davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (GA)

CreditKarma keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted XXXX repeatedly as I was told that this is the only place they could have attained this information from. XXXX stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CT)

XX/XX/year> AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Debt Account : XXXX Dear AMERICAN EXPRESS XXXX am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. 

Any attempt to collect on a canceled debt is a violation of federal law. 
It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. 

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Cell XXXX
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I contacted Diversified Consultants Inc. on XXXX/XXXX/XXXX concerning a credit report account opened XXXX XXXX, XXXX for {$2200.00} by XXXX XXXX XXXX. I asked to receive validation of the debt with an original bill due to the fact I have had XXXX XXXX phone service for years now and the date they placed on my credit report was in no way accurate. The representative and her " supervisor '' told me that they do not actually have a bill and would have to request one and that the date on my credit report is not the original date but the date their company decided to put when they bought the debt. I know this to be illegal not to mention I am being refused my basic right as a consumer, being able to validate this debt with paperwork. The " supervisor '' tried to rush me off the phone saying I would be sent a bill in the mail once they tried to get it from XXXX XXXX XXXX without even having my current address. I stopped him and gave him my current address in which he stated " oh, I was just about to get that. ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (GA)

Company : Coinbase XXXX : XXXX On XXXX XXXX, XXXX at XXXX XXXX XXXX I sold XXXX units of XXXX on the coinbase exchange for {$480.00} after fees. Transaction code # XXXX shows completed on their website yet the funds were not received. Payment method chosen was XXXX internal USD Wallet. Coinbase states that funds from sales will be available within minutes of a sale. As of this filing the proceeds from the sale have not been received. 

I filed a case with Coinbase Support, Case # XXXX, at XXXX XXXX XXXX on the same evening. I have yet to receive a response or acknowledgement of the issue from their customer support as of the filing of this complaint. 

Just to be clear, this is money never received from the sale of the coin within the coinbase system. There were no funds ever sent to any external addresses.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (VA)

Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.
Consumer complaint received 2017-12-06
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. (SC)

1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX -BALANCE {$3300.00} Unauthorized inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2017-12-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MI)

On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports.
Consumer complaint received 2017-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called into Transunion multiple times about inquires on my account that I have not initiate and spoke with a rep by the name of XXXX who pretended twice to transfer me to supervisor but kept coming back on the line himself. I disconnected the call and called back and immediately asked for a supervisor ( XXXX XXXX ) who came on the line and proceeded to read me the same script that the previous rep did stating that they are not obligate to verify information before it is placed on the credit file and that these are considered a statement of fact.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently disputed XXXX account # XXXX with Transunion according to Transunion the account come back verified This account is a charge-off and The payment status is reporting as Open its my understanding that a charge off shouldnt be reporting as open this is a violation of the FCRA I would like for Transunion to send me what they use to verify this account with in the next 30 days if they can not provide the proof of verification I would like them to delete this account. I have attached a copy of my credit report and my ID the last four of my social is XXXX
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hello On XXXX/XXXX/XXXX I have requested a withdrawal of {$9900.00} from XXXX to my bank account. It is a direct wire transfer which I have to pay money for. XXXX confirmed the transfer and state that my money would be in my bank by XX/XX/XXXX. 

I still havent received my money and been trying to contact XXXX for the status of my case with no avail. This includes email, phone call, and social sites like reddit. There were no feedback of any kind from XXXX https : //www.coinbase.com XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. XXXX instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? XXXX is not entitled to both.
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.