davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
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. (CA)

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, TRANSUNION, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

My husband and I were separated in XX/XX/XXXX for almost one year. During this time, he did not have an income untilXX/XX/XXXX. XXXX  XXXX  XXXX allowed an unemployment forebearance at {$420.00} per month. XX/XX/XXXX was a difficult month, so I called and asked if we could pay XXXX and XXXX together. The CSR stated " yes, that should be fine. '' We paid for both those months in XXXX. In XXXX, we started the modification process. We did not hear anything in XXXX. I started calling and they would ask for another piece of paper. I have so many applications and documents completed over and over again and faxed in. Each week, I would call and they would need a different piece of paper. It is almost as if they are trying for us to lose our home. There are several issues here ; I am on the deed and one CSR told me my husband had to authorize me to talk with them and another stated he didn't. Initially, we were not educated on the forebearance and how the mortgage accumulates and then it has to be cured if a modification hasn't been reached. I have called them every week. We just got turned down for a modification. We submitted an appeal on XX/XX/XXXX. I am sure we will get denied for that as well. I feel that the customer service agents are not trained well, do not have the same information and are extremely lax on helping customers. We can now resume a mortgage payment due to my income. Flagstar has not been transparent and has given us the run around. I am complaining to you and will be calling HUD and FHA with complaints as well.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Having noticed collection activity on my credit report from Portfolio Recovery Associates, I inquired as to the validity of said debt. 

While I received response from PRA in attempt to verify debt, it was indicated that the debt is relative to an account not on my credit report, as account open date for XXXX XXXX as provided by collection agency is not accurate, nor is account number. 

Further, date of last payment against above account was also not provided, to validate legal premise to attempt to collect said debt within status of state limitations in TX, that being 6 years. If said debt relates to account listed on credit report for XXXX XXXX, despite inaccuracies of account number and open date, the last payment against account noted on credit report ( not the one referenced ) neither reports a balance owed, but indicates last payment was XX/XX/2009, rendering this collection activity outside of state statutes.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CO)

I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XX/XX/XXXX or XX/XX/XXXX. The credit reports from Experian and XXXX indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, XXXX has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

Erc Bought an old debt from XXXX that was past the statue of limitations to collect then reported that it was opened new on XXXX of 2016 this debt is over 7.5 years it was sold to erc which has not verified debt and they are reporting a new open date with different amount owned sent a certified letter to this collection account to verifie debt and it was sent back they will not verifiy the correct date or amount and keep reporting it to credit bureas as an open account
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, TransUnion and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, XXXX and TransUnion have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, XXXX and TransUnion went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, TransUnion and XXXX do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Consumer complaint received 2018-02-22
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: I.C. System, Inc. (TX)

I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hexagon Collection Services, LLC (CA)

hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit
Consumer complaint received 2018-01-29
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: EQUIFAX, INC. (NV)

On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.
Consumer complaint received 2017-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

After paying off a past debt directly to  XXXX   XXXX   XXXX , I received multiple letters from Convergent date d    XXXX - XXXX -2017.      The first letter is a standard attempt to collect debt, dated ,  XXXX - XXXX -2017, this letter was received on  XXXX - XXXX -2017  and was the first instance.   The next day, I received letter from the same company dated the SAME day,  X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU  may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day.     As of  XXXX   XXXX ,  2017, my  credit monitoring has indicated that this company has placed this debt to all  XXXX  credit bureau 's even though  XXXX   XXXX  confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a  XXXX  point drop in my credit rating which has caused severe financial detriment to a pending financial matter.     We have talked with  XXXX  at  XXXX   XXXX   XXXXXXXXXX  on   XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt.     Please note this debt was  PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately.     PROOF of SATISFACTION : PURCHASE AUTHORIZED -  XXXX   XXXX   XXXX   XXXX  FL  XXXX  CARD  XXXX   XXXX   XXXX   XXXX  can be reached directly at,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

Barclay 's Card Knowingly Allowed Scam Artist Merchant, XXXX to Forge My Signature for {$250.00} purchase using their credit card. I did not sign Acceptance of Services Agreement form. XXXX Agent XXXX XXXX hacked my computer to obtain fabricated GA Driver 's license information and attempted to hold/lock my computer for ransom. 

No purchases were made with merchant XXXX. I provided proof of forgery to Barclay 's but they ignored me and forced me to pay for fraudulent charges by XXXX. 

Originally, Barclay 's Fraud Department agent said that they had mailed me {$250.00} refund but refund check never arrived. Then they deleted records from logs with reference to promised {$250.00} refund in mail. 

Now, they completely ignore me.
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

I did not know of this collection. This account happened in middle of  XXXX , It 's  XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the  XXXX  would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ.   Stalking at the law, ID THEFT to collect individuals address, Business address, government websites,  XXXX  &  XXXX ,  Secretary of State business  entities. Abuse of power.     My fico score is damaged, denied credit, loans, etc.     They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused!      SOUTHWEST CREDIT SYSTEM   XXXX   XXXX   XXXX   XXXX ,  XXXX  {$140.00} {$140.00}  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2018-01-29
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. (NV)

On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is calling me non stop every day. Ive sent two siest and desists orders to them asking them to stop because I work 3rd and sleep in the day. Below are the number of calls this week. They have been calling me harassing me for months now. Even with two siest and desists notifications as well. 

XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lowcountry Credit Inc. (SC)

Low country credit sold me a lemon car, I could not. Afford to repair car, transmission cost XXXX To repair, I returned car, on my credit report is reporting that I still have vehicle, every month is saying payment past due, late payment
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I am a XXXX-year old auto accident victim, residing in an olds folks home in New Jersey. On XX/XX/XXXX, Nelnet granted me TPD for my loan and since then I have been unemployed. I am living on Social Security Retirement pay  of $ XXXX monthly which pays my rent and bills. Neltnet reinstated my Loan and wants me to pay the discharged Loan with my retirement income. On XX/XX/XXXX I faxed the complaint along with the necessary evidence required to support my grievances.. If the fax is not received, please contact me to resend it immediately. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.
Consumer complaint received 2018-01-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I Have wire transferred a sum of {$30000.00} USD to Coinbase via the wire instructions listed to purchase additional vitrual currencies. I have used them in the past but this was the first time sending a larger sum of money. My funds have not appeared for since XXXX XXXX 2018, which was the date of the transfer. My bank has confirmed the funds were indeed sent, the deposit bank acknowledged the funds have been recieved but it is up to Coinbase to settle the issue. Ive submitted a request a few days after with no response excpet that they will review. It has been a full week with no contact from coinbase.com or any resolution.