davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$3700.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (AL)

My loan with ACS changed to Conduent Education. I was informed that I would not have to change any information, and that everything would stay the same. When I went to log in to make a payment, it told me that I did not have an account and that the action was not available.

I tried changing my password, and the system recognized that I did have an account, but then it told me that there was no loan associated with my Social Security number.

I tried calling the customer service number provided, and it asked for my social security number without giving me any other options. Again, I got a response that said there was no account associated with my social security number.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MI)

I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

on XX/XX/2017 I received mail fromTransUnion and the letter stated that 9 items was deleted. I was't notified, which is required by the FCRA, that these items will be reinserted. The original letter showing the 9 items was deleted will be in the attachment below.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these hard inquiries are fraudulent and doesnt belong to me and need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc. (OH)

XXXX XXXX from ARA XXXX ext XXXX has called XXXX XXXX 2018 at XXXX. Left a voicemail that had all of my information date of birth, ss # making threats to send someone to my place of employment or my home and have me taken away for fraud. She has called my parents and talked to them stating on the same day I have several fraud charges against me and they are going to take me away. I have no such charges and have no idea what they are talking about. They called my daughter and said they are going to take her to jail because I listed her has a contact and I am not calling them back. Why is this place still in business? They are constantly harassing and making up stories and calling multiple family members.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a payroll check from XXXX XXXX XXXXXXXX XXXX XXXX, on Friday, XX/XX/2018. Bank of America froze {$430.00} of it. They have put a 14 day hold on these funds, stating they will not be able to be used or withdrawn until XX/XX/2018. I have talked to a branch manager and a customer service representative of the bank. I was told that since the check was from XXXX XXXX, I would have to talk to them about expediting the release of funds. I called XXXX XXXX and was told that they never hold checks for more than 7 days. Bank of America then told me that due to excessive overdrafts, that they would not be releasing my funds any sooner than the 14 days. I have banked with Bank of America for years and have only had two overdraft fees, which they reversed. 14 days is excessive and it is my money. I have to pay bills, buy groceries, gas, etc. Never have I ever experienced such difficulties from them. I need that money. How am I to survive without my payroll? I work hard for that money and CAN NOT wait another pay period to receive my money. I am very unhappy and once this is resolved, I will no longer be banking with them. They have had my business for an excess of 10 years and I have never, ever incountered this problem with them.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I accidentally bought XXXX Ether and put it in my Ethereum Vault. What I meant to do was put it in my Ethereum Wallet. It was too late to change the destination as I already initiated the purchase. So after making the purchase, I proceed to immediately withdraw the Ether from my vault to my wallet and was informed of the 48 hour waiting period. Ive surpassed 48 hours and still have not received my XXXX Ethereum in my wallet. This is all on the Coinbase Mobile App.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STONEGATE MORTGAGE CORPORATION (WI)

My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX XXXX.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (PA)

