davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

What is this complaint about? 
I am complaining about XXXX XXXX who is a collection agency who claims they are collecting on behalf of XXXX XXXX. 
I have sent a certified letter to them on XXXX17 and I have also made attempts calling them and disputing the amount over the phone however I have not received a response other than them sending me a copy of a loan agreement with some payments. 
I specifically in this certified letter asked them to provide me with credentials to prove to me they had the right and a legitimate contract to collect on a debt for XXXX XXXX showing the amount. I have not heard back from XXXX XXXX. 

I am asking that they stop reporting this negative information on my credit immediately and to send proper documentation that states they have a contract to collect on the behalf of XXXX XXXX. I would also like to see a contract to validate with XXXX XXXX the amount which they are stating I owe. 

Showing me a previous loan document does not validate the account nor does it mean I owe XXXX XXXX the money they are attempting to collect. 

They have not followed the FCRA laws in not responding to my request therefore I 'm asking for them to immediately remove the reporting which is reflecting negatively on my credit report.
Consumer complaint received 2017-11-10
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: ENCORE CAPITAL GROUP INC. (TX)

Account was paid and full company agree to delete negative account off my report over 6 years ago. the company lied and am still dealing with issues on my credit due to account after i paid my money to pay off the debt.
Consumer complaint received 2016-09-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I flied and could n't add the whole complaint. I sent the middle part. Here 's the first and end part ; XXXX. ( first part ) Help! I am a XXXX Veteran, almost XXXX years old and have been unemployed for several years. Past history ; I open a case with CFPB last year through XXXX XXXX XXXX XXXX in XXXX Florida. My complaint number i : # XXXX. I contacted Brain XXXX XXXX, CEO of Bank of America on XX/XX/XXXX ; XXXXXXXXXXXX and he appointed XXXX XXXX, Customer Relationship Manager Office of the Chairman and CEO on XX/XX/XXXX and phone number ; XXXX. XXXX send me a letter and said she would be my dedicated single point of contact throughout this process ( To reduce my house payment by combining my XXXX lines of credit into the original line of credit ) XXXX told me my house payment would be {$460.00} starting XX/XX/XXXX and on the XXXX of each month. I received my XX/XX/XXXX statement and the payment was {$1300.00}. XXXX said there was an error in the computer and it would be fix in several weeks. After many months, the XXXX XXXX XXXX XXXX file a mortgage compliant with CFPB and the problem was resolved and the payments was around {$210.00} to {$210.00} interest only per month until XX/XX/XXXX. The bank wanted me to default by not paying {$1300.00} for several months and then file for a foreclosure on my residential property that I have been living in for 32 years and never missed a payment. 
( end part ) I have attached ; Copy of the of the loan documents of Loan No : XXXX, Chapter XXXX Individual debtor 's statement of intention/surrendered rental property ( XXXX XXXX XXXX. XXXX. XXXX XXXX, FL, XXXX ), Discharge of debtor, Trustee 's quitclaim deed/ sold rental property, Bank Statements , old Account # and new Account #. 
Bank of America staff sit in their offices and being paid to seek out innocent victims and to harass, pressure, in still mental anguish and create night mares to old disable veterans, old non veteran unemployed or on fix incomes. They are above the Federal Law and can get away with anything. Bank of America, shame on you.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastern Revenue, Inc. (IA)

I was n't sure how to code this with the choices beforehand, so forgive me if I chose the incorrect options. I was contacted by Eastern Revenue alleging I owe about {$2800.00} for a Perkins Loan from XXXX University. I had consolidated loans a while back and thought this was put into that. The caller, XXXX, and his supervisor, I think his name was XXXX, INSIST they can consolidate this in for me but only if I give them my login information to studentloan.gov, where you can consolidate or defer, etc .... I refuse to hand over my personal access to my student loans online like that. I am capable of calling to verify if I indeed need to consolidate this one as well or make some arrangements if it indeed is owed. I told them I would handle it and I would not be handing over my personal access to my online student loan information. They both got snippy with me and said that it 's my problem if I want them to just collect more interest and they are the only ones that can help me. The supervisor was very condescending and near threatening that I 'll just pay more money to him because I wo n't allow them the access. I called the student loan servicer and they agreed to NEVER hand over the personal access, which I knew and had not done. They also advised to tell them to not call me and said all my loans are consolidated as far as they can see. I left a message with XXXX to NEVER call me or anyone about me again ; I would handle verifying my info and making any necessary arrangements if needed. I am reporting them because they called me at numerous places, including my job, and did not verify who they spoke to when I answered at my job. They also insisted that I MUST allow them to have a code sent to me and hand over the code allowing them to unlock my online student loan information. They are unethical and scammy. I felt very uncomfortable. As of now, I have told them to never call me again or about me again. Today is XX/XX/XXXX 2017.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (AR)

LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

I bought virtual currency also known as crypto currency through and American based company named COINBASE located in XXXX XXXX, Ca. The Currency I bought was Ethereum and in order to purchase through COINBASE I linked my COINBASE account to my checking account to electronically fund my COINBASE account. I purchased XXXX Ethereum worth roughly {$5000.00} COINBASE will now not let me sell the Ethereum crypto currency and return it 's value to my checking account in US dollars. 

I called 3 times to their " help '' line and spent over 3 hours talking, begging them to simply sell my crypto currency, Ethereum, and return it to my checking account. They would not do it, nor would they transfer me to anyone who would help me. They said someone would contact me and this has not happened. 

I believe they have stolen my money.
Consumer complaint received 2017-11-10
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. (PA)

Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Transunion FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC XXXX Identity Theft Victim 's Complaint and Affidavit. Under FCRA XXXX ( XXXX XXXX. XXXX ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC XXXX XXXX report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Transunion, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last XXXX digits : XXXX XXXX : XXXX/XXXX/XXXX cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-11-10
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: ID Analytics, Inc. (TX)

I was one of the 145 million Americans impacted by the XXXX  data breach. I did all the " right '' things by locking my credit with XXXX, XXXX and XXXX. Subsequently, my husband and I applied for an auto loan on XXXX XXXX. I unlocked our reports for 48 hours to allow for this transaction to proceed. It was approved and I relocked our credit reports. 

Yesterday, I received written notification that XXXX had obtained our credit reports from XXXX, and that report indicated my credit score was too low to qualify. This is utterly ridiculous as my credit scores with the major credit bureaus are impeccable. I had never even heard of XXXX and am extremely concerned that my stolen data may be used through credit bureaus I do n't even know about!!! I find this highly unethical and worrisome that unknown companies are being given access to my credit history, particularly in light of the incompetence of the known companies. 

When I went to the XXXX website, I found that they expect me to mail copies of vital documents to them in order to even see the report they have compiled on me. I am not at all comfortable providing these documents to a company I 've never heard of before. I faithfully get my annual credit reports through XXXX, which is authorized by federal law, but have never been informed that there are additional companies I should be monitoring.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NV)

Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.