davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXXt ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
Consumer complaint received 2018-01-23
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: CITIZENS FINANCIAL GROUP, INC. (AZ)

On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
Consumer complaint received 2018-01-23
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 (AZ)

On my credit report TD AUTO FIN is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (RI)

I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

I sent a goodwill request. The request outlined the details on my current loan status. I have completely paid off one of the loans and the trade line is still in my report. 

The other loan I have 4 remaining payments on the settlement given to me. Which I plan to pay off. 

I have yet to get a resolution. 


The company has gotten their money the loans are 10 years old. I do n't see the continued need for the ( Charge off paid in settlement ) status to remain on my report.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good day! 
I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

Chase has made several hard inquires on both my XXXX, XXXX XXXX, and XXXX as well, without my authorization and without permissible purpose. I have reached out to Chase via certified mail requesting that they cease the unauthorized hard inquiries into my credit report. 

I also gave a formal demand that Chase immediately contact the credit reporting agencies and credit bureaus, where their Chase has made inquiries into my credit history, to have their illegal inquiries removed. 

The inquiries are in violation of Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Listed below are the inquiry dates both with XXXX and XXXX XXXX credit bureaus : CHASE CARD Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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 status incorrect
Company: EQUIFAX, INC. (NJ)

Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (PA)

XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OK)

I Initiated a wire transfer with XXXX through the owner of the site, Coinbase INC on XX/XX/XXXX. The wire transfer was in the amount of {$2000.00}. XXXX promised the money would be available same day as showin in the screen shot attached. I have yet to receive the money in my XXXX USD Wallet where it was to be deposited. I submitted a case to their support department through XXXX  explaining the issue on XX/XX/XXXX. The case number is XXXX. I have yet to receive a reply. I got confirmation from the bank that same day the funds have been received by the receiving bank XXXX XXXX XXXX XXXX, NY which I believe also holds some responsibility and should be notified. I also sent an esclation ticket for the wire transfer at this site XXXX XXXX  XXXX either XX/XX/XXXX or XX/XX/XXXX and have yet to receive a reply. I have been very patient in waiting going on almost 2 weeks now for a wire transfer that was suppose to be done the same day. This has been plenty of time for any kind of delay or additional handling this process may have needed for whatever reason. I feel like my money has been stolen now.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

Paid this account in full and was told by operator would change status to paid as agreed and then would be removed from my report. However to this day it is still being reported as a debt and amount owed not reported so it looks like i still have a balance.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

3 Accounts what the? 

1st Account = XXXX XX/XX/XXXX Amount XXXX 2nd Account = XXXX XX/XX/XXXX Amount XXXX 3rd Account = XXXX XX/XX/XXXX Amount XXXX These are accounts that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am going thru a child custody dispute in the court system in XXXX XXXX MD. My sons Mother is a XXXX  XXXX at XXXX XXXX XXXX and She ran my credit through her Job without my permission Her name is XXXX XXXX. This happened on XXXX XXXX 2018. I found out thru my XXXX XXXX monitoring
Consumer complaint received 2018-01-23
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have been locked out of my Coinbase account since XX/XX/XXXX. The reason being Coinbase will not accept the codes ( XXXX ) my Authenticator app is generating. 

I 've tried verifying my ID with Coinbase since then, following instructions and all troubleshooting tips but my ID verification will not pass through their website. On the same day, I emailed customer support for help and asked if I can email documents, pictures and IDs to confirm my identity. I even asked them to change the XXXX to my cell phone number so that I can regain access to my account. 

No actions have been taken by the company except to provide troubleshooting tips and an email on XXXX XXXX to say they 're working on the matter. 

It has been 2 weeks since I 've lost access to my acccount. I 've tried reaching out for a follow up on the XXXX, XXXX, XXXX and the XXXX. All follow ups have been ignored.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I have received dozens of phone calls from McCarthy, Burgess & Wolff claiming that I owe XXXX XXXX a balance. I have repeatedly told them that I do not owe XXXX anything. They accuse me of not returning equipment. I have repeated told them that I have no equipment and that it was all hand delivered to my XXXX Account Manager. They told me without proof, I was liable for the charges. I have, on three different phone calls, conferenced the XXXX Account Manager into our conversation. The XXXX Account Manager has told McCarthy, Burgess & Wolff, each time that I do not owe the money but that it is credit approval issue at XXXX and the problem will get resolved by them. 
McCarthy, Burgess & Wolff has begun calling my daughters cell phone informing her that I am in collections. I want the phone calls stopped or I will begin my own legal pursuit seeking damages.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (VA)

XX/XX/XXXX I place a order for XXXX $ of Bitcoins - I submitted my bitcoins to be transferred to another account - When I finalized my submission " after the sent was already initialized '' Coinbase gave me a confirmation on the website saying the fees total for sending my bitcoins was more vaule of what I owned.. 

How the heck can coinbase even do a transaction like this? I can name numerous sites and their partners that will not allow this to happen.. XXXX even 3rd world parties exchanges based in fraud-ville XXXX has better consumer protection. 

Coinbase has NO CONSUMER PROTECTION WHAT SO EVER " Oh yeah.. btw I did get my transaction completed.. like XXXX cents negative. '' Coinbase partner " XXXX '' they will reject your transaction to send if the amount is above of what you own and will allow you to adjust it.. So how the XXXX can a small mom amd pops business made by college kids in their XXXX can developed some type of consumer protection while Coinbase can not even conceived this?! Is this a loop hole they are using to steal bitcoins? This is serious by far! How many Currency exchange " ANY WHERE THE WORLD '' will allow this to happen to a customer? probably none.. 

They need to cease all transaction till they can fix this and protect the consumer first instead of filling their wallets .... I bet you didnt know Coinbase has their own bitcoin miners.. LOL LOL wow.. man.. another XXXX exchange.. .. and this one is in the USA.. XXXX I get better services out my XXXX based exchange.. this is sad by FAR!!!
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (UT)

XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.
Consumer complaint received 2018-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I filed bankruptcy about 2 yrs ago or so and had a clean slate but not everything seemed to come off or appeared later that I have 0 clue what it is. There 's a XXXX XXXX card that wo n't remove itself even though it was included in my bankruptcy. 

I 've only applied for 3 things XX/XX/2017 XXXX XXXX XXXX.. my credit card XX/XX/2017 XXXX.. A car XX/XX/2017 XXXX XXXX XXXX A 2nd car myself.. 

All the other inquiries I was informed could be part of a glitch and before I filed bankruptcy and seemed to pop back on someone. Please remove all these inquiries.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (OH)

I filed a complaint with the CFPB on XXXX/XXXX/XXXX against XXXX, the complaint number is XXXX. XXXX closed the matter and stated that the client ( XXXX ) had recalled the debt, and stated that they would have the account removed from the top 3 credit reporting agencies. 

Today I received a letter from Diversified for the exact same XXXX account. The Diversified account number is XXXX. I will be responding to Diversified via USPS mail to make them aware of this complaint and how XXXX sold them debt that does not belong to me. 

This complaint is against XXXX and their debt collection practices, which are starting to become harassment. Is this how XXXX handles debt collection, by selling bad debt to third-party agencies? 

All of the information and documentation can be found in CFPB complaint number XXXX. I have attached the letter that was mailed to me from Diversified for reference.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.
Consumer complaint received 2018-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.