davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (VA)

Collection agency put a bill on my credit report that is not in my name nor am I responsible for. Collection agency is trying to make me accountable for my x-wifes medical bill. The bill is not in my name, nor was I the guarantee on the insurance plan. Collection agency never even sent me a bill so that I could have tried to resolve the issue with them. 
AR RESOURCES INC XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (OH)

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX   with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates.

Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX  states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KY)

I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

This complaint is regarding a 12 day freeze hold placed on my Wells Fargo Bank Business Platinum business card. 

I realized there was a freeze hold placed on my card yesterday XX/XX/18 after speaking with a Wells Fargo Customer service agent at XXXX pst. I explained that this card is the lifeline to my business and without the card, my business is completely paralyzed. If there was an emergency supply needed or equipment failure there is no way to remedy the problem. I also advised the representative that Wells Fargo never contacted me either verbally or by email indicating that they would be taking this action. The representative did not provide the name or contact information of the supervisor. 

After enduring almost 20 minutes of bank jargon, I repeatedly asked the customer service agent to speak to a supervisor and she refused to transfer the call. I was told that she would escalate the matter and that I would receive a callback within 1-4 hours. A supervisor from Wells Fargo bank never returned my call. 

At XXXXpst, I contacted Wells Fargo Bank to find out what action had been taken to remedy this situation. I was transferred to a supervisor named XXXX XXXX and was told the freeze hold was removed from my card and I was able to utilize the card. She was also advised the funds are available for immediate payment. I was told " Don't worry We've got your back. '' At XXXX XXXX I attempted to use the card for a small transaction only to discover that Ms. XXXX misrepresented the facts and the card was still unusable. I called back Wells Fargo Bank only to be told that the per Ms XXXX the that the card " had the freeze hold removed then replaced. '' I was then transferred to a complaint division where the call was disconnected. I had provided contact information to WFB. Wells Fargo Bank Failed to return my Call. 

This morning, I spoke to a consumer representative who transferred me to a case worker within Wells Fargo Bank named XXXX. Her contact number is XXXX. She advised me that she needed to contact a different department within the bank and could not guarantee that she could get the freeze hold removed from my account. I explained to her that this is an urgent matter and that the card is the lifeline to the business, I believe that Wells Fargo Bank will continue this deplorable, discriminatory conduct without your intervention.
Consumer complaint received 2024-10-30
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. (WI)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I BANK AT CHASE. I RECENTLY FOUND A VEHICLE I WANTED TO PURCHASE AND WANTED TO USE A DOWN PAYMENT. I WENT INTO CHASE BANK IN THE XXXX AREA, I PROVIDED MY CREDENTIALS ( DRIVERS LICENSE & CHASE BANK CARD W/ PIN ). THE CASHEIR 'S CHECK WAS FOR {$9000.00}. THE TELLER TOLD ME SHE NEEDED TO GET APPROVAL. HER SUPERVISOR CAME OVER AND WANTED TO VERIFY ADDITIONAL INFORMATION ( MY SSN, MY FULL ADDRESS, MY NAME AS IT APPEARED ON THE ACCOUNT, MY MOTHER 'S MAIDEN NAME, MY DATE OF BIRTH, MY PHONE NUMBER ON FILE, AND EVEN THE LAST COUPLE OF DEPOSITS ) FOR THE AMOUNT REQUESTED. AFTER VERIFYING MY ENTIRE LIFE TO THEM, THEY TOLD ME THAT THEY COULD N'T APPROVE THE CASHIER 'S CHECK BECAUSE THERE WAS A FLAG ON MY ACCOUNT DUE TO NOT ENOUGH ACTIVITY. THE SUPERVISOR THEN TOOK MY DRIVER 'S LICENSE INTO HER BOSS ' OFFICE. I WAS SO UPSET AND EMBARRASSED, I CALLED CHASE BANK CUSTOMER SERVICE ASKING WHY IS THERE AN ALERT ON MY ACCOUNT AND WHY COULD N'T I GET MY CASHIER 'S CHECK TO PURCHASE MY VEHICLE. THE CUSTOMER SERVICE REPRESENTATIVE SAID " I DO NOT SEE ANY ALERTS OR RESTRICTIONS ON MY SIDE SIR, YOU SHOULD HAVE NO PROBLEM GETTING YOUR CASHIER 'S CHECK '', THEN THE REPRESENTATIVE PUT ME ON HOLD TO VERIFY THAT WITH THE FRAUD DEPARTMENT THAT THERE WAS NOT ANYTHING IN PLACE ON THEIR END. THE REPRESENTATIVE CAME BACK ON THE LINE AND TOLD ME THAT HE SPOKE WITH FRAUD AND THEY DO NOT HAVE ANY ALERTS OR RESTRICTIONS ON MY ACCOUNT AND THAT I SHOULD HAVE BEEN ABLE TO SUCCESSFULLY RETREIVE MY FUNDS WITH NO PROBLEMS AT THIS BRANCH. I WATCHED EVERY LAST CUSTOMER WALK IN THAT BRANCH AND WALK BACK OUT WITH ALL THEIR CASH WITH NO ADDITIONAL VERIFICATIONS OR ANYTHING. I HAD TO PROVIDE MY WHOLE LIFE STORY TO THIS BRANCH AND STILL WAS LIED TO SAYING THERE WAS ALERTS ON MY ACCOUNT AND FLAGS NOT LETTING MY ACCOUNT BE PROCESSED. I WAS DISCRIMINATED AGAINST BECAUSE OF MY SKIN COLOR AND MY OUTWARD EXPRESSION THROUGH CLOTHING, OTHER INFRACTIONS WERE PROBABLY VIOLATED DURING THIS PROCESS. IT TOOK FOR CUSTOMER SERVICE TO CALL THIS BRANCH AND TELL THEM TO GIVE ME MY CASHIER 'S CHECK TO GET IT AFTER 37 MINUTES. THE EMBARASSMENT AND EMOTIONAL HURT IS WAS AT AN ALL TIME HIGH. I SUFFER FROM XXXX, XXXX, XXXX, AND NUMEROUS OTHER CONDITIONS. THIS IS NOT HOW A VETERAN OR ANYBODY FOR THAT MATTER SHOULD BE TREATED. I 'VE THOUGHT ABOUT TAKING THIS TO THE MEDIA TO SHOW THAT THESE TYPES OF PROBLEMS ARE STILL VERY ACTIVE AND ALIVE IN OUR BUSINESSES TODAY. I AM GLAD A HAD A FRIEND OF THE FAMILY THERE WITH ME TO HELP ME THROUGH THE UNFORTUNATE EVENT.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (TX)

I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NC)

When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (DE)

I received a copy of my credit report. In detailed it listed a collection account that I have never opened, signed, or agreed to this account. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account.
Consumer complaint received 2024-10-30
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. (CA)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report. XXXX XXXX XXXX Is reporting on XX/XX/XXXX I opened the account The account is closed and was paid off never late however, they are reporting late payments the Account was closed XX/XX/XXXX of XXXX on XX/XX/XXXX The account was updated on XXXX I have XXXX late payments XXXX late payments in XXXX and XXXX late payment in XXXX Then on XX/XX/XXXX of XXXX my Trans Union was recently updated Stating that I have too late payments In XXXX and XXXX payments in XXXX nothing reported on XXXX XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.