davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. 

Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. 

I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.
Consumer complaint received 2018-01-19
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. (NE)

I have never believed that I opened these three accounts and have requested documentation to validate debt from the following 3 creditors : XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX The reason I requested validation of the debt is because I do not believe I authorized an account with the creditors. It has been nearly 6 months since my first attempt to obtain validation of the debt and not one of these creditors has returned any such information, however ; they continue to report the information on my credit reports. 

Since I am unfamiliar with the accounts and there is not any proof of my authorizing their opening or any proof of the details of the debt, I have concluded this account was opened and used by someone other than myself. I have filed an Identity Theft Report with the FTC and have included a copy of my driver 's license for proof of identity.
Consumer complaint received 2018-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I have filed five ( 5 ) comlaints against Wells Fargo Home Mortgage and each time they send more and more unrelated or the same documents. The last XXXX responses were 58 and 83 pages consecutively, cut and pasted and just a mess. None of which provided an answer to my complaint. 

No one at the CFPB read or reviewed the answers. It is easier to say they provided a response. XXXX has not provided a response to the complaint, they just responded, there is a difference. And yet XXXX laughs in my face and the CFPB because they think they are getting away with this. Over my XXXX body! 

XXXX continually goes to the Federal Court with their consent judgements and offers to pay billions of dollars but have never paid a dime! I challenge you CFPB to check it out, I did. 

I know the truth and so does XXXX. Soon the whole world will know. 

" Why am I not eligible for the settlements ''? 

I provided all documents for every excuse they have given. " Why am I not eligible for the settlements ''? 

Having run out of excuses, now XXXX just say I was not eleigble. " Why am I not eligible for the settlements ''? 


The one issue and question continually asked and never to date answered " Why does '' Why am I not eligible for the settlements ''? 
XXXX say that I was not eligible for the settlements ''? Having submitted to the CFPB documents refruting XXXX : " Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''?
Consumer complaint received 2018-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.
Consumer complaint received 2018-01-19
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 (TX)

onXX/XX/XXXXXX/XX/XXXX I bought a XXXX XXXX round-trip airline tickets for myself and XXXX kids totaling {$7300.00} through a traveling agent, XXXX XXXX XXXX on line to XXXX XXXX. 3 days later I noticed the same tickets were reduced by a {$1000.00}. I cancelled the purchase and bought the lesser priced tickets on XX/XX/XXXX ( which I used to travel to XXXX the following year XXXX ) ; Since 3 days have elapsed from the original date of purchase according to their policy, I was denied a refund. However the tickets were valid till the following year (XX/XX/XXXX ) which I used. This amount was charged on my Bank Of America credit card by XXXX XXXX on XX/XX/XXXX. Surprisingly the amount was not charged directly by XXXX ( agent ) which I disputed with the Bank and it was clarified. To my dismay I noticed on the Bank statement 2weeks after my return from vacation on XX/XX/XXXX that the same amount of {$7300.00} has been charged on the card by XXXX. The agent alleged another purchase of 4 tickets to XXXX with the same XXXX XXXX vessel for a departure date listed XX/XX/XXXX and return XX/XX/XXXX. It would be preposterous to go on line to purchase another set of 4 tickets to leave the country with the children in the middle of the school session in Texas when we have just returned. After exhausting my option with the agent 's customer service, I contacted BOA to dispute the charge. I was astonished to know that XXXX  provided the Bank with a forged itinerary that bears the same ticket numbers on the previous cancelled tickets which XXXX XXXX charged. I also observed that the forged itinerary sent to BOA as their prove has no booking reference number or airline record locator which is specific to every ticket purchased which can be trace with the airline. The Bank refused to do a thorough investigation on the dispute despite all the necessary information sent to them and closed the investigation. Furthermore, my XXXX trip account on line shows that the disputed transaction was a " chargeback '' not an actual purchase which I have a documentation of it. I am disappointed that Bank Of America has failed to protect me the consumer, failed to call by phone to verify multiple charges on the card by the agent, has no fraud protection and allowed the XXXX to get away with fraud at my expense. XXXX has intentionally misled Bank Of America in its attempt to retain monies illegally and unethically from me.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On XXXX XXXX 2018, I wire transferred {$9000.00}. Right after I got the funds on my account, Coinbase blocked my account and asked me to verify my SSN. 

Since I do n't have an SSN, I have submitted my XXXX XXXX Passport to prove it 's me using the account, and I also submitted bills with my name on to prove that I live in the United States. 

I have also verified my Valid U.S. driver 's license already in the past. 

The problem is that I have been unable to reach Coinbase since I HAVE N'T been able to get access to MY MONEY ( {$9000.00} + pending {$3000.00} ) and MY FUNDS ( {$5000.00} worth of Cryptocurrency ). Total of {$17000.00} Whenever I call the Customer Service at Coinbase, all they say is " Please be patient and I 'd like you to have a good evening. '' They even hang up on me without my consent. 

It 's an emergency since the money and funds in my account on Coinbase are all my fortunes. Thus, I ca n't even pay for the rent and other bills. 

I know I 'm not supposed to include personal information, but since it 's an EMERGENCY that has to be resolved as soon as possible. I 'm including my info here. 

