davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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)

I have reached out and disputed with equifax, XXXX, and XXXX  about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. 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, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC (FL)

Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.
Consumer complaint received 2017-08-10
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: SYNCHRONY FINANCIAL (LA)

I have contacted Lowe 's on several occasions about a credit inquiry that was placed on XXXX XXXX, 2017.  As soon as the inquiry was placed on my XXXX credit report on XXXX XXXX, 2017, I called the company that evening for the first time to let them know that I had not applied for a credit card with them nor did I authorize anyone else to do so. I was advised I would have to wait 7-10 days before I could dispute this with them to see if I was approved for their companies card, I again stated to their representative that I did n't apply for the card and did not want it. I have a credit freeze place on my report, therefore I would n't apply for anything. After 10 days passed I contacted the company again, they said to wait 30 days for them to do an investigation on their own, that it could take up to 60 days. I again contacted them and they said that they could not remove this unauthorized inquiry from my report even tho I did not apply for it.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

The company is reporting false information stating I owe them money which I do not. XXXX XXXX who originally owned this account stated they were buying back the account from this collector in their CFPB complaint which you will find on this site. They are still trying to collect the amount and just re-posted this to my credit report. I have sent my last demand letter telling the company to delete the tradeline or I will take legal action.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

XX/XX/2017 XXXX XXXX CST I called to ask about options for lowering my payment, being that my wife is out of work and I am taking over all finances. They said I was already in a rate reduction program and that 's as low as they can get it. I asked if I had any other options, we have no health insurance at the moment and my son who has XXXX still needs therapy which will be out of pocket for much of it. They said we can cancel the future automatic payments and it would be a year before I qualify again for a rate reduction. My payment was in the low XXXX 's and it would essentially quadruple. I asked if there were settlement options and they said they can possibly do a 90 % offer, so basically {$25000.00} and some change. I asked if I could counter offer and they would not accept any counter offer unless it was more than their offer, which sounds crazy to me. She wanted to know detailed information where I would be getting the money from. She could not and would not provide me any information on their settlement policy and said the company has no written policy regarding settlements and it was up to their discretion. Talked down to me saying if I ca n't make the monthly payment what makes them think I can get money for a settlement. She refused to submit an offer on my behalf. 100 % would not do it. I tried to offer an amount and she said it was too unreasonable, it was n't at least 90 % of the balance. She said sir we are a business and we are in the business to make money. Literally what she said. By far the rudest, condescending, heartless company I have ever dealt with.
Consumer complaint received 2017-08-10
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. (OK)

I have items that were dated wrong, XXXX now showing up as XXXX, not sure why, not applied for credit more then 3-4 times now listed over 7 times which nick my credit down plus XXXX XXXX card we or I cut up and returned to company is listed on my report tried to ask Equifax if there my mom credit cards and on one of them why is this reported as thought it was all my debt since she is XXXX has health issues and asked me to get her things at the store or on line, as said not sure it seems to put my credit off it it assumes I am responsible fully for being added after the fact to one of her credit cards which I believe are in good standing. I asked could I be held fully for this debt and if its listed as both of us why income or only most half shown since I am not the original card holder but seem to get ignored I am also having mom remind XXXX. XXXX XXXX card was returned after I cut it up and she had me removed which was or should of never been sent as she removed me earlier that year. This is wrong and or dates wrong, had ID theft but if they have your info guess one is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who is this and shows up twice why? Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXwho is this Inquiry from XX/XX/XXXX XXXX XXXX XXXX date XXXX? Inquiry from XX/XX/XXXX XXXX XXXX CXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX No idea who this is or why it is here. XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MD)

I have a Sam 's Club credit account which is delinquent and was recently sold to a third party collection agency - XXXX XXXX. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XXXX 2017. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XXXX XXXX, 2017, I accepted a call from the restricted line to inquire who was actually calling. XXXX XXXX informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XXXX XXXX, 2017 at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (CA)

