davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VA)

I attempted to retrieve my 1099 Tax Forms from Coinbase however their systems refuse to allow me access to the forms. Their systems are demanding I donate the last of my crypto holdings however there seems to be no other way to access the required tax forms. 

I attempted to go through their live chat and their phone support however there seems to be no resolution available from these agents other than generic canned responses.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2020-05-28
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: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I am being taken for a garnishment by this company and I have no idea who they are. This debt is not listed anywhere on any XXXX credit reports. I have tried to call them several times to get information and no one answers the phone or returns messages. I last attempted to call this company again after I was served this week and was told they are garnishing me and why would they do a settlement offer when they can just take my paycheck and then hung up on me. I tried to call back at least XXXX more times and they would not answer. Also the name that is given for the company is totally different than the name of the company listed on the garnishment paperwork and when I asked them if they were a debt collector they told me I just wan na agrue and that they are not a debt collector. I have not received any letters from this company and again they are not listed anywhere on my credit report. They flat out refused to provide me with any information on this debt but trying to garnish me for XXXX dollars. When you call the recorded line says you are calling XXXX XXXX XXXX, not the name listed on the garnishment.
Consumer complaint received 2023-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CT)

Sallie mae is corrupt. 
I have tried to talk to them about a reasonable repayment plan on several occasions since XX/XX/2022. They in no way want to work to support me. Instead they have me repaying at a variable rate so I dont actual know how much XXXX  pay each month. XXXX addition, I recently got divorced and am on XXXX income. They have no income-driven repayment option which is also ludicrous. 
I can not pay the amount they want, nor can I pay an amount that is not fixed ( XXXX month its {$590.00}, then the next month is {$780.00} ). I am a teacher and make less than {$60000.00} a year. There are all these federal programs for student loan forgiveness for XXXX, and nothing for private loans. This seems really unreasonable and unfair. People want teachers but have little to support situations like this. Why can Sallie Mae continue to XXXX people in like this and then when its time to repay be XXXX  to the client?
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TN)

XXXX XXXX had my loan and I had applied for covid relief and was approved in XX/XX/XXXX. Once approved and XXXX sent the check to XXXX mortgage mid XX/XX/XXXX they had changed my loan to lender Specialized Loan Servicing. Who sent me papers in XX/XX/XXXX. Once I contacted them and explained the situation they put a hold on my account as they were new lender and I advised XXXX had sent a check out to XXXX XXXX  in XXXX. They said contact XXXX about issue but they had a hold on account. I called XXXX and notified them of the new lender Specialized Loan Servicing and they stated the check had been returned and to send them papers from new lender and they will get check rerouted. I sent this in XXXX also. Contact XXXX loan and told them XXXX stated they would reroute the check. This went on and on for few months the back and forth until XX/XX/XXXX and the check was reprocessed and finally received from XXXX in amt of $ XXXX which paid mortgage up to XXXX of XXXX. Called Specialized loan and followed up and they stated as well payment received and up to date so the issue is how they reporting late to my credit which is against Federal Law when they just came into the picture and the account was on forbearance.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (TN)

XX/XX/XXXX, an Alliant Banking representative by the name of XXXX XXXX sent an UNSECURED email with all of my PII information included to me, when she was simply supposed to send proof that travel alerts were put on my account. I never expected to get my full SSN in the email. My info was breach and I am afraid that my identity could stolen or worse. The link below contains the email XXXX sent to me and I have covered all of the PII for security reasons. The card number that you can see has been closed. Please see below. 

https : XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card had two fraud transactions on XX/XX/XXXX in the amount of {$31.00}, the only transaction ending in # XXXX was on XX/XX/XXXX in the amount of {$25.00}. The transaction was on XX/XX/XXXX in the amount of $ {$450.00}. the card number is # XXXX. I did not use this card since XXXX and I didn't recognize these two transactions. I received the email about the cred card statement indicating the total amount of {$480.00} on XX/XX/XXXX. I went to the bank of America branch bank located at XXXX XXXX XXXX XXXX, NY XXXX XXXX and the bank receptionist provided XXXX to call. I called that number after I stepped out of the bank and it was XXXX XXXX and the representative told me they would need 7-10 days ' investigation. I received a mail after that and it showed the bank '' we're unable to approve your recent claim ''. I called the bank to report the card lost on XX/XX/XXXX because I couldn't find my credit card ending in # XXXX. 

I called Bank of America 's credit card fraud department on XX/XX/XXXX for a second investigation and they want me to wait 7-10 days for the result ; however, I have never received an email or mail of the investigation result. I called them on XX/XX/XXXX regarding the same issue and I was told the second investigation was denied, the representative told me if I don't make the payment amount of {$480.00}, that would affect my credit. My response was " those two transactions were not made by me and I didn't authorize any of these two transactions '' I repeat the same thing over two times ; however, the representative was very rude. I went to the branch bank on XXXX XXXX for the same issue again but the issue still wasn't been resolved. 
XX/XX/XXXX I went to the local precinct to file a report ; however, I was told that I couldn't file a report unless bank of America requested. 
XX/XX/XXXX I went to the store XXXX XXXX on XXXX XXXX XXXX XXXX, NY XXXX for the on XX/XX/XXXX in the amount of {$31.00}. the store manager told me they couldn't find that transaction. I went to XXXX 's for the transaction on XX/XX/XXXX for the amount of $ {$450.00}. On XX/XX/XXXX I called XXXX 's at XXXX and I found out this transaction was made by store purchase. Bank of America didn't investigate these two transactions.

