
Consumer complaint received 2018-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion File number XXXX Dated XX/XX/XXXX page 3 of 12 has shown for the month of XX/XX/XXXX no balance or nothing showing but have me as 30 days late. I paid my balance off in full and it did not go past no 30 days. 
TransUnion has nothing for the month XX/XX/XXXX in the box as the rest of the year showing but every month going back for past 2 years show a balance or ) balance but for the month of XX/XX/XXXX there is nothing and is in error
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (OR)

We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.