I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX.
I have asked for proof of this being my account and have not recieved anything.
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I placed an order for new XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NY XXXX. I did provide frames, everything else was going to be provided by them : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. The total amount charged was {$610.00} including 20 % store discount. The credit card used was CareCredit XXXX XXXX, telephone number ( XXXX ) XXXX. Few weeks later I picked up my new eyeglassess and immediately noticed they did not work well for my eyes. I did give them a try for a few days but it just didnt work. On XX/XX/XXXX I asked the optical place to correct the issues and the new order was placed. It included the following : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. I was told that XXXX brand will work better for my eyes. I was not charged additional amount of money. While waiting for my new eyeglasses, I did my own research on XXXX brand and also talked to few well respected optical places in XXXX just to find out that XXXX brand is outdated and more importantly {$300.00} cheaper then XXXX. I went back to XXXX XXXX and ask if there will be a price adjustment considering the {$300.00} price difference between XXXX and XXXX XXXX XXXX. Their answer was no. On XX/XX/XXXX my new eyeglasses were ready and they worked better then the first pair. I asked the store manager about the price adjustment again and the answer was the same. Few days later I started a dispute through XXXX XXXX. I was never contacted by the bank to provide them with my evidence. On XX/XX/XXXX I received a letter from the bank notifying me that they released the dispute in the providers favor ( XXXX XXXX ) and leaving me with an option of reopening the dispute. On XX/XX/XXXX visited few more optical places in XXXX asking for their help in identifying my new lenses. The all agreed that this is not a XXXX brand and also they could not identify any brand name. They all suggested that something very strange was done to my new lenses. At this point Im very much concern about my vision and whether I should continue wearing my new glasses or not. On top of that, I feel strongly that I was cheated or even robbed.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
Consumer complaint received 2017-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (NC)

XXXX XXXX of PNC Bank called me in XXXX and said that my line of credit would not be renewed this year. I 've had this line of credit for over 20 years and have always paid off. When I asked him why the would not renew it he said corporate decision. This line of credit is essential to run my business. I asked for a written statement stating why this line of credit was cancelled and got no response. 
HIs contact info XXXX XXXX XXXX Vice President Asset Resolution Team ( XXXX ) XXXX Phone ( XXXX ) XXXX Fax XXXXXXXXXXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX Mail Stop XXXX My company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX
Consumer complaint received 2017-11-19
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. (IL)

TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grimley Financial Corporation (PA)

I received a bill dated XXXX/XXXX/XXXX for {$45.00} from XXXX XXXX XXXX. When I received this bill 6 months ago I immediately contacted XXXX XXXX XXXX regarding the bill to let them know 1 ) that this was a wellness visit to check my XXXX level and should be covered 100 % by insurance and 2 ) to let you know that the invoice states XXXX Uninsured Program on it. I have insurance and I provided my insurance information. A few weeks later I followed up again and then again to figure out what was going on. I was told on the phone that the bill was incorrect and they would resubmit with my insurance information. I said fine and then a month and a half ago I get a collections notice from aptly named XXXX XXXX claiming I owe {$22.00} and Im delinquent. I have never even received a bill for {$22.00}. The bill I received is was for {$45.00}. I am extremely disappointed that after diligently following up on this invoice repeatedly and providing my insurance information I am now in collections. I never even received a bill from XXXX XXXX XXXX for {$22.00} so I couldnt have even paid it. Im assuming that he {$22.00} is the same bill as the {$45.00} since the date of service is the same and I didnt have any other services performed that day. Clearly the {$45.00} bill was wrong as XXXX XXXX XXXX only sent {$22.00} to the collections agency but the problem is they never sent me in an invoice for {$22.00} so how was I supposed to pay this. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX and they confirmed it was an error and that the invoice was never sent to me. At that time I paid the bill in full for {$22.00} and they told me they would handle with XXXX XXXX and not to worry about anything more. Then the day after XXXX I receive another Collection Notice from XXXX XXXX for {$22.00}. I called them and told them I already paid it in full and they said that 's not what our records show and that XXXX XXXX XXXX would need to tell them that. I told them I can email them proof I paid it a month and half ago but they were not interested in the email. I have always paid my bills on time and to be in collections over a {$22.00} bill that XXXX XXXX XXXX agreed was never sent to me is concerning. Then to be harassed even after it was paid in full is frustrating.
Consumer complaint received 2017-08-09
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: Experian Information Solutions Inc. (CA)

In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.