davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reporting that a collection Agency named XXXX is fraudulent reporting an account I never had in the time frame they specified on the bill dating back to XX/XX/XXXX. I have repeatedly asked XXXX and TransUnion through disputes for proper validation of this debt since XX/XX/XXXX and I have continuously explained that this account isn't mine. In XX/XX/XXXX, I was with the carrier XXXX at the time and had been for some years. XXXX sending me a bill is not proper validation. Plus the name addressed on the bill is not even my identity.I initialized a dispute with TransUnion on XX/XX/XXXX and they responded back today, on XX/XX/XXXX as " validated ''.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OK)

i have been trying to pay this bill for 3-4 months now, every time i've tried to make a payment it has been returned, or the tried to process it multiple times resulting in over drafting my checking account. i've contacted the company by phone and email and they haven't helped me to fix this problem. i had to close my checking account because they kept trying to process a payment that i didn't authorize, which was continually over drafting my account and causing me to have to pay over draft fees.
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PLS GROUP, INC (IL)

I went into the location located on XXXX XXXX XXXX and {$1100.00} was stolen from me by PLS store manager XXXX XXXX located at the XXXX XXXX XXXX XXXX store. She refused to reverse the transaction. My bill due was for the amount of {$190.00}. She charged my card for that amount then charged it again for {$1100.00} ( which was the majority of my entire check ) I have hardly any money now she also claimed that nothing would be done about it until Monday. Which is devastating since it took her only a couple seconds to steal from me. and no one from her department has tried to reach out to me or assist me in refunding me my money she stole. The store manager also claimed that this was done in error but my intuition is telling me she has a history double charging people 's cards. If this was done in error, how come PLS refuses to refund me my money back. This took place XX/XX/2018 around XXXX XXXX  central standard time. I will be filing a police report .All I want is my {$1100.00} back that was stolen from me. The {$1100.00} was the majority of my scheduled paycheck that I receive every two weeks from my job. I have little to no money since Friday XX/XX/XXXX and I have bills that are due and small mouths to feed and an ill mother that I support I did not authorize that transaction. I don't understand why PLS won't give me back my money. I paid my bill on time which again ; was only in the amount of XXXX. And they still snatched money from my account that I did not authorize. I also will be reporting PLS to the Federal Trade Commission for poor and fraudulent business practices. PLEASE NEVER GET A LOAN FROM THESE THIEVES.
Consumer complaint received 2018-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX my grandfather took out a loan to pay for my education at XXXX XXXX XXXX XXXX. I did not sign any loan documents. In XX/XX/XXXXmy grandfather passed away. I supplied Sallie Mae with a death certificate. I began getting multiple calls daily even after speaking with a rep. They constantly harass me to pay a loan I did not take out. They claim my name is on the debt, but have not provided me with proof. They told me I could not get federal aid unless I paid on this loan. I began making payments so I could continue receiving federal aid. When I found out this was a lie, I stopped paying on this loan. They apparently rewrote the loan in my own name without my permission or signature. In XX/XX/XXXXthey began calling me multiple times each day rarely leaving a message with what appears to be their intent to annoy/harass me. I have had to block several of their numbers. They then threatened me with a lawsuit several times. After those threats they sent me a letter that they would forgive a part of the debt and send me a XXXX XXXX. I never signed this form, but they reduced the debt anyway. They contacted me at my place of employment. After advising to never call me on that number again she continued to harass me. I tried to log in to their website, but my user name no longer matches my SSN or birthday. I have been deceived and lied to by Sallie Mae, now Navient, and continue to be harassed about a loan I never took out. They have ruined my credit for a loan that is not mine.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CURO Intermediate Holdings (TX)

This company keeps informing me that I have a loan with them when they have not been able to verify that I do. They have not attempted to speak with me in reference to any of these loans. They are calling themselves by two different company names. I am so abused and exploited right now. Please help me I have XXXX and XXXX XXXX and I am loosing sleep because of this. 
XXXX CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention AMOUNT OUTSTANDING : {$840.00} This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/2015 but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3400.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 



This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : - XXXX Sincerely, XXXX XXXX Accounting Department Speedy Cash ( XXXX ) Washington DC
Consumer complaint received 2018-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (MA)

On XX/XX/XXXX was transported via ambulance to XXXX XXXX XXXX Hospital in XXXX XXXX, XXXX  following chest pains with difficulty breathing. Was discharged after receiving medical care. Approximately 1 month later ( statement date XX/XX/XXXX ) I received a bill with total charges of {$2600.00} for services provided, but didn't actually see the bill until 2 weeks or so later due to work issues. After insurance payments and adjustments my financial responsibility for the bill was {$260.00}. 

On XX/XX/XXXX I began making {$25.00} per week payments, electronically, directly through the hospital 's payment portal ( XXXX XXXX XXXX ). These payments have continued thru XX/XX/XXXX ( every Thursday, which is my pay date ) so that I have now paid a total of {$250.00} toward that {$260.00} bill. 