During these two transaction times, I was working so I wouldn't make these two purchases. I have been making many phone calls and trying to resolve this issue but the bank wasn't helping at all. For all these times I have been doing wasn't getting any help at all.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

I have disputed this account many times. Company has failed to provide any proof that i owe this debt. They removed the account from my report and added it back 9 months later with a renewed date on the account. I believe they are illegally renewing the statute of limitations on this account, they have already illegaly failed to stop calling me, at which one point a representative said they did not receive my letters and my credit will be damaged if i do not pay. I am aware of my rights and understand if I pay any collection whether owed or not, it will not help my credit score. I do not believe I owe this account, they have not provided any proof, and their means of collections could be considered harassment and illegal.
Consumer complaint received 2019-05-20
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: Lake Area Collections, LLC (LA)

After retrieving a copy of my credit report I noticed an account with Lake Area Collections in the amount of {$10.00} on my credit report. I would like the company to show validation of this debt on my XXXX  report or remove it immediately.
Consumer complaint received 2023-02-06
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)

Under penalty of perjury I do by del are the the following is true and accurate to the best of my ability XXXX, EQUIFAX and XXXX are not credit reporting companies evidenced by their Licensing and Disclosures so there for are acting unlawfully and without my consent in all matters. I have called, written, disputed debts, inquiries, accounts, and have even tried to opt out of all services, I have given instruction to remove all unverified inquiries, accounts and to verify debts but when asked how they verified nothing was produced. 
Furthermore, I have no contract nor agreement nor have I given any consent or instruction for the furnishing of anything to my credit report. I am demanding equitable remedy of {$1000.00} for these violations per law for each unauthorized inquiry and for the company to release to me documents, accounts, all information held by the companies named herein, I am allowing only the minimum allotted amount of time proscribed by law to respond, settle, and cease and desist this will be my last attempt at handling this matter outside of federal court. And violation of civil rights there is no special immunity. Notice to principal is notice to agent and notice to agent is notice to principal. All debts are obligations of the United States and XXXX upon payment dollar for dollar so therefore reporting or attempting to claim I XXXX XXXX XXXX the living man and Beneficiary to the XXXX XXXX Trust XXXX XXXX XXXX, XXXX which the State is Trustee/ Fiduciary is in direct violation of the constitution, UCC, Identity Theft among much more that the company will be provided with if my respective issues are not handled correctly and in good faith. 

Memo HJR 192 UCC1-308 12 USC 411 L93-406 UCC 3-104 8 USC 1182 48 USC 1421b 5 USC 5582 UCC 3-419 These laws are provided as to assist whomever must be informed as to claiming false debt and obligation and fraudulent contracts and the like thereof.

15 USC 1681b states consumer must give consent for furnishes to credit report. So I demand company provides such evidence as to my consent authorization for any furnished information.

15 USC 1681a ( 2 ) ( B ) states the consumer report does not include authorizations or approvals of specific extensions of credit.

Any Loan or Credit card reporting information to a consumer credit report is in fact a specific extension of credit.

15 USC 1881 ( a ) ( i ) states that transactions between consumer and person making report are NOT included in reports.

I chose to not send any documentation that I may have as the companies have their own records of my letters and calls and online disputes.
Consumer complaint received 2023-02-07
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. (CT)

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, XXXX, OR Experian. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on XXXX XXXX Experian I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX am ) Experian : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX University XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of XXXX XXXX XXXX ( A ) ( XXXX ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under XXXX XXXX XXXX sec. XXXX. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Chase rejected my claim against XXXX on the basis of the service being available by vendor at the time of booking. This was obviously handled unprofessionally, and at a very low level, because it is completely XXXX to the fact that we had hurricane Nicole on XX/XX/2022. All flights out of XXXX were canceled and I could not get to the XXXX destination to pick up my rental car. A hurricane is considered to be an act of XXXX, and constitutes a force majeure event. If the rental car company was affected by a hurricane, they would have simply not provided a car, based on a force majeure. Why should I be handled differently as a consumer?
Consumer complaint received 2023-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent a letter to validate the account, and have not received any responses from the creditor. I have filed a report with the federal trade commission. XXXX and XXXX have removed and validated the accounts as not being mine. Transunion still showing as an open account with the same account number and a different amount owed. 

Florida Department of Revenue {$1300.00} {$330.00} {$3000.00} All have the same accounts number XXXX Accounts both have not been validated and are indicated as fraud, XXXX XXXX XXXX - Account number XXXX {$110.00} XXXX XXXX XXXX Account XXXX XXXX {$1200.00}
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I recently received a XXXX from XXXX XXXX. The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.
Consumer complaint received 2023-02-07
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. (FL)

XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} XXXX THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2023-02-05
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: Affirm Holdings, Inc (TX)

I'm in the middle of closing on a mortgage XX/XX/XXXX. I've been in this process since last quarter of XXXX. I purchased products from XXXX payment plan provider Affirm who offered per terms ( soft credit pull only, no reporting unless delinquent or payment problems ). This was great due to no cc use allowed and monitoring of my credit cards and bank acct every 30 days until close. 

The account in questionXXXX Had a return item to XXXX which the processed the adjustment and updated AFFIRM as required. Payments were still automatically deducted with no missed or late payments. Completed terms XX/XX/XXXX. They in turn reported as of XX/XX/XXXX this acct to XXXX as a collection that's never been late but has a balance of {$90.00} remaining which is oddly the adjustment amount XXXX had them complete. This has not only out me in jeopardy of delaying nor losing out on my home. It is incorrect, was not supposed to be reported on my credit and their process of resolution has not worked in my favor. I've completed all terms and per the terms of my contract which I read prior to signing they've botched all agreed. No removal was completed nor updated information to the balance as the letter indicates. 

They have it listed as : 1. Collection account ( false ) 2. {$90.00} Balance owed ( false ) 3. But in good standing ( contradictory and misleading )