davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/XXXX, the current debt from Nissan Motor Acceptance was {$12000.00}. On this date my attorney settled the debt for {$3800.00}. I have my legal documents from my attorney who worked with XXXX XXXX XXXX ( Debt Collection Company Nissan Motor Acceptance used ) to settle this debt with Nissan, which on the documents it states to pay $ XXXX  on XX/XX/XXXX, and at the end of each month I pay {$160.00}. I 've made every payment on time through my bank for proof it was paid on the agreed dates. At this time my current debt with Nissan Motor Acceptance should only be {$1500.00}. This is taking into account my payments for XX/XX/XXXXand XX/XX/XXXX I paid each month early to XXXX XXXX XXXX like the agreement states.

I disputed the balance of {$10000.00} on my credit report in XX/XX/XXXX with XXXX I sent in my document from my attorney and XXXX XXXX XXXX  to show XXXX proof that the debt was settled for {$3800.00}. Today, XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating that my credit report has been updated regarding the dispute, however ; it still reflects the incorrect balance of {$10.00}, XXXX. I called XXXX today XX/XX/XXXXand I was advised that Nissan Motor Acceptance refused to update the balance. I asked if Nissan Motor Acceptance sent in any documents to dispute my claim and I was advised that they had not. The original balance of {$12000.00} has been clearly subtracted from the $ XXXX I paid inXX/XX/XXXX and the {$160.00} I paid in XX/XX/XXXX which is my agreed upon amount per my documents from my attorney and XXXX XXXX XXXX through Nissan Motor Acceptance. It does not reflect my payment of this month of {$160.00} which is understandable, because I just made that payment onXX/XX/XXXX.

It is my right as a consumer to have the correct information reported on my credit report. I 've tried to resolve this through XXXX  but their process and their customer service agents were always rude and never helpful. They only repeated themselves and had no solution or resolve. XXXX also keeps stating my current address in not reflecting on their credit report, however ; the credit report they sent todayXX/XX/XXXX that was dated XX/XX/XXXXreflects my current address. So it 's been like dealing with children that only read a computer screen and do NOT have any understanding of anything. Thus, I have not even attempted to dispute with the other credit reporting bureaus. I 'm working 10 hour days, 6 days a week and as a consumer I should not have to fight XXXX for information regarding my dispute or why my report has n't been updated. XXXX XXXX document dated XX/XX/XXXX clearly states my dispute information has been updated and it has not. That is misleading to the consumer and XXXX will not be helpful in giving an explanation as to why their document says one thing, but the REAL resolution on my credit report says XXXX is a lier.
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

A debt was sold to a new collection agency ( XXXX ) for XXXX who did not notify me within 5 days that the debt was being sold or even call me or send me a letter to give me the oppurtunity to settle the debt or dispute it before it was added to my credit report which is a violation of the reinsertion law they reported on XX/XX/XXXX
Consumer complaint received 2017-12-23
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. (CA)

I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Collection Management. Inc (MO)

The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX -- ( XXXX ) XXXX AND XXXX XXXX I, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX 
BALANCE : {$2000.00} IN XX/XX/XXXX XXXX XXXX XXXX NOW KNOWN AS XXXX  SOLD THIS ACCOUNT TO XXXX XXXX I, XXXX. IN XX/XX/XXXXXXXX XXXX SUE ME IN COURT TO COLLECT THE DEBT. DURING THE COURT PROCESS XXXX XXXX COULD NOT PROVE THE DEBT AND FILE A VOLUNTARY DISMISSAL OF THE CASE. SEE EXHIBITS.
Consumer complaint received 2017-12-22
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: NAVY FEDERAL CREDIT UNION (HI)

In their response to my complaint # XXXX Navy Federal Credit Union stated that they removed my name from account # XXXX on XXXX XXXX, XXXX as an additional card holder and notified all XXXX nationwide credit reporting agencies on XXXX XXXX, XXXX, which includes XXXX to update their information to reflect this new information. However, because my credit report from XXXX did not get updated as of XXXX XXXX, XXXX, I called XXXX to find out why and they told me that they have not received any communication from Navy Federal Credit Union. I was told that information by XXXX different persons at XXXX on the same day. My husband also tried to call the contact person from Navy Federal Credit Union mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX, XXXX my husband spoke to a credit card servicing agent at Navy Federal Credit Union to discuss the conflict between what they reported in their response to my complaint and what XXXX  was reporting to me and they stated they would re-submit to XXXX the updated information and notify my husband when that was done. There has been no response from them as yet.
Consumer complaint received 2017-12-22
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 — Problem with personal statement of dispute
Company: Synovus Bank (IL)

XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Consumer complaint received 2017-12-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (WV)

On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (OR)

This involves two different issues that I need solved in the next four days ( byXX/XX/XXXX ), otherwise I will have to escalate this even further.

