davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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. (MO)

The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED
Consumer complaint received 2022-06-04
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: LEXISNEXIS (IL)

I sent a letter on XX/XX/2022 here is my tracking number XXXX XXXX XXXX XXXX XXXX. Request to remove inaccurate information and remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy also according to 15 USC 6802 no financial institution is not supposed to share my information to third party people.

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MA)

Sallie Mae has refused to offer any sort of relief or lowering of payments, and it is impossible to meet ends meet due to their actions. I make an annual salary of {$60000.00} and my student loan payments are $ XXXX month which is more than I make in a single paycheck. After making payments and struggling to even have enough money to eat, my interest rate continues to grow and is now at almost 11 % on my loans pushing me even further into debt. With the pandemic going on I have lost all additional sources of income and the best option they gave me was to not make a payment and speak with the collections agency which will further hurt my credit.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections (SD)

I am receiving lot of spam, silent and harassment calls from AAA Collections. The debt collector is also using false, deceptive, or misleading representation or means in connection with the collection of debt. Its violation of FDCPA Act. I would request the collection agency to stop harassment tactics.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (IL)

Steady calling me, multiple times a day, for the last few weeks. Phone automatically filters it as spam/scam. Researched numbers ( they call from several numbers, call from new number after I block old number ). Called asking who they contracted with, asked them not to call me. They kept grilling me for personal information which I refused to give. Never received these calls now I receive them all the time. 

Company goes by the name XXXX. They need to stop calling my number and harassing me. I dont owe anything to anybody.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC (IL)

The following message was left on my voicemail at XXXX XXXX XX/XX/2022 : Hey, this is XXXX with A S. G. This is not the first time we've tried to call, and it certainly won't be the last until we can get something figured out here. I uh did want to make you aware that the extra 10 % savings applied to your uh payoff online is temporary. So I urge you to lock in the settlement on your account. Now, even if you don't have the funds to settle it, you can set up a partial payment plan, or you can schedule your settlement for a later date when you are able to pay it. As of now, no, 10 99 C tax form has been issued on this account. So please take care of it before further action is required. We do also report to the Credit Bureaus and all applicable account. So again, I urge you to take this seriously and take advantage of this offer. Our website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX I am legally required to inform you this is an attempt to collect a debt. Thank you.
Consumer complaint received 2022-06-02
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: DISCOVER BANK (GA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction.

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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. (MI)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

My case pertains to Coinbase Case number # XXXX, and Complaint # XXXX 1. Coinbase closed my account in late XX/XX/2022, after me being a fully verified customer for over 4 years 2. All I am trying to do now is to get my fiat and crypto off Coinbase ( which Coinbase claims that I have access to ). 

3. Unlike what Coinbase falsely claims in the attached email, I do not have access to either a " Vault '' or even the " Portfolio '' section of my Coinbase or Coinbase Pro account. The ONLY page that I can access when I login into Coinbase or Coinbase Pro is their " ACCOUNT CLOSURE IN PROGRESS '' page. I have attached it's screenshot below. 

4. I see my funds on the ACCOUNT CLOSURE IN PROGRESS page. BUT, when I try to withdraw the funds, it asks for my 2-factor authentication ( 2-FA ). The ONLY 2FA that I have set up with my account is my XXXX hardware key. However, their " ACCOUNT CLOSURE IN PROGRESS '' page is not set up by Coinbase to recognize my XXXX hardware key ( unlike their actual, full service Coinbase log-in page! ). I also know the key is working fine since that is the very key that I use to login to my Coinbase account ( where it works just fine ), after which it redirects me to their default " ACCOUNT CLOSURE IN PROGRESS '' page ( which is the ONLY page I am able to access! ). 

5. Crypto from their default closure page can only be withdrawn to whitelisted addresses ( which is the option I chose on Coinbase when I had signed up ). BUT when I attempt to add a whitelisted address, I get directed back to " Account closure in progress page! '' 6. When I attempted to get my fiat off Coinbase, back to my bank account, it says " Account closed '', then redirects me back to their " Account Closure in Progress '' page! 

7. I can't even access my transaction data for tax reporting. A flimsy report emailed to me only has Coinbase transactions, but not Coinbase Pro transactions ( where most of my trading occurred )! 

8. Multiple emails have been exchanged with Coinbase customer support assuring me that the matter would be resolved in " 15 business days ''. Even the exchange balance they claimed I had in my account was initially inaccurate before they fixed it after numerous emails/phone call. 

