davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe (CA)

First of all I did not even know who FSST Financial Services or 605 Lending. Apparently they go by both. I never applied for a payday loan. This company something is screwy because they knew about me. Then they tell me that they are above the law and threaten me. I never ever applied and I would never ever ever. Why would I when I just got out of bankruptcy.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A business credit card was applied for in my name while I have a fraud alert on it. An inquiry was placed on my credit and i want it removed. Spoke with Bank of America for over an hour and they refuse to remove it, even though I have a fraud alert and freeze on my account.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2017 our company was sent a letter that we were in breach on contract since we no longer wished to have uniform services from XXXX. We had paid the amount owed- {$350.00}. They claim that we must pay termination charges of liquidated damages in the amount o {$2700.00} with in 10 days. This is not logical. We did not like their service and, therefore, cancelled it. We have now been sent to collections. I did not know about the {$3800.00} amount owed until I checked my business credit report on Experian. They never even notified us that they took that action. This has been going on for ( 4 ) years ....
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

This was a debt that allegedly occurred in 2016. I did not apply for, nor did I receive a credit card from the original creditor XXXX XXXX in 2016. I explained to these people that someone stole my information and went on-line and did this. They ruined my credit with this. I believe the original creditor and Midland funding Llc may be complicit in stealing my information for financial gain
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UBS BANK USA (DC)

We had a brokerage account with UBS. Our financial advisors moved to XXXX XXXX and we moved our accounts there. The UBS account included a XXXX which we canceled over the phone. UBS is dunning us for the annual fee even though we canceled the card and were promised that the fee would be reversed at the time we canceled. My most recent call to UBS was today, and I asked for an address to file a written complaint with UBS and was told that they could not give me an address.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I had taken some money out of my retirement account to purchase a lot for my son, The deal did not worked out, and the money was sitting in my checking account at XXXX  XXXX XXXX. A friend told me about crypto investing and Coinbase as the exchange of choice. I did a little research and on XX/XX/XXXX purchased my first XXXX token, Then on XX/XX/XXXX two more token for a grand total of {$7700.00}. According to Coinbase, the first payment was denied by my bank for insufficient funds. My bank statement shows payment for the 3 tokens to Coinbase and my wallet shows i do owe them as of today. The problem is a couple of days later, I tried to purchase some more tokens and now my account is restricted to trade, or to transfer my money out of this wallet. 
I e-mail customer services since they do not have live personal help to find out what the problem is and all i got was a genetic letter saying they are working on my problem. Since I do not owe money to Coinbase, i figured maybe they needed ID verification, so I tried to send my ID to them. The next e mail I recieved was and i quote " to explain my intended use of the account, why did i sign up with Coinbase, if some else knew about my account. " i tried to answer all the questions and received another mail saying they are working on it. I have been waiting for a month for them to lift the restriction or to provide me with a reason for it and a way to resolve it. I get nothing more than an e-mail saying they are working on it.

Out of frustration, I was going to cancel the account, but instead opted to transfer out of the Coinbase wallet. Well, I am restricted to do so. In other words, they have full control of my investment and the money it is generating.The value of my account at the present is {$11000.00}, I will like to transfer to another wallet and I need Coinbase to release its grip on my money asap. This Company have the worst customer support. We are
talking a month e-mailing back and forth and I am still in the dark not knowing why my account is restricted and I am unable to move the money out.

I want people to know about their bad business practice, luck of support and use of others people money to profit themselves.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

I opened a checking account online & it told me I was approved. I got the welcome package paperwork & received a debit card & an ATM card. I set up direct deposit with the company I've been working at for 17 year. It was deposited into my new Citibank account but when I called to activate it, they told me there were some identity issues but would not let me provide anything other than the driver 's license and social security card I provided when opening the account. They told me they were moving the money over to savings & that I have to wait 30-60 until my account closes & then another 15 business days before I will receive my money. This is unacceptable because it is their fault. They could have rejected the deposit & sent it back to my employer. It has now been a month with a XXXX XXXX XXXX  child, and I still don't have my paycheck. Nothing is being done.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Consumer complaint received 2022-06-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (TN)

I submitted a request for FULL VALIDATION of documents from GC services on alleged debt of which they only provided systematic VERIFICATION documentation. 