I was previously given a Dividend card sometime in XX/XX/XXXX, and a few weeks ago (XX/XX/XXXX) I was approved for a ThankYou Premier Card. I have attempted to have both of them shipped to me successfully ( a basic thing ) and both have been misdelivered or lost in the mail, the first ( Dividend ) somewhere between three and five times now over the course of seven months, and the Premier sometime over the last week.

I needed the Dividend for a relevant purchase over six months ago and have still been waiting for it to arrive. I was told by one representative that it was " already sent, '' but it never arrived, then told by another that it was returned as undeliverable ( that would be Citi 's issue, not mine, as I have a correct address listed ), and by another after several attempts to have it sent that it " was sent over a week ago '' ( when it had been sent several months prior ) but that a new card would be expedited to my address at the time and " arrive [ within two days ] '' ( two weeks later and it still has not shown up ).

The Premier card was supposed to have arrived over a week ago, and is needed byXX/XX/XXXX for a relevant major purchase, but has not shown up.

I have moved from the address I previously listed and will be moving again shortly, so I need it delivered tomorrow ( Saturday XX/XX/XXXX ) or Tuesday ( XX/XX/XXXX ) -- no exceptions. The address it must be delivered to is NOT the following, as I have moved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX but is the following : XXXX XXXX XXXX XXXX XXXX OR XXXX I am moving again onXX/XX/XXXXso both cards absolutely must be delivered by XX/XX/XXXX ( doable through overnight or same-day express delivery ). Again, they must be delivered to the following address : XXXX XXXX XXXX XXXX XXXX OR XXXX I did not want to use the CFPB to accomplish such a basic task as receiving credit cards after seven months, but I have continuously been told false things or downright ignored in every other method of contact ( phone, email, online forms, etc ). I even called a few minutes ago and as soon as I explained my situation, the rep went completely silent and did not respond.

I do not have my card numbers ( as the cards have never arrived ), so the only identification information I can give you are the two addresses listed above, my name ( XXXX XXXX ), and my online user ID ( XXXX ). That should be sufficient, however.
Consumer complaint received 2017-12-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I am customer with Coinbase and have been with them for about 4 months now. I never had any problem with them until I try to log onto their website from XXXX, XXXX. I did NOT do any transaction just tried to log on to check current price levels. Coinbase immediately locked my account and has not responded to my many emails, opening of support tickets etc ....
Consumer complaint received 2017-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap
Consumer complaint received 2017-12-23
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: U.S. BANCORP (TN)

In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. 

XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. 

I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. 

The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 

The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. 

XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. 

All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. 

Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. 
I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. 
All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. 

I never would have known if it was n't for Consumer Financial Protection Buearu. 

My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. 
The Bank sent this information to me upon request in XX/XX/XXXX.
Consumer complaint received 2017-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I sent a deposit of {$3000.00} and {$2000.00} on XX/XX/XXXX from my bank to the company ( Coinbase ).  After a couple transactions ( buys, sells, withdrawals, and deposits ), I was left with a total of {$6200.00} in my account ( XXXX XXXX ) onXX/XX/XXXX. I then tried to withdraw some of my money, however I received a message saying " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''. I emailed the support team about this, due to the fact that I was able to do transactions freely before. I sent the support team 3 emails on ( XXXX XXXX, and XXXX ), all with messages relating to my problem ( system wo n't accept the additional information needed, why ca n't I withdraw from my account, etc. ). These emails were sent 13, 11, and 9 days ago. I have not received any helpful responses ( just really general automated responses ), thus I can not withdraw the money I deposited.
Consumer complaint received 2017-12-22
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 (MA)

Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NC)

I WAS NOT AWARE OF ALL THESE CHARGES THAT WELLS FARGO CHARGED ME I AM TALKING ABOUT 10 CAR LOANS WITH THEM DATING BACK TO 2012. IF YOU PULL UP MY CREDIT REPORTS YOU WILL SEE THE LOANS ALL PAID COMPLETELY. I WAS NOT AWARE OF THE FRAUD THEY CREATED AS WELL. I PAID A LOT OF MONEY ON ALL THOSE CAR LOANS. I PULL XXXX AND XXXX AND ON EACH THERE ARE 10 CAR LOANS PAID IN FULL AND CLOSED. 
I HAVE ATTACHED THE CREDIT REPORTS. AS WELL.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.
Consumer complaint received 2017-12-22
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. (AL)

Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting information in the file of a consumer that the CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Credit Systems, L.P. (NJ)

On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.