davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Loantopia (CA)

initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2017-10-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Creditors Connection, Inc (TX)

Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on XXXX/XXXX/XXXX. 

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. XXXX  is fully aware of this as indicated by them verbally and in writing. 

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from XXXX/XXXX/XXXX onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency XXXX has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (WI)

In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CarMax, Inc. (FL)

I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I took out private and federal loans for XXXX XXXX XXXX in XX/XX/XXXX. The school was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I attended that school for 2 years graduating in XX/XX/XXXX. I obtained a XXXX in XXXX XXXX XXXX Learning that in XX/XX/XXXX XXXX XXXX schools closed all over the country questions my degree 's integrity and merit. I am in the process of payments for these loans that have only grown because of interest. My debt has grown. My federal and private loans are about 40000 in total. I originally took out this loan to further my education. XXXX XXXX XXXX does n't exist anymore but my debt is still very real.
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: Experian Information Solutions Inc. (IL)

This is in response to CFPB Case XXXX to Experian 's response. XXXX  replied and completely twisted my words making false accusations stating that I said that I " have not received any documentation relating to the account ''. This is what they are basing their response off of. When I in fact said that Experian DID send me documentation but the documentation sent does not qualify as legal " Verification or Validation '' Seeing as its nothing but a {$0.00} Balance letter from the debt collector. I also in fact stated that I was not shown a BILL OF SALE between the debt collector and the originating creditor, which is true. All they keep sending me is this single documentation from XXXX  XXXX which is a {$0.00} Balance letter crafted by them. All this is is showing that there is some account out there that they have me listed under with a {$0.00} balance. How is that Verification? Also Who actually verified this claim? These are the EXACT things I ask Experian to answer which they DID NOT and just keep giving me the general statement that " The data furnisher and or public record vendor verified '' .... Well why do n't you have copies of signed documentation by me or the BILL OF SALE of the debt by the data furnisher?? A {$0.00} balance letter does n't mean anything and that 's all I was ever sent. I was never sent a contractual agreement. Just sent a {$0.00} Balance Letter and a Bill. That is completely invalid under the FCRA and this WILL be removed or my lawyer WILL be working this case against both Experian and XXXX XXXX. RESPOND WITH ALL MY REQUESTS ANSWERED IN DETAIL OR REMOVE XXXX XXXX FROM MY CREDIT REPORT. ONCE AGAIN A {$0.00} BALANCE LETTER IS NOT VALID VERIFICATION AND WILL NOT HOLD UP IN COURT. I WILL CONTINUE TO FIGHT THIS. You all cant even provide a contract that shows XXXX XXXX has the right to collect for me!! Where is that contract??
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my XXXX XXXX. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my XXXX XXXX, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc. (OH)

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent a letter in reference to multiple collection accounts I had found from them on my XXXX Credit Report. I asked for verification and validation. I received a letter from them dated XX/XX/XXXX which  included simply a list of all of the supposed debts that they were attempting to collect on. They never provided documentation from the original creditor or anything at all that had my signature on it. They provided nothing to me that proved they have a legal right to collect this debt. It is not enough for to simply send you a printout of the amount owed. In fact, shortly after their response letter to me on XX/XX/XXXX, they began listing these supposed debts on my XXXX Credit Report. They were never listed on my XXXX Report at all prior to this time, and most of these supposed debts show open dates three or more years ago. It would appear to me that after my request for validation/verification that they not only did provide to me the required documentation but also retaliated by adding the supposed debts to another credit bureau report. Since XXXX XXXX XXXX has not provided any of the requested documentation to me, I insist that all of these account be deleted from my XXXX, XXXX and XXXX  reports immediately.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$720.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$190.00} Date Opened XX/XX/XXXXXXXX XXXX  Balance {$270.00} Date Opened XX/XX/XXXX **Bankruptcy** -- This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA XXXX! XXXX XXXX ( a ) XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Several years ago I had all 3 CRAs add a an extended fraud alert onto my credit file. At that time, I had both cell number and resident landline. Approximately over 3 years ago, I cancelled my landline and requested the 3 CRAs to correct the phone number listed on my fraud alert to only reflect my cell number. Equifax only accepts changes to the fraud alert in writing so I had to write to them to get it corrected both times. I believe I requested this change in XX/XX/XXXX and again in XX/XX/XXXX but whenever I check my credit report with them, I would see a second number showing on my fraud alert. When I recently signed up for the product they are offering due to the recent breach into their database through XXXX, I also checked my credit report and found a second phone number again showing on my fraud alert. I have been trying to call Equifax since approximately XX/XX/XXXX but I have been unable to get through their line. I only have time during my lunch break to call them and their hold time is more than 15 minutes ( that is if the line is not busy ). When I tried calling them after I get off work, their office is already closed. I tried calling several times a day but I have been unable to talk to anyone. The 2nd number that is showing on my fraud alert is XXXX. I want to know how a second number got added to my fraud alert since I have requested twice already to only have my cell number on it.
Consumer complaint received 2018-01-10
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. (NC)

I submitted a dispute on XX/XX/2017 with Transunion through XXXX XXXX. My dispute is over the validation/verification of my Bankruptcy. Since it has been over 30 days I want the Bankruptcy # XXXX removed because Transunion has not provided proof of validation of the Bankruptcy # 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am in central FL which was considered a disaster state after Hurricane Irma. My other credit card companies were not reporting late payments until XXXX. I thought I made a payment to my Kohls card earlier in XXXX, but for some reason it didnt post. I completed it again on XXXX. Shouldnt the reporting been on hold based on the provisions provided by the Federal Government?
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XXXX XXXX XXXX, I transferred XXXX bitcoin from Bittrex.com to Coinbase.com. While XXXX shows the transaction was completed and successfully sent, Coinbase does not show that any amount of this transaction was received, or even pending. There 's no evidence on Coinbase that any bitcoin was received at all. I have contacted Coinbase about this issue twice in the past, once via the online support on XXXX/XXXX/XXXX ( Case ID : XXXX ), then again through Coinbase 's telephone support on XXXX/XXXX/XXXX ( Case ID : XXXX ). These cases are still open on Coinbase and unresolved. I have been unable to gain access to my funds in nearly 3 weeks. 

Through XXXX I was able to find my Coinbase address to which I sent my Bitcoin, as well as the Transaction ID : Address : XXXX TxId : XXXX
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: Experian Information Solutions 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 XXXX. 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 2018-01-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (OH)

I have been paying a debt on a student loan I cosigned for eight years ago. I was paying XXXX XXXX, then XXXX, who sold the debt to XXXX XXXX XXXX XXXX. I have been paying every month but the loan does not reduce. I asked on XX/XX/XXXX 2017 for XXXX XXXX XXXX to send me a copy of all payments made, both to XXXX and them. I asked because their website will not navigate you to your loan. I have no idea how much has been paid, etc. I also asked for a copy of the promissory note. When I call I have to leave a message for " XXXX ''. but my calls are never returned. I was told back in XX/XX/XXXX to pay XXXX XXXX and the loan would be forgiven. That 's when I started asking questions and now no one will talk to me. I have asked our bank to stop payment but I have to go through XXXX XXXX XXXX. I feel we have more than paid the loan off and are being strung along. Our attorney suggested reaching out again, but they do not respond. he suggested filing this complaint. I would like answers and paperwork before I go back to our attorney and file charges.