On XX/XX/XXXX ( statement date ) the hospital sent the remaining debt, at the time {$61.00}, to a collection agency ( XXXX XXXX, XXXX XXXX , XXXX ). On XX/XX/XXXX I received that notice, again late due to work issues. I actually have made 2 more payments in the meantime so the total debt owed to the hospital is only {$11.00} and that last payment was going to be made on XX/XX/XXXX 

Needless to say I find the hospital 's action completely and unnecessarily hostile. Payments were being made weekly toward the bill so at no time could they say I was attempting to evade them or deny them monies owed. My questions are : Is this legal? Do I have any recourse? To whom do I make the remaining payment of {$11.00}? Has this affected my credit? If so, how do I dispute the action and clear up any negative remarks on my credit history?
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

Discover issued me a Credit Card account with an initial {$8000.00} credit limit. 
I was the victim of Identity Theft resulting in unauthorized charges on my account. 
I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. 

The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. 

I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.
Consumer complaint received 2018-08-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

I have filed a Cease and Desist with Navient formerly Sallie Mae to not call me. They have been calling me daily for the last week. I am not late and do not owe. Have requested in writing valid loan information and they have not sent to me. 

They are breaking the law again.
Consumer complaint received 2017-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have been the victim of ongoing ID Theft for the past few years and have had several fraud accounts reported by EQUIFAX I have sent in lots of police reports over the past few years. Equifax has removed and blocked all the fraud accounts. All of a sudden they are all begin re reported by Equifax and every time I call to find out why I get some overseas person who can not tell me what is going on and barley speaks XXXX!! XXXX annoyed that even with a valid police report Equifax will not removed fraud accounts!!! the following accounts were removed and are now back!!! Police know who is committing this ID XXXX and there are warrants out for the person. They will not continue to take police reports on the same issue!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX KEEPS SAYING THESE ACCOUNT ARE XXXX AND THAT THEY VERAFIED THIS!!! HOW CAN THAT BE WHEN THE PERSON WHO STOLE MY ID IS A WANTED FUGATIVE AND IT HAS BEEN PROVEN TO BE ID THEFT? WHAT PROOF IS THERE THAT THEY WERE TRULY VERAFIED? WHY WERE THEY REMOVED AND BLOCKED BEFORE IF THESE WERE REALLY MINE?.
Consumer complaint received 2018-05-18
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX,  XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XX/XX/XXXX,  XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent inquiries listed on my Experian credit report. The police report case number is # : XXXX.
Consumer complaint received 2018-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
Capital One # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian has on my credit under inquiries of companies I never applied for credit or requested credit nor sign my name for consent to run or obtain my credit. 
Report # XXXX XXXXXX/XX/XXXX on page 14 of 18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied at any of these companies nor have I sign or given consent to run my credit. Every one of these Inquiries need to be removed by Experian and Experian needs to provide from each one listed my signature and application showing my name signature and information for obtaining or running my credit for any or such purchases an application needs to be provided as proof.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (FL)

I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I requested for XXXX BTC to be sent from a digital wallet to my Coinbase wallet on XX/XX/XXXX. On XX/XX/XXXX, the transaction was confirmed, although the money does not show up in my Coinbase account. 

After verifying on the XXXX website, the money is in my account but the Coinbase interface does not allow me to access the money to sell. I will not be able to access the BTC without Coinbase 's assistance, and they are not responding to my requests. 

I 've tried to contact Coinbase several times via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by submitting requests through their website as instructed. I have received zero communication in return.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I would like this case looked at again, this is completely wrong what XXXX XXXX XXXX has done. 

I had a Home Equity line of credit, with XXXX XXXX XXXX, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low 600s OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the EQUIFAX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINEXX/XX/XXXX ANDXX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO XXXX XXXX XXXX WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Critical Resolution Mediation LLC (LA)

I continue to get calls from a lady named XXXX at CRM phone number XXXX She called my job multiple times saying that I owed a money from XXXX- that I borrowed online- that I didnt! and stated that I am going to have officers arrest me and that I can not work at this job with a felony. I am a XXXX  and was in front of a patient, while she was yelling SS #, my address, saying I was a felon, and officers would take me out of a patients room and this was not her fault and she will have them come to my job now! I repeatedly told her that I am not able to answer these types of calls at work and I have no knowledge of what she was talking about. Asked if she could call at a later time. She stated that she was not required to let me off of the phone. She started yelling my phone number and account numbers and stated that I can not hang up or I will be jailed!! She has called my job 2x on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and then called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and my cellphone 4x times XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left messages this morning on my work phone saying this is a felony and if I dont call her back in a few moments she will discuss this with my employer. This lady was very disrespectful, I am at risk for losing my job!! I alspo asked her to supply a fax or email me what she is talking about and she stated that she is not liable to do so and wanted me to supply my information with no follow up.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.
Consumer complaint received 2018-01-23
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: Experian Information Solutions Inc. (FL)

I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.