My case ID : XXXX, XXXX ( I submitted 2 tickets since they have never resolved the problem. ) My email address : XXXX My name : XXXX XXXX My phone number : XXXX
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Consumer complaint received 2018-01-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Okay, this is a complaint about Navient, among other egregious issues as they are just the XXXX 's loan company the preyed on people for years before other lenders decided to do private student loans. Besides that normal problem, for the last month, I have been working with my current school XXXX to defer my loans for another year, as the school mistakenly put my graduation down for the wrong year. The school has done everything possible, they called Navient, they sent numerous documents and updated the NSLDS stating when my new graduation date is. I emailed the company several times I got one response back stating that everything was going to be deferred and then today I got an statement for next month stating that I owe over {$300.00} which I can not pay while I am back in school. So it appears to me that I keep getting lied to by Navient and this company WANTS be to default. The worst part is my XXXX were deferred with no problem. I have to documentation to prove that they said everything was deferred to 2019 and the money they are now asking for.
Consumer complaint received 2018-01-19
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: Fidelity National Information Services, Inc. (FNIS) (TX)

This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not authorize.
Consumer complaint received 2018-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NJ)

Re: Refund of Two Checks Causing Overdraft in my CHecking Account
XXXX
/
Sent


XXXX XXXX 
To: Selenefinance Customerservice
,
XXXX XXXX

XX/XX/XXXX at XXXX XXXX



On Wednesday, XX/XX/XXXX, XXXX XXXX  EST, XXXX XXXX  wrote:


XXXX XXXX XXXX XXXX XXXX, NJ XXXX 

XX/XX/XXXX



Selene Finance	XXXX XXXX XXXX



Re:	Error checking account $XXXX Overdraft today



I found you had taken over XXXX out of my checking today when I only authorized the usual $XXXX  payment. I am overdrawn $XXXX now and want o know why . Called phone and spoke to XXXX. Now will call XXXX XXXX XXXX.


Accidentally caused XXXX XXXX XXXX to send out three paper checks for mortgage this month and you cashed them. Thereby causing my checking to be $XXXX Over drafted as of today. They were for new amount effective XX/XX/XXXX of $XXXX, XXXX and the old amount of $XXXX.


I need the excess  checks to be refunded to me in $XXXX  and $XXXX. That will make my checking account back to normal and right. Called XXXX XXXX XXXX after finding $XXXX overdraft in checking. They said could not help me to call Selene.

Today I called Selene and spoke to XXXX on XXXX and he said he could not find those payments in my screen. Called XXXX in Arizona at XXXX  XXXX and she said I needed to get fixed with Selene. Second time called Selene and got XXXX. She listened and tried calm me and said she would check with supervisor on this. They will send up accounting request to fix this and get accounting back to rights.

They need me to send details in email.


XXXX XXXX XXXX


CC:    BBB, XXXX Complaint


Selene Finance LP 
ATTN: Customer Service Research XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX US

XXXX;


XXXX XXXX


XX/XX/XXXX XXXX XXXX customer support called and wanted to know if I had idea when the two check would be reversed. They are waiting on that to help me with overdraft fees and bouncing checks situation.


I havent heard back from you at Selene since I called and sent email a week ago on XX/XX/XXXX. Same day I sent the BBB complaint that XXXX also got. Can someone get back to me with an expected date for refund of the two checks I requested. Thank you.


XXXX XXXX  

XX/XX/XXXX XXXX 

XXXX will call back tomorrow and see if I find out when to expect the credit to be in my account. *I hope to have some definite answers for them by then. Still no reply from you as of today. XX/XX/XXXXXXXX.






Settings

XXXX XXXX XXXX




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Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX, 2017, I mmade the following transaction : +XXXX LTC @ {$250.00} per LTC Reference code XXXX Payment Method XXXX - Interest Checking XXXX Fee {$4.00} Subtotal {$330.00} Total {$330.00} It was for the pruchase of Litecoins at a total price of {$330.00}. My XXXX checking account was charged {$330.00} two times. I am attaching a copy of my statement for your convenience. I filed a dispute with my bank. Upon resoltuion of the dispute, Coinbase, disbale my ability to trade in my account. I started a case # XXXX and have made 4 phone calls with zero resolution. Furthermore, Coinbase FROZE my account in a highly volatile market. They have restricted my ability to Buy/sell/withdraw my current assets which include XXXX Litcoins and XXXX ethereoms. It is unconscionable to freeze an account and restrict a customer 's right to sell his assets. XXXX firms who work with XXXX face simlar circumatances all the time. They will restrict buys, but NEVER sells. This was a bank error caused by coinbase. As of the time of this writing, the value of my coins is down approximately {$1500.00} due to this account freezing. I attempted to sell the coins yesterday at a profit of about {$1000.00}.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from XXXX.
Consumer complaint received 2018-01-19
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. (NV)

Experian is the only credit reporting agency that has not complied with creditor 's request to remove a derogatory account from my report due to fraud. I have made multiple attempts between XX/XX/XXXX and XX/XX/XXXX to have the " XXXX XXXX '' account deleted. I filed another dispute on XX/XX/XXXX, that included a copy of the letter ( attached ) from XXXX XXXX XXXX ( dated XX/XX/XXXX ). Update received from Experian on XX/XX/XXXX still shows the delinquent account on my credit report. 
This account was closed in XX/XX/XXXX but accessed and charges were made without my knowledge and became delinquent in XX/XX/XXXX. I became aware of the account on my report in XXXX of XXXX.