They did Not provide ALL actual validation documents as requested. Below is the Validation documentation missing. Below is what was originally requested : ****DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (DE)

This was a supposed installment loan because my husband was unemployed and i am XXXX, to help pay bills, car payment, rent electric that had been cut off and was trying to feed a family of 5. They continued to attach interest and late fees. This is definitely predatory lending. I also asked them to extend the payments which they refused to do. Or to reduce the payments so i could get caught up, which they refused. The calls were threatening. As are the calls from most collection agencies that have this type of clientele. Its fraudulent how much money this has increased from the original loan. Unfortunately due to covid we can barely make ends meet. 
Bottom line i do not have the money to pay {$100.00} let alone $ XXXX
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.
Consumer complaint received 2019-10-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc. (AZ)

My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, F.H. Cann and Associates ( collection agency for XXXX ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones.

I have written and mailed a letter to both F.H. Cann and Assoc., and XXXX asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WI)

I saw an online advertisement for US Bank with 0 % interest for 24 months period back in XXXX XXXX XXXX I applied with the goal of doing a balance transfer XXXX XXXX XXXX  and got approved. I initiated the transfer on the same day as I applied, carefully reviewed my application, and did not see any mention of any additional fees. 

It took US Bank almost a month to complete the balance transfer, which was posted on XX/XX/2022 and at the same time {$150.00} " Transaction Fee '' was added to my US Bank credit card balance. 

I called US Bank XX/XX/2022 and asked for the removal of the {$150.00} " Transaction Fee '' and was told by the customer support 's supervisor this fee can not be removed. 

I see this as a potential violation of Unfair, deceptive, or abusive acts and practices ( UDAAPs ) Dodd-Frank act, where the bank is not clear and upfront about additional fees in their advertising and application practices. 

I would not have applied for US Bank 0 % credit card if I knew " Transaction Fee '' will be assessed.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have my car through XXXX XXXX. This was supposed to be set up on an auto withdraw. I have had several conversations with them about setting this up. I just got this vehicle in XX/XX/2020, and every month I have tried to get this together with them and it constantly fails. In XXXX and XXXX, I received lates on my credit report for this vehicle when it was promised to me that this was set up properly. A few days after it was late, both months, they contacted me asking for a payment. Through my confusion, I just paid it because they stated a payment hadn't been made. 
Now my credit score is suffering because this wasn't completed and I now have 2, 30 day lates on my credit. I have several accounts with XXXX XXXX  and I have used them for a long time. This is unacceptable and needs to be reversed. I have always paid them and paid on time.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance
Consumer complaint received 2021-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XXXX I signed an Agreement with XXXX XXXX ( see attachment ). They agreed not to report this account on my credit report. I was in communication with XXXX XXXX, XXXX XXXX XXXX. XXXX and I communicate through email. ( see attachment ). In XXXX XXXX XXXX was in breach of contract by reporting this account to the credit bureaus, which is reporting on my Equifax report and hurting my chances of getting approved for credit. I disputed this account with Equifax and XXXX XXXX, but they have yet to remove this account after providing documentations showing this account should not be on my credit report. My next step is to file a complaint with the XXXX, Georgia Attorney State General, and file litigation against Invitations Homes for breach of contract, and Equifax for refusing to remove this account after being provided documentation.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

Hi, This is regarding the 2 transactions worth {$1800.00} ( XXXX $ & XXXX $ ) that had happened with my Chase Account via XXXX on XX/XX/XXXX & XXXX to a same person named XXXX ( whom I dont know in any capacity ). I reached out to chase on XX/XX/XXXX as it was that time I realized some of my money is gone. This chase account is student checking account and I hardly transfer any amount to anyone apart from myself, my primary account. Chase provided me with temporary credit till the time they researched but later they told they found nothing and took back the credit. I had asked for findings as well but I havent got it till now. Also, Im an XXXX XXXX  here and XXXX $ is kind of very big deal for me. Ive been telling Chase that I dont know this person but they told theres no way they can secure my XXXX  money. I dont know what else to do to get my money back. Kindly help me. Thanks!
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX AMERICAN PROFIT RECOVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICAN PROFIT RECOVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-30
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. (TX)

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, Equifax, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Equifax does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.