davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I was originally harrassed by a medical debt collector by the name of XXXX XXXX for the amount of {$240.00}. It was put on my credit report in XX/XX/XXXX. They constantly threatened to sue me, and called several times a day, said they would garnish mine or my husband 's wages, etc. 
After researching their state license here in Tennessee, I found out they are not licensed and have not been since XX/XX/XXXX. They sold the debt off, or began operating under the company called Wakefield and Associates, which is licensed in Tennessee out of Colorado, and the debt was re-added to my  credit report under the Wakefield name.

I believe that the two companies named have broken several laws including HIPAA, and I have no contract to pay the listed amount to the current debt collector, Wakefield.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX : Back in XXXX+XXXX of XXXX, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a XXXX  CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from XXXX XXXX until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with XXXX XXXX? 

CHASE MORTGAGE : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with Chase. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with Chase today, never
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AL)

For the past week I have tried repeatedly to " verify my identity '' with Coinbase so that I can use the funds I deposited in my Coinbase account. Even though they have already verified my identity once, they refuse to do so again, therefore my money is just sitting in my Coinbase account, and I ca n't use it. There is no phone number, email, or mailing address to get in touch with anyone from Coinbase to resolve this issue. I do n't know what else to do except to file a complaint.
Consumer complaint received 2018-01-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC (WA)

Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (GA)

Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (IN)

On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.
Consumer complaint received 2018-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I noticed recently on a credit report included with my apartment application that in XXXX XXXX, there was a hard inquiry for an auto loan by XXXX. I called XXXX and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update Experian because they said that since there were no records on file, I would have to call experian directly. On XXXX XXXX, I called Experian to dispute this, and they refused to dispute it or to investigate or to call XXXX. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call XXXX again. After this long argument about how he could not and would not investigate, I called XXXX XXXX back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that XXXX  takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.
Consumer complaint received 2018-02-13
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: Experian Information Solutions Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of written letters and copies of online disputes sent to you previously over a course of a year will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite written requests, online disputes and phone calls, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have also sent a copy of this letter by certified mail to you. I have given Experian way to long to rectify my issue. You have 15 days from the date of receipt of this letter to fix my concerns.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT STATE TAX LIEN PUBLIC RECORD UNVERFIED ACCOUNT
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am writing this letter, because I had previously been charged a total of {$1.00}, XXXX from a store on my statement as XXXXXXXX XXXX  which actually name is XXXX a store in XXXX XXXX XXXX XXXX. There were three charges of {$410.00} and two charges of {$160.00} which totaled to {$1500.00}. I actually realized these charges were there later that day and contacted Chase bank to dispute, but they told me that the department was closed and I would have to call the next day. The next day I called to have these charges removed, but my claim was denied as my bank stated that I inserted my card with chip and the pin was used. I explained to the bank that I was only buying something at the store that was about {$5.00}, but every time I would put my pin in the owner said the card wasn't working and he had a different charge up and would change it. There charges were all the same amount multiple times and Chase allowed all of them to go through at the same time which is clearly fraud and unusually activity, but the bank continues to blame me. One charge Chase did reverse as it came through the next day after I made my claim, but Chase has since decided not to honor this and returned the amount. All of these transactions took place at the same time on Friday XX/XX/year> in XXXX XXXX at XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX   XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. 

On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. 

There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX   XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX  XXXX XXXX, not Bayview Loan Servicing. 

The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. 

This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. 

Both banks will NOT RESPOND TO MY REQUESTS.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

I just received notification from XXXX XXXX XXXX that a collection was added to my credit report. According to XXXX XXXX XXXX it was reported inXX/XX/XXXX I had to XXXX  the company on my credit report and found that they were a collection agency. They are claiming I oew # XXXX but I do n't know who I supposedly owe.
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, a company called XXXX XXXX Showed up as an Inquiries on my credit report. I was not looking for any credit or loan for the last 6 months so no one should be pulling my credit. I immediately called Experian and ask them about it and why do n't the inquiries have a telephone number on it so I can call and see who pulled my credit and why. I also put a lock on my credit to make sure this does n't happen again. It is a very comfortable and scary when company pull your credit without your permission because it could be someone trying to get a credit card or a loan in your name without you knowing. Whoever company did this pull my credit did it without my consent and I want the inquiries to be removed from my report and a notice sent to them that this inquiry was fraudulent because I was not looking for credit from anyone during this time. I did a dispute with Experian and ask them to remove this inquiry. No company should pull anyone credit without your consent no only it violates someone credit report, it takes down your score up to 7 points and also can look at as if you were looking for funding and most lender look at recent inquiries as a negative thing that can stop you from getting funding. No good lender want to give you funding if they think you just got funding, they are basing your debt on what you have at that time. The second pull from XXXX XXXX is on XX/XX/XXXX I am not sure where that came from because it is 7 months ago. Be I am 100 % the first one on XX/XX/XXXX was not done by me or my consent.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (UT)

Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$890.00} High Balance {$630.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

After being relieved from my lease due to a breach in contract and vacating my unit XX/XX/XXXX I received an email from a representative at XXXX for a move out statement on XX/XX/XXXX claiming I owe {$770.00}. On XX/XX/XXXX I  disputed the balance as inaccurate and after that I didnt receive any further communications from this company verifying that this debt is accurate. I received an alert from the credit bureau stating that a new account was added to my report so I checked it to see that XXXX had sent a bill to collections with an entire new balance in the amount of {$860.00}. So instead of verifying the accuracy of the fees from the move out statement, they added more fees on top. I had not received any communication from the reporting agency or the original creditor since I disputed the original statement on XX/XX/XXXX so I was unaware that it even existed and was not given the option to dispute it or revived any notice of said debt before it was placed on my report in XX/XX/XXXX. I have recently reached out to the original creditor and they are also refusing to provide me with any validation. I have timestamped photos from the day of the inspection showing the unit was clean, I have copies of the exchange of emails between the community manager and I, and I also have a portion of my lease where it shows that they violated the terms for a move out procedure and sent this account to collections while completely ignoring my dispute. The only correspondence I received from XXXX was for a bill in the amount of {$55.00} that was sent on XX/XX/XXXX.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Stenger & Stenger, P.C (GA)

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed now Im trying to fix my credit