davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (IL)

I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********
Consumer complaint received 2018-01-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intercoastal Mortgage LLC (VA)

On XX/XX/XXXX I was mislead in an email from XXXX XXXX of Intercoastal Mortgage stating that they did not sell loans to XXXX or any of its affiliates.  I explain to XXXX XXXX my desire to terminate the loan application if they did.  He replied back in email that they did not sell to XXXX or anyone affiliated.   We closed on XX/XX/XXXX and I XXXX on XX/XX/XXXX and returned on the XX/XX/XXXX to  find out that   while XXXX to XXXX XXXX Intercoastal Mortgage sold my loan to XXXX XXXX aka XXXX.  Remedy:  I want my loan bought back from XXXX and sold to a company that is reputable, long standing and that doesn't sell it loans.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (CA)

On or about XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX informing me that I, personally, owed approximately {$15000.00} to a company named XXXX XXXX XXXX, also located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

I have known this company, and the the owners for many years. Various companies that I have worked for did do business with them. One such business, XXXX XXXX XXXX, did do business with them in XXXX, and those transactions resulted in the $ 15,000+ dispute. XXXX XXXX XXXX believes that XXXX XXXX owes them a considerable sum of money, and perhaps XXXX XXXX feels it is the other way around. 

However, I am not, and have not been, an owner, or an employee, of XXXX XXXX XXXX. I had nothing to do with the business dealings or transactions that created this dispute. Notwithstanding that fact, XXXX XXXX engaged the business next door to them - National Commercial Services ( NCS ) - to begin collection proceedings against me, personally. This was, and is, an obvious attempt at harassment. XXXX XXXX and NCS clearly believes that by subjecting me to this campaign of harassment, I might pay the debt they allege is owed, or at least lobby XXXX XXXX XXXX to pay the debt. 

On XXXX XXXX, XXXX I dispatched a letter to XXXX XXXX XXXX of National Commercial Services, informing him in no uncertain terms that I was not, and am not, a party to the debt, and their attempts to collect this debt from me is improper and exposes them to liability. 

Still, NCS continued it harassing collection attempts with additional demand letters. On XXXX XXXX, XXXX I learned that NCS placed an {$18000.00} collection debt on my XXXX credit report. I assume NCS has done likewise with other credit reporting agencies. 

This egregious and inappropriate action has obviously caused me severe troubles, as I have been attempting to rent a home and apply for other types of consumer credit. 

These tactics to extract money from myself, a person who is not, and never was a party to the underlying transactions is a flagrant abuse of the Fair debt Collection Practices Act ( FDCPA ). I respectfully ask that the CFPB take appropriate action against National Commercial Services of XXXX XXXX, California, and that they be ordered to remove their collection debt against me from any and all credit agencies.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (OH)

XX/XX/XXXX I payed off my loan through lending point for XXXX XXXX The money cleared on XX/XX/XXXX. Account closed XX/XX/XXXX. Today XX/XX/XXXX XXXX XXXX took out an unauthorized payment for another XXXX XXXX After speaking with them they stated they dont know why this happened and XXXX have to wait at least a week XXXX to get money back.
Consumer complaint received 2018-01-09
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. (IL)

I am a victim of consumer fraud and identity theft. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Equifax and XXXX has already placed the security freeze and int the process of complying of my requests. Transunion and XXXX are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Transunion and XXXX will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/XXXX
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MO)

I sent the letter below to the creditor over a month ago with and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX/XXXX/XXXX To : CHASE CARD XXXX. XXXX XXXX XXXX, DE XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

CHASE CARD, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for CHASE CARD to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate, and original copy of documentation with my wet ink signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX Executor of the Estate
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

I am writing this complaint because upon review of all XXXX of my consumer reports with all XXXX major CRAs, I noticed a debt collection company by the name of Credit Collection Services who posted XXXX of their tradelines on my credit reports in connection to XXXX alleged debts. I refused to pay the alleged debt with this collection agency months ago because they failed to properly validate the alleged debts. The company still attempted to communicate with me even after the cease and desist I demanded of the company per the FDCPA XXXX ( c ). They are in violation of the Fair Debt Collection Practices Act. They are reporting their alleged tradeline to my consumer reports which is also considered an attempt to collect and considered an indirect medium of communication after they were to cease and after they received a refusal to pay. Initially I did not receive enough information regarding the alleged debts nor were they able to provide any legal proof such as my signature, bill of sale, chain of assignment, or license to collect in my state. I have no legal obligation to this corporate entity. They have also been misreporting to my consumer reports and ruining my credit reputation due to the inaccurate credit reporting.
Consumer complaint received 2018-01-09
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. (CA)

A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
Both were discharged thru Chapter XXXX Bankruptcy. Both lien holder failed to file a proof of claim during the Bankruptcy Court hearing. 
Therefore these liens were both discharged.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accounts Management, Inc (SD)

Debt collection company tried only 2 times in 6 months to send a letter telling me a medical debt from a hospital was with them. I had moved. I was not getting these notices. They said they tried calling me, they had an old number. I received in the mail at my new address a potential judgement from the clerk of courts. I called the debt collection company that of them I had no idea this was going on and I could pay {$500.00} a month til the {$2500.00} balance was gone. Of course it had gone to far. So I faxed the clerk of courts and stated what I just stated. I denied the claim because they only tried twice in 6 months to contact me and that I could and would work out a payment plan with them. Still the judgment came through today. Is this legal?!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

According to law 15 USC 6802b and ( c ) - the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

18 USC 1028A - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Toyota Financial Services never sent me a notice or chance to opt out to have my information shared with non affiliated third parties. Neither did they provide a written letter with my original signature to have them share my information with non affiliated third parties. All that was sent from them in their response was a document that I never received that stated they would share my account with non affiliated third parties. 


