davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
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. (CO)

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a toxic property sold to me at XXXX XXXX XXXX XXXX, Arizona with arsenic, and that caused default. I received no response from them except one recent reply from transunion. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

Delta sky miles American Express card Signed up for card with delta agent at airport for XXXX miles -also received delta mailing with XXXX offer ( thought it was welcome kit ) also received card and separate mailing with pin. when I called to activate card and confirm I received offer of XXXX miles with $ XXXX purchase in 1st 90 days - Advised by Amex rep I only have XXXX mile offer - and she could/would not change - I asked for manager - she advised none avail all in meetings. After over 30 min requesting correct offer and supervisor - rep advised she would file case for me. She advised it would take 8 weeks - ironically- offer would expire by time case resolved - I feel I have been deceived and scammed. Rep not helpful and not willing to escalate to supervisor. I requested supervisor call back after XXXX XXXX next biz day - recvd call at XXXX XXXX - advised I could not take call during work - asked for number to call back and supvr name - advised she would/could not give her number and I requested call at XXXX Now XXXX XXXX no call from Amex - i feel this is extremely deceptive - classic bait and switch - offered one promotion and not enrolled properly - I offered details and still denied the appropriate offer. Amex case process does takes 8 weeks so participants can not earn XXXX reward. Big company making it so difficult to resolve issue that consumers give up! Please help consumers stop the bullying by big financial services companies!
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.
Consumer complaint received 2017-06-16
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. (NJ)

I filed a dispute with Equifax to have a collection account that does not belong to me removed. I believe that they did not investigate this matter properly because it was removed from my other credit reports immediately. I received an email from Equifax stating that the dispute was complete and it wo n't even allow me to see the information.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!
Consumer complaint received 2017-10-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial & Investment Corporation (TX)

XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and XXXX.
Consumer complaint received 2018-01-10
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. (TN)

I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXXand XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX.  But XXXX refuse to take actions to correct this issue.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

It is about Binary Option trading Company called XXXX XXXX. Who took my Credit Card money totaling {$68000.00} and said they would invest it in stock trading and they would make payments to my credit cards on a monthly bases. As days and weeks and months went on I said where are my payments to my credit card. So In XX/XX/XXXX they credited my credit card {$1200.00} and in XX/XX/XXXX They send me money of {$2100.00} to my Bank Account for more payments. So when this all started in XX/XX/XXXX thru XX/XX/XXXX they said they would send me payments each month, but after XX/XX/XXXX. they said they were no longer going to pay any more money to my credit cards. So XXXX I XXXX XXXX XXXX and found some people getting scammed with this merchant. I Talked to the account manager and I seen that their business did not have a binary option trading in the United States. After that XXXX XXXX shut down their business on line and disconnect their phone and I could not talk to them anymore. So them I disputed all 3 credit cards XXXX XXXX, XXXX XXXX .I received credit to credit cards totaling {$24000.00}. The disputes that I had with Bank of America card Totaling {$40000.00} I did not receive any settlement from them because they said I received credit back to my credit card and my bank account. So the question where is my {$40000.00} that XXXX XXXX has. I checked with an Attorney and they said the merchant is not in XXXX, XXXX. They are in XXXX XXXX, XXXX and they are a scam binary option trading stealing peoples money. The attorney told my that they are after them for millions of dollars that they took from people.Bank of America will not return my money to my account that I disputed and also the money they took from my credit cards is the same money they sent back to me as credits.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (AZ)

Numerous calls to my place of employment by a " Collection Agency '' named Alliant Capital or something like that. Telephone # XXXX. After getting numerous messages from co-workers stating that a " XXXX XXXX '' was looking for me, I decided to call the number back to see what it was concerning. I got a hold of a man ( do not remember his name ) who was extremely rude, was acting smart and mocking me, acting like it was a joke when I asked to provide me with proof and validation of the debt I " owe ''. Stated he would send me a letter from the company stating what I owe ( in excess of 2k ). I again asked for documents ( signatures, contract, etc ) supporting the debt owed he proceeded to laugh and say good luck. I then asked to stop calling since the number being called was my work number he laughed and said we will continue to call, I then said this is a request to cease and desist any further calls and he said I had to send it in writing and that until then, the calls would continue. 
I expect this company to NEVER contact me again.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Brelvis Consulting, LLC (PA)

I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NC)

I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Choice Assets LLC. (PA)

Constant phone calls, when you answer the line hangs up! they keep calling my cell, my wife 's cell, plus my home phone!. They never leave a message!. So my wife called back the phone number, XXXX and was told that she was calling First Choice Assets. Then they asked to speak too XXXX Which is me. So my wife hands me the phone, and the person on the other end was XXXX, i cant remember his last name. It started out that he needed me to verify that i was XXXX by giving him the last 4 of my social security number, which i am sorry i did!! Then i ask XXXX what is this call about? He starts telling me that he is a dept collector, that i owe a balance from a medical bill which my insurance paid, and i am responsible too pay the balance owed.He tells me this is back in XX/XX/XXXX and the name of my insurance company was commercial medical ins. Now it gets better!, because he lets me know that this phone call is being monitored then tells me that i owe {$250.00}. I told XXXX that i have no idea what he is talking about, just send me papers and i will look at them. Then he goes into the next phase of his tactic 's asking me am i refusing too pay the balance owed?. Well by now i have reached my boiling point and lost it, i told XXXX yes i am!! especially to you! I might have cursed at him, because he raised his voice, which he did not intimidate me at all!! I told him to do whatever he has to due, and hung up! Also be advised that i did not have a Commercial medical insurance policy, and i do n't think they Exist.This phone conversation was on XX/XX/XXXX in the evening between XXXX.