davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
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 — Problem with personal statement of dispute
Company: Eastern Account Systems of Connecticut, Inc. (DE)

There is a {$590.00} collection account from XX/XX/XXXX on my XXXX credit report. I have disputed this multiple times, and it still remains. Eastern account system is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XX/XX/XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called XXXX and a new dispute was opened since I discovered the class action settlement. Per the results, Eastern Account System validated the collection amount and stated it will NOT come off my credit report. 
I have contacted Eastern Account System 2 weeks ago, and they stated there is nothing they can do.

I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current XXXX credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX  regarding the class action settlement.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-29
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: SYNCHRONY FINANCIAL (NJ)

Signed up for the XXXX XXXX credit card offered by XXXX XXXX on XX/XX/XXXX, with an advertised sign up bonus of XXXX points after {$3000.00} in spend. Spend requirements were completed on XX/XX/XXXX, but XXXX/Synchrony have only posted a XXXX point bonus. This is a standard bait and switch
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and Transunion. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Consumer complaint received 2018-03-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Relin, Goldstein & Crane, LLP (FL)

I received an initial written letter via mail regarding a debt I owe from Relin, Goldstein, and Crane dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXX of each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
Consumer complaint received 2018-03-11
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. (MO)

Experian continues to report and retain incorrect, non-compliant data. 

My latest credit report, dated XX/XX/XXXX, indicates : Residences deleted - all three addresses, including an address in another state in which I've never lived is still reporting on my XX/XX/XXXX report. What residence was deleted? Apparently none. This is erroneous reporting! The only address they are required by law to report is my current address which proof has been sent. The other two addresses are not mine, especially the New York address they continue reporting. 

The alleged XXXX XXXX account has many compliance issues. Per FCRA and Metro 2 must be deleted if not compliant. Experian " verified '' erroneous data. High balance and credit limit are different. Alleged chargeoff can not have balance yet they're reporting one as of XX/XX/XXXX but have 5 charge offs beginning XX/XX/XXXX. They're reporting two consecutive months of " 30 days late '' but there are only 30 days in a month. 

Alleged XXXX XXXX - I do not have XXXX! 

XXXX XXXX XXXX is an absolute joke. They keep sending me " proof '' with statements bearing a New York address. I don't, nor EVER have, lived in New York! I WILL NOT send them my ID, SS card nor identifying info as requested. 

Alleged XXXX account has a high balance greater than credit limit. If OK XX/XX/XXXX how can report 90 days late in XX/XX/XXXX. A month consists of 30 ( 31 days ), how can 3 consecutive months be 60 days late? They are reporting 3 non consecutive charged off months. Impossible! 

Alleged XXXX XXXX account reporting 2 consecutive months 60 days late and 4 consecutive months of 90 days late. Impossible! 

Alleged XXXX account has high balance greater than balance, 4 consecutive months 60 days late and 2 charged off months. IMPOSSIBLE. 

Alleged XXXX XXXX account has 10 months of no data then boom a charge off. Really? 

Alleged XXXX high balance greater than credit limit. Charged off 11 times. Can they not make their mind up?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a debt.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (IL)

OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I had a XXXX account and cancelled it because I have a identity problem that I am closing accounts that I don't need. I started cancelling accounts and XXXX wants to charge a convenience fee. This a unfair charged that I don't agree with all the fraud happening today I don't there service nor want it. I am retired and will now will do my shopping at the XXXX, XXXX. Thank you for your time in this matter.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XX/XX/2018, a company has sent me XXXX Ethereum XXXX XXXX token to my ethereum wallet on coinbase. There were no warnings at all that this transaction could not be undertaken on the account page of the website and the only little caveat was on a support page where by definition people only go if they need support. 

Despite advertising the wallet as owned by user, Coinbase doesn't now allow me to access or move the funds which have peaked at a value of $ XXXX since then. 

Appreciating that coinbase isn't willing to give users private keys necessary to move funds I have therefore asked on the same date XX/XX/2018 to just return the ether with tokens back to the sender. 

After multiple calls to the call centre where support team confirmed the issue would be resolved by a special team, on the XX/XX/XXXX ( over two months later ) coinbase replied saying that it was technically doable but complex so money would not be returned which doesn't seem a very professional answer from a regulated company. 

I have called the support team and I was now told that there is a disclaimer on the account page to warn people against using it for tokens. While I appreciate coinbase is trying to fix this issue going forward this wasn't displayed at the time of transaction ( I have a screenshot available if required ). 
Interestingly I was unable to escalate the complaint internally and I was refused any advice on how to complain further with external regulator. 

As coinbase today still stores my asset whitin its wallets, not returning this to me it's a fraudlent activity classified as wrongfully retained credit.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rodenburg LLP (ND)

This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
Consumer complaint received 2018-03-11
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. (GA)

Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Consumer complaint received 2018-03-11
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: Experian Information Solutions Inc. (FL)

My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our Experian credit reports include the following new inquiry : XXXX XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " XXXX  '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with Experian, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX   credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone XXXX at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

fraudulant address are being reporting on my current credit report, i have called XXXX  so many times and raised my concern and they will not listen to me at all!... i am extremly desperate to remove these fraudulant address off from my credit report! 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX this address needs to be removed as soon as possible
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.