davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (MD)

This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. 

Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. 

This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hello I XXXX XXXX XXXX transferred virtual currency ethereum ( {$2000.00} worth ) into Coinbase wallet on the XX/XX/XXXX in order to sell for US fiat dollars and was told that I owe an amount of {$390.00}. I then proceeded to try to pay for the fee with my virtual currency which I was told I was able to do, and was not able to via the website and/or mobile app. Contacted Coinbase and was told that they will put in a support ticket which this is my reference number # XXXX. I was told by the employee at Coinbase that they would contact me via email by the end of the night, if not the following morning but no longer than 48 hours. We are now on the 5th day. I've contacted them two other times from the last 2 days from the date of today on XX/XX/XXXX with no help. I just want to pay what I owe which I have the amount available to pay in the Coinbase account that way I can complete my transaction.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Accounts Service Team Inc. (TN)

I received a phone call on XX/XX/2018 by a woman named XXXX at my place of employment. I asked her to not call me at work as I am not allowed to have personal calls. I provided her with my cell phone number and told her to call there. 

On XX/XX/2018 today around XXXX she called my cell phone with company Financial Account Services in XXXX from telephone number XXXX and then called my place of employment again. I immediately informed her that I had already told her not to call my place of employment and that I gave her my cell phone number. She then stated, " but you never answer or call me back. '' I then replied, that is what voice mail is for. Again she reiterated that I dont return her calls. She then says, okay well I will be sending this file up for other more severe actions and ended the call. 

About 15 minutes later I called the company back to make a formal complaint. A woman answered and did not give me her name. I stated that I wanted to make a formal complaint about an employee calling me at work. 

She transferred me to an older man. I told them what had happened and he did not in the least seem to care. I told him that they were more than welcome to call my cell phone and he interrupted me and started, " oh we wont be doing that any longer, now we are getting an affadavit and the next time we contact you will be through a summons to court. '' I then told the man that I had not received anything that his company had been sending and he became very sarcastic and said that is surprising considering that we mailed out a letter in XXXX. I replied that he will need to verify that this is indeed my debt because I didnt know what debt he was referring to. He stated that his company does not have to verify anything with me. 

At that point I told him that i would be seeking legal counsel. At this point this company seems shoddy in its business practices. I understand they have a job but they caused me distress at my place of employment by calling there when I had already asked them not to, the man refused to acknowledge any part on the verification and legitimacy of the debt, and threatened me when I advised that he could call my cell phone.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

XXXX XXXX XXXX ... 

I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... 

Received treatment on XX/XX/2017 and paid {$220.00}. 

I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. 

Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. 

Then I started to receive bills for {$150.00}. 

Now, they have submitted 5his information to a collection company called Amcol. 

This information is now showing on my credit report. 

Help?
Consumer complaint received 2018-09-20
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: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.
Consumer complaint received 2018-09-20
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 (CA)

On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I placed an order at Kohls.com, the order got cancelled and when i called to find out why they said there was a fraud alert ( I had never had this before, nor did they call or email me about this ). They said they phone number on my account couldn't receive texts and would not allow me to use a different number as they claimed they could not verify the number. They would not explain why they couldn't verify it and just locked my account saying i need to go to a store with 2 forms of ID. I do not have time to do that, and i have 2 cell phones with 4 available numbers as well as an email on the account that they can use.

I have had fraud alerts with other banks and a simple phone call or click of an email link will correct it. i have never had to go to a bank. This is unacceptable.

I spoke with XXXX, employee number XXXX
Consumer complaint received 2018-09-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

XXXX XXXX is acting as a loan officer and Realtor without a license. We were referred to him by friend and found out that he is not licensed. When discussing loan options and XXXX taking our application he became very upset that we questioned his role in our loan. He is provided us with a license number of someone with the same name who may be his father. I am very upset at the lack of integrity.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

EQUIFAX, your company claim to not have processed my dispute due to missing social security card. I've sent my social security card multiple times to EQUIFAX via mail. I will continue to provide what's needed in order for EQUIFAX to comply with the written instructions in my dispute. I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 XXXX XXXX Also remove all incorrect derivatives of my name from my credit report and only update my report with XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX  XXXX of 12 month history along with the tradeline of {$600.00}. XXXX XXXXXXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXX for XXXX and Experian. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXXl XXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX  XXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and Experian. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and Experian have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and Experian resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXXXXXX XXXX credit monitoring service as well as the Experian report. I have an old account and another active account with XXXX XXXX old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX  XXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.
Consumer complaint received 2018-09-19
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. (NY)

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX XXXXXXXX of 12 month history along with the tradeline of {$600.00}. XXXX  XXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXXXXXX for transunion and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXX XXXXXXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX XXXXXXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not transunion and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs transunion and XXXX   have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on transunion and XXXX resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX credit monitoring service as well as the XXXX report. I have an old account and another active account with XXXX XXXX  old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX XXXXXXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.
Consumer complaint received 2018-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX  XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court. 

While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.