I have been dealing with XXXX XXXX since XX/XX/2016 which required XXXX, major XXXX with complications and multiple subsequent XXXX of which I still have 2 more to go. I had 2 medical accounts that were sent to a collection agency by my hospital when I was trying to set up arrangements with them. They told me it wasn't a real collection agency and wont affect my credit report. So I just went with it and made arrangements with the collection agency to pay XXXX per month on both accounts. The balance on the accounts were XXXX and XXXX approx. I said I would like to pay online and that was agreed upon. From time to time the payment would not be accepted, saying I was not paying enough money even though I was putting in a payment for XXXX as agreed upon. So I had to call. They tried to tell me the payment was late which it was not. This happened a number of times and I got so sick of calling to have them reset things. Sometimes I just paid the additional amount they were asking for but I couldn't continue to do that. I have been paying down 4 other medical accounts, my son also needed XXXX  XXXX in the middle of this .... It had become time consuming to handle all the paperwork and I wasn't feeling well. So in the middle of a bad month, it happened again and by the time, I had a chance to call, the payment was then late. As soon as that happened, of course, they reported it to my credit which I only learned about yesterday. I called yesterday and got blamed again for paying late. I was talked to like a child which made me so mad. Especially after the person I spoke with said something that I called her out on being untrue and then she completely contradicted herself. I told her that if this is the way they treated me, I won't be paying them off first and to bump me down to XXXX a month. So today I went to apply my payments and both accounts come back saying I owe more. So I called again and now I'm being informed that XXXX payments won't be accepted online. My options are payments by phone or mail a check. Phone payments are not secure and I do not trust mailing a check for a lot of different reasons. It seems that if they are in the business of collecting money, they would accept anything that was being sent to them. I've been spoken to in a disrespectful and passive-aggressive manner which has tried my patience and reduced me to angry words. Today they hung up on me which left me sobbing. I am trying to get my life back on track from the past 2 years and emotionally struggling and this feels like a kick in the gut.
Consumer complaint received 2018-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I have been locked out of my Coinbase.com account pending id verification, which I have submitted numerous times incidentally, since XX/XX/XXXX without even a peep of support follow up from Coinbase. They have never replied to any support request I have submitted in spite of the fact that I deposited money when I originally opened the account.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have an account with XXXX and I have been trying to cancel my account with them but I am not able to reach anyone to cancel my account. The website states that the accounts can be cancelled by calling XXXX, however I have called numerous times and every time I called they told me that my waiting time will be over one hour and sometimes even over two hours. I have waited on hold a few times for a very long time and was not getting through to them. In the meantime they keep charging me the {$27.00} per month while making it almost impossible to cancel the account.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I want to provide USAA with additional prove that I was a victim of fraud back in XX/XX/2014. Again the case was tried in the court of Law by the State Attorney Generals office if Delaware Case Number # XXXX. In this compliant I want to provide USSA a copy of the Bank Wire from my personal bank account where I paid for the car with my personal funds. In addition to the documentation I am enclosing an email correspondence, in which XXXX XXXX XXXX acknowledged to have received a direct wire from me to purchase the XXXX XXXX XXXX XXXX, which provides verification of fraud.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I conducted a transaction using Wells Fargo that used XXXX to pay for XXXX XXXX tickets with an individual I met on XXXX. We discussed over the phone and text messages that the terms for 4 XXXX XXXX tickets at XXXX stadium would be for {$2200.00}. He requested I use XXXX since it 's bank to bank and the electronic transfer of tickets would be made immediately. The individual mentioned that he was unable to receive the transfer, so he wanted to meet in person. After several attempts to try to meet, the individual said they cancelled the transaction, to give it a couple of days to refund, and gave the tickets to someone else. I knew immediately something was fishy so I immediately filed an online fraud claim with Wells Fargo. On XX/XX/XXXX, I followed up with Wells Fargo online fraud. Since I used XXXX, Wells Fargo claims no consumer protection and would not provide me with any information of the individual 's bank or real name after saying that the service is only for friends and family, not strangers. Absurd since that information should be readily available if they 're known to me! They said this would require a subpoena via legal avenues, so I filed a police report with the text messages with the scammer. I just received the copy of the police report today on XX/XX/XXXX Shocked that Wells Fargo and XXXX would allow this!
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I closed my account with XXXX XXXX XXXX internet when I moved out of my apartment. Even though the new tenants were using another XXXX XXXX XXXX account at that address, XXXX XXXX XXXX apparently did not close my account as they said they had and continued to charge me a monthly bill until I noticed and called. The billing immediately stopped at an owed amount of {$300.00}, and I was told I was not responsible for the mistakenly charged amounts. Now, several years later, I received a letter from Diversified Consultants, XXXX stating that they are attempting to collect the fraudulent debt on XXXX XXXX XXXX 's behalf.
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX Bank continues to " run '' my credit history even when I put them on notice numerous of times. I never consented and I even filed a Fraud Alert with credit card companies to stop anyone from running my credit history resulting in a hard credit inquiry on the report, thus reducing my credit score. I want the hard credit inquiry removed. Why does XXXX continue to hurt consumers credit history?
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I am very dissatisfied about a negative reporting that had been placed on my credit filed without my acknowledgeable, but smear lie, bias, discrimination, bigotry and because of my feminist status. I am a hard working XXXX that hardly afford to pay my own bills, in fact I have never done business with the alleged creditor for the past years while being in the united states. XXXX XXXX XXXX did n't just report the wrong information, but they also violated my consumer right, and that has hurt my credit in some way of the other. I request that the information reported by the management be removed, and necessary action taken against the management for making such ignorance statement.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I wish to lodge a complaint regarding the debt collection practices of Portfolio Recovery Associates. I  am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be XXXX XXXX ), but Portfolio Recovery Associates is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, 2016, I sent a letter requesting Portfolio Recovery Associates to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, Portfolio Recovery Associates have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus.

In addition, a representative of Portfolio Recovery Associates called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.