I would like for this information to be corrected or I will exercise my rights against Toyota Financial services for each consumer law that they are breaking.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

I was pressured to sign up for a credit card and somehow they convinced me how I can enjoy the benefits and privileges of the card while being the XXXX member. My credit card arrived which I've used for a month, and I went out to treat my friends for the holidays. This is how I found out my account was CLOSED without my consent or any type of notifications when they told me the initiated transaction was declined and had to call the customer service line. I couldn't understand why because I have already made the required payments on time and my balance was XXXX. They told me a letter I'm about to receive will have a thorough explanation but the only explanation that was listed was " excessive inquiries. '' I understand I've applied for a few credit cards with the rewards/points program and it could affect my credit score but can't justify the situation where I've been a very good account holder and being treated in such a horrible way. Not only I wasted my time and energy to deal with the problem, nobody wants to take accountability of one of the most negative life experiences I had to go through not to mention the embarrassment and humiliation I had to face in front of my loved ones. I already spoke with a few of the employees at the company including XXXX and XXXX the supervisor, and nobody offered me a reasonable resolution. I feel the explanation offered to me was not a sufficient reason to cancel my credit card especially while I was in good standing customer.
Consumer complaint received 2018-04-03
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. (LA)

On XX/XX/XXXX I initially sent a written request to Transunion letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX   4.XXXX XXXX DBA XXXX XXXX XXXX I never received a response. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and  its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 
I never received a response yet again. On XX/XX/XXXX, I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. I have yet to receive a response. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

i opened an account with coinbase.com in XX/XX/XXXX 2017 in order to invest in bitcoin . I initially deposited $XXXX to my new coinbase account & invested in bitcoin. After a few weeks, having made about $XXXX,  I sold the bitcoin & transferred the money to the coinbase wallet & also left a few dollars in bitcoin, etherium, litecoin, etc. I tried to WITHDRAW U.S. DOLLARS shortly thereafter from my Wallet balance of about $XXXX to my XXXX account & was told I needed to "verify my identity" by uploading a front & back photo of my california driver's license. I did this once, twice...and now five or six times, & it keeps telling me the verification "failed." Other ways to withdraw will not work either. The banks they work with do NOT include my credit union, etc. And they will NOT tell my why my verification failed; what I can or should do to rectify , etc. PLEASE HELP !
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I can't log in to the website, It tells me that the username or password is incorrect. I have verified the username and password are correct. 
When I select forgot password it tells me to enter my username and click continue. 
Then I go to a let 's verify it's you window. I enter my phone number and select text message and click send code. 
Then I get a " This number doesn't match our records '' error. 
When I select forgot username and enter my date of birth and social security number I get a " Sorry, but that didn't match up '' error. 
I have been trying to reach a live person to help since Friday morning. That seems to be impossible. I tried four different phone numbers. 
Do they have bad information on me, has my identity been stolen, or is their customer service just broken? 
I can't contact a live person by phone to find out.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

My complaint concerns Experian 's phone automation system that prevents consumers desperately needing to contact a live agent, as well as its failure to provide a fax number that isn't constantly busy during normal hours.

My Experian account was hacked into such that someone changed the email contact. That much was obvious because when I tried to reset the password, the website said Experian sent an email to an address that doesn't belong to me. However, I couldn't reach a live agent to talk to as the automatic routing Experian has on its phone makes it impossible to talk to a live agent. I called the corporate office, which is not listed, but I had to become resourceful given how much stress the hac
k was causing me, and I was finally able to reach someone. It turned out the hacker also listed a contact number that doesn't belong to me. I was therefore told that Experian would have to delete the account, which sounded right to me. To delete the account, I was told to send sensitive information by fax or to a po box . I chose to send the information by fax and the number was busy every time I tried it. I therefore tried calling a number that I was assured would go directly to an agent ( a number I obtained when I was able to reach someone about the hack to be able to communicate ), and that didn't lead to a live agent. The phone system once again tried to route me in different ways not leading to a live agent. I once again called the corporate office, and this time, a very annoyed representative routed me to a number, which surprisingly did lead to a live agent after some amount of waiting. The agent told me that Experian doesn't have another fax number, and that the number is busy because so many people need to send in verification documents. The agent also told me that she couldn't find a non- po box to which I could send a XXXX, which is what I wanted to do to protect the sensitive nature of the document.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America contact me and stated there was a possible fraud charges within my account, they asked me if I opened two claims on XXXX XX/XX/XXXX I said no..later that day they informed me that they decided to close my account and will contact me with further information and that at the time I was unable to receive my funds in the account. They trn revered all of my payments returning them as insufficient funds and charging me for that although the money was in the account. They stated they will return my funds via cashiers check on XX/XX/XXXX, th. They then sent me a letter XX/XX/XXXX th stating that they will no longer accept my direct deposit, and they did and now I can't get those funds. After they sent me a letter stating that the claim that I told them I did not make was in review and the merchant has 45 days to respond to the claim. On Tuesday XX/XX/XXXX I contacted the claim center and they closed both claims one of, {$990.00} and the other for {$2000.00}. I owe them nothing, I was a victim of the fraud. This is running my credit, my bills have not been paid because they are holding my paycheck waiting for the XXXX day to return it back to my job. What they claimed that was being done in my account, they are the one who appears to be doing a crime. They stated on XX/XX/XXXX that they will see if they can have me get my funds sooner, but I don't think it includes my newest direct deposit. They have no legit reason on why they have held my funds for so long. No one ever told me the claims were still opened. I need my funds immediately, I have incured late fees from creditors as well as BOA although they have my .money i don't know the amount that they owe me due to me no longer having access to that account. Please help me. Thank you