davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
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. (MI)

Per the Fair Credit Reporting Act, I have made multiple requests to Trans Union to validate information reported on my credit report and to provide me with copies of any documentation associated with the information reported in the entry reflected on my credit report. Each time Trans Union responds with the statement verified and updated. They have neglected to the validate information reported on my credit report and to provide me with copies of any and all documentation associated with reported information. With each request, the information reported is updated to simply change inconsistences and to re-age the account as of the date of the request. Each time these changes are made, my credit score is lowered significantly by the re-aging. 

As of this date, Trans Union/XXXX continue to report unverified, unvalidated, inaccurate and, inconsistent information on my credit report. 

Below are a few examples of the inclusion of unverified, unvalidated, inaccurate, inconsistent information on my credit report with Trans Union ( evidence is enclosed for your reference ) : 1. XX/XX/XXXX : The account shows closed on XXXX as a charge-off with a balance of {$10000.00}. ( Exhibit A ) 2. XX/XX/XXXX : The account is reporting payments made in XXXX and XXXX which re-aged the account. ( Exhibit B ) 3. XX/XX/XXXX : A remark was added Charged off as bad debt Profit and loss write-off. ( Exhibit C ) 4. XX/XX/XXXX : The account shows closed XXXX with a balance of {$12000.00}. ( Exhibit D ) 5. XXXX, XXXX : Per XXXX XXXX, Trans Union is reporting that the account was late one month ago which would be XX/XX/XXXX ( re-aging the account ). ( Exhibit E ) 6. XX/XX/XXXX : The account was updated to reflect the account was closed XXXX ( which again re-aged the account ) with a balance of {$12000.00}. NOTE : The ratings chart associated with the account on the same date contradicts that information by showing that that the account was charged of XX/XX/XXXX. ( Exhibit F ) 7. XX/XX/XXXX : Status continues to report closed as of XXXX, XXXX. ( Exhibit G ) After receiving the response to my most recent request from Trans Union in XX/XX/XXXX, on XX/XX/XXXX I called Trans Union to discuss this matter and spoke with their representative named XXXX XXXX. I pointed out examples of the unverified, inaccurate and, inconsistent information being reported. XXXX XXXX acknowledged that the information was at the very least contradictory and inconsistent. The only resolution that he was able to offer me was to file a dispute AGAIN. I explained that I have filed multiple disputes to no avail.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (PA)

This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (ME)

In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX  is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Ive sent TransUnion 1 letter and 1 fax asking to have an incorrect public record '' bankruptcy '' be removed from my report. i have supplied them everything to show that this account is NOT MINE! i have never even lived in XXXX, WA where supposed bankruptcy addresss was filed. i dont know how this inaccurate info came to be on my report i just seek to have this fixed. it transunion would like i can send them over evidence XXXX an XXXX  have quickly corrected this mistake.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Captial One Bank USA, placed a credit inquiry on my credit report. The inquiry was made on XX/XX/XXXX. I have informed Captial One Bank USA that I have not applied for any type of credit from Captial One Bank USA. I have written several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining that I have never applied for anything with their company, to date, I have not received any response to my letters. I also called several times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Each time I called, they took my personal information and stated that they have put in a request to have this inquiry removed from all 3 credit bureaus, as they did not have a record of an inquiry from me. They also stated that I should wait 7 day and the inquiry will be removed for all 3 credit bureaus. They also stated that I will also receive a letter that this inquiry will be removed from my credit report. I have yet to see this inquiry removed or received a letter stating that is will be removed as they agreed that it would.
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (WA)

Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.

I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, Equifax stated in writing that you verified that this item Acct XXXX XXXX XXXX XXXX is being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my sis card, state ID and the name and acct nbr several times with Equifax continuing to break the very federal law that was implemented by Congress for this very predatory business practice!
Consumer complaint received 2018-03-25
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. (WI)

While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX  2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXXXX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NV)

The number listed along with many others repeatedly call all throughout the day. They never leave messages. I try blocking the numbers but they constantly change. Finally today XX/XX/2018 I called back and said you have the wrong number. I worked swing so I be asleep till about XXXX so having them call right at XXXX XXXX then XXXX and XXXX got annoying and it happened for weeks.
Consumer complaint received 2018-03-25
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. (TN)

This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from Experian and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports Experian now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXXwhich showed charge off again and then ok again until charge off XX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX  and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX show worst delinquency as 90 days which is not reported at this time and Experian shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX  and XXXX it shows {$7700.00} and Experian nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called portfolio recovery and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXXto prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.
Consumer complaint received 2018-04-27
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. (MD)

For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute. 

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.
Consumer complaint received 2018-03-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (IA)

I had been working on XXXX through XXXX University. In the summer of XXXX I stopped my courses to take a break from classes and because I worked full time. My original lender had been XXXX XXXX, then it was XXXX. I was notified by letters several times in XXXX that my loans were passed due. I did defer my loans in XXXX of XXXX because I was intending to complete my XXXX. XXXX turned the loans over to there collection company in XXXX even though I had deferred them. Having a difficult time with forbarance and deferment.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I made a 1 time payment around {$510.00} to Citi Mortgage using the Citi Mobile application for XXXX. The mobile application allowed me to transfer money from my Citibank checking account to my Citi Mortgage account instantaneously. 

On or around XX/XX/XXXX, I checked my available balance using the Citi Mobile application, and noticed that my available amount was much more than I thought it would be. I then looked at my recent transactions and noticed that my Citi Mortgage transfer payment was not listed. To avoid making a duplicate payment and or to confirm what the mobile application was showing, I called the Citi Mortgage payment department. The Citi Mortgage representative explained to me that the Citi Mortgage payment was also not showing on his end, so I went back on the application and repaid.I contact Citi Mortgage to explain what occurred, however they explained to me because the payment only reflected the payment on the second attempt that my payment will appear as late on my credit report. 

I tried contacting other departments such as Citi Executive Unit, Citi mobile application department, who both were able to retrieve the information of when I logged on to the Citi Mobile application on the date of my first payment attempt on XX/XX/XXXX. Even with these details, Citi Mortgage have refused to remove the late payment credit reporting due to the mobile application glitch.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

Coinbase has a service called the " XXXX '' where you can store money in with additional safety. Due to a Coinbase bug, my funds have been frozen for 95 days and counting.

I had an older account on Coinbase which had an alternate email id. After deleting this account, Coinbase used that id as a secondary email id. I had never given permission for Coinbase to do this. This occured due to their bug/defect/issue. 

when i deleted my account it looks like the secondary email has got deleted too. 

In order to withdraw funds from the " XXXX '', i need to receive confirmation on both Primary and Secondary email addresses. Due to their issue, this is impossible and my money is frozen. 

I have reached out to them on XX/XX/XXXX ( 96 days ago- case # # XXXX ). and i was told i will be assigned a " Specialist '' to help me withdraw the frozen assets ( mail by XXXX ). 

The concern was raised several times again XX/XX/XXXX : 91 days ago XX/XX/XXXX : 55 days ago ( they also opened another ticket # XXXX ) XX/XX/XXXX : 39 days ago I need help to get this rectified. Several people on different forums have reported this and have got this resolved even before me.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (PA)

Collection services of Athens has faailed to live up to section 809 of the FDCPA. 
I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.