9. My trauma began almost 2 months ago. Supporting emails are attached. The majority of replies see generic " copy-pasted '' generic replies where it is obvious that my question was not even read! This is adding insult to the injury when a XXXX dollar corporation sits on a customer 's hard earned " interest-free '' money!
Consumer complaint received 2022-10-21
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: JPMORGAN CHASE & CO. (GA)

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Jpmcb XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX. 

On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX. 

We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually. 

My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}. 

I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments. 

The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired. I would like this incorrect information to be removed from my credit report as soon as possible. I would also like all unjust communications tactics ( phone or/and mail ) which is in violation of the fair debt collection practices act to cease as soon as possible.
Consumer complaint received 2022-07-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

The loan is advertised as 12 months interest fee with a 24 month term. Before making the purchase and agreeing to the terms presented online, I thoroughly read the information. No where did it explain the 12 month interest free period and how the finance charges would be calculated. I called and spoke to 2 company representatives at Citizen 's One on XX/XX/XXXX and again on XX/XX/XXXX to ask if there would be an early payoff penalty if I paid the loan within the 12 months interest free period. They said there wouldn't be but also could not point me to anywhere in the terms where the promotional period was explained in writing. Trusting that their information was correct, since I heard the same from XXXX different people, I made the purchase on XX/XX/XXXX. I paid the loan in full XX/XX/XXXX. After the payoff, I noticed they sent me another statement with a balance. I called and talked to multiple people ( XXXX and XXXX ). They opened ticket XXXX. I never heard back from the company, all the while more fees were accruing. On XX/XX/XXXX, I called back and spoke to XXXX. He said I had to pay the amount owed and the interest was correct. The company never disclosed this and the website where I bought the treadmill advertises as 12 months interest free. Citizens One is not properly disclosing the interest calculation and I feel cheated and lied to about the offer. I would have certainly met any deadline had they disclosed properly in writing as I believe is required or at least explained it correctly when I spoke to them. Their information : Citizens Bank XXXX XXXX XXXX XXXX  XXXX, RI XXXX
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

As a consumer Wells Fargo Violated several consumer laws and willfully fraudulently are denying me without cause reimbursement for fraudulent activity that took place in my account during the months of XXXX 2022. 
Pursuant to 15usc 1692 ( g ) ( b ) Disputed debts If theconsumernotifies thedebtcollector in writing within the thirty-day period described in subsection ( a ) that thedebt, or any portion thereof, is disputed, or that theconsumerrequests the name and address of the originalcreditor, thedebtcollector shall cease collection of thedebt, or any disputed portion thereof. 
As the consumer I informed Wells Fargo of the debt collectors Card Member services non-verbal, non-written consented withdrawal from my account XXXX in the amount of {$3200.00} and with numerous denied claims the last one being at the XXXX office case # XXXX where denied without any evidence of written or verbal consent of validating the debt or the withdrawal which is a fraudulent transaction and Im entitled to reimbursement.The fraudulent activity was also reported to XXXX XXXX and the police report is attached. 
The other Fraudulent transaction in the amount of {$1100.00} was not consented by me the original creditor and in fact my signature was forged because the debt collector used deceptive and abusive practices violating the stated laws again addition stole the money under duress and I have filed a police report, BBB report and an Attorney GeneralXXXX report agains the conduct and abusive practices that was endured when entering in that consumer transaction. See attached documents Wells Fargo willfully along with the other debt collectors are in violation of several other laws pursuant to 15USC1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors ; invasions of individual privacy. As well as pursuant to 15USC 1692 ( f ) ( 1 ) 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 thedebtor permitted by law. Card Member services never received consent nor has any written agreement from the original creditor validating the debt for them to authorize taking it. Fraud. Wells Fargo there must comply with the federal laws and FDIC and swiftly refund my account {$4400.00} for the fraudulent transactions + violations and damages of {$6000.00} totaling {$10000.00}.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (OH)

I went to XXXX XXXX XXXX in XX/XX/2020. I received a bill from Frost-Arnett that I thought was to pay off my hospital stay. I have been paying them thinking that it was going towards the hospital. However, when I pulled my Annual Credit Report, there was no mention of such debt from the hospital or Frost-Arnett XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agencies shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-07-25
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (OH)

I tried to pay my bill online on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 a message appeared on the screen about my payment. Stating they are having issues even the automed system and representatives stated the wrong amount, information and wanted to charge a fee for their payment services.