davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.
Consumer complaint received 2018-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

To whom it may concern : I am writing because 2 weeks ago I spoke with a Representative who informed me that my late fees ( over {$700.00} ) could not be retracted. The problem is that I was awaiting paperwork that was never sent. After speaking with the representative she informed me that my account was set-up for 'online ' and she apologized. My concern is that I was receiving other correspondences from Navient so how all of a sudden did it stop? She could not answer that. The end result was that I would incur the over {$700.00} in late fees and any other fees deemed to my account. 

I am a part-time working mother who makes {$20000.00} Per year at best. I am currently completing paperwork for an Income-Driven Repayment schedule. I have had difficulties been repaying these loans due largely to my son 's XXXX   XXXX that has caused him to be in the hospital several times and requires me to be readily available to his school. This has hindered my financial capabilities immensely. 

I have worked in the XXXX XXXX XXXX fields my entire career and I have not been able to live and afford these loans .... meaning my degree seems not to have benefitted me a great deal. I have been trying to do the right thing by keeping up with not going into default but for Navient to charge me continuously outrageous fees is unfair especially in this case because I was not at fault. 

It's so hard for working parents and ten times as difficult when you are raising a child with XXXX. I am requesting that ANY and ALL late fees be removed from my account. 

Please let me know of the findings and result after your investigation and decision. 

Thanking you in advance, XXXX XXXX
Consumer complaint received 2018-01-29
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: EQUIFAX, INC. (CA)

2nd letter sent by certified mail to XXXX, Equifax, XXXX  & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, EQUIFAX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XX/XX/2017 I sent a wire transfer of {$3000.00} to Coinbase using the information that they gave me from their website. The next day I received an email stating that they would have to return the funds because the names on my bank account and coinbase account didn't match. I figured out why they didn't match and i was fine with that. In the email that they sent they stated that it could take 7 days for a reversal to take place. On the website it stated that It could take 7-10 buisness days for the reversal to take place. It has been 60 days and I haven't received my funds as of yet. I've talked to different representatives at Coinbase and I always get the same response, we've escalated your claim to a higher tier.
Consumer complaint received 2018-01-29
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. (GA)

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX  XXXX Account # XXXX I was never 30 days late int he month of XXXX  2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Accounts, LLC (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2018-01-29
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. (GA)

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (NJ)

This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. 
It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. 
They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.
Consumer complaint received 2018-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have bank of america credit card. I applied for their checking account using the promotion. Provided all the information ( in fact i had the customer profile already been there due to my credit card ) and thus all the information was pulled in. 

But they refused to open my account without any specific reason. Similar set of events happened almost 1-2 years back. It seems Bank of America has flagged my social security number and they didn't provided any specific reason why did so at that time also. 

This is absolutely ridiculous. They are outsourcing the jobs and not letting the US Citizens to open the account - strictest action should be taken against these kind of corporations who recently got their corporate tax being cut down from 35 % to almost 20 %. Neither they are hiring american nor they are buying Americans.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

Hi, I sent a domestic wire of {$7500.00} to Coinbase on XX/XX/XXXX. I have yet to receive the funds, nor have I received any estimate on when my funds would be available. Coinbase 's bank, XXXX XXXX, has confirmed receipt of my {$7500.00} on XX/XX/XXXX. I've called four times, opened four support tickets, and I've gotten the same " in 5-7 business days '' response since Day 3. 

Thanks, XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX  or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under XXXX XXXX XXXX XXXX for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

re : Credit Card # XXXX missing removal of XX/XX/XXXX Late Notice I have a partial Hurricane Irma success story to tell you about BofA President XXXX XXXX XXXX. XXXX published a promise to bofa Credit Card customers on XX/XX/XXXX : He promised to not charge LATE NOTICES for up to Three months for any affected consumers who were unable to pay their bills for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. ( attached Letter published on BofA website ) I am Consumer XXXX XXXX, and I was approved for Hurricane Irma disaster assistance on XX/XX/XXXX. I had my XX/XX/XXXX statement show a refund of {$970.00} and my XX/XX/XXXX statement show another refund totaling {$240.00}. I thank the BofA Disaster Relief Dept in Texas, who told me they approved it in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX and just this past week again. 

The problem is that I am a SnowBird, living in both XXXX and XXXX. I have property in XXXX and had to deal with the flooding and that is why I asked for this Hurricane Rehab approval. 

Please check on complaint # XXXX. BofA got all but the removal of the XX/XX/XXXX late notice corrected. And that is the only thing they forgot to address. 

IF YOU READ PRESIDENT XXXX   LETTER, BOFA PROMISED NOT TO FILE ANY LATE NOTICES WITH CRAs. They withdrew the XX/XX/XXXX late notice from XXXX, XXXX, XXXX, BUT, THEY DID NOT SEND ANY REMOVAL NOTICE TO XXXX NOR XXXX! Under FCRA rules, CRAs must not treat some CRAs differently than others, and I as a Hurricane Rehab consumer, please ask that all negative late notices be deleted since BofA did not respond to anyone uniformly. I have attached the XXXX report here for proof that nothing was reported negatively to XXXX, but, it is report late in XX/XX/XXXX to XXXX and XXXX ( attached ) I filed for notice of damages with FEMA regarding the Hurricane Irma Disaster. As such, I am entitled to be treated as a victim.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Fraudulent charge made by XXXX XXXX XXXX Tel XXXX on XX/XX/2018 for total of {$2400.00}. Submitted claim to Wells Fargo. They did not initiate a fraud investigation. They did not refund the card for the amount. The bank is taking no responsibility, even though it has a chip and I have the card and it could not have bee used at the store. Bank says to talk to merchant. Merchant says to talk to bank, and customer gets XXXX in the process!
Consumer complaint received 2018-01-27
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. (SC)

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
Consumer complaint received 2018-01-27
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. (SC)

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC. (FL)

On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.
Consumer complaint received 2018-01-29
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: Affiliated Acceptance Corporation (OH)

XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.