davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Torriere Holdings INC (GA)

XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for SRS is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website XXXX XXXX Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You may also contact our office at XXXX or chat with us on our website. 

View your secure message in two ways From the Spire Recovery Solutions Mobile app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.
Consumer complaint received 2018-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient has not been forthcoming with the best repayment plan options for myself and my consolidation options when I have reached out to them via chat or via telephone several times since I went into repayment in XXXX. Navient has mislead me into >5 years of making higher monthly payments and having higher interest on my loans by their misguidance of my repayment options and withholding information about possibility of federal consolidation. Per current lawsuits Navient is facing, these actions seems to have been intentional misguidance by Navient per upper management to their face to face client support. Navient never once discussed with me that federal loan consolidation may be the best option for my repayment plan. I did not know this was an option until I met with a student loan agent XX/XX/XXXX. Further, I am also skeptical at how they are calculating my monthly payment amount as it is significantly different in percentage of AGI above the poverty line from my wife 's monthly payment of federal loans which is serviced by XXXX. ( Both my wife and myself are on PAYE program and file taxes 'married filed jointly ' ). I will have to do further independent research to verify how they are possibly miscalculating my monthly payment. It appears Navient has had a corporate structure to misguide students on repayment options that are in the best financial interests of Navient and not of the students and thus breaching their obligations for which the US Government contracted with them.
Consumer complaint received 2023-05-03
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)

This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2018-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

I am writing this email in regard to the coinbase class action lawsuit pertaining to the miserably failed launch of the BCH USD Trading pair on Coinbase / XXXX. I lost funds during the debacle and would like to know how it would be possible to become a part of the lawsuit. I wrote several emails to XXXX support and was hung up on twice by support staff when they refused to answer my questions. They even referred me to a " rule '' in their terms of service stating that they could halt trading on the exchange as they seemed fit, this rule was added AFTER they screwed up the BCH launch. 

This is an excerpt from the message sent to them : " I placed an accidental buy market order on BCH instead of XXXX with all the funds available in my account ( Approximately {$12000.00} ). This was my mistake, yes. Had it occured on a normally traded pair such as LTCUSD or ETHUSD, I would not have minded the slight loss of my error. Not even a half a second after I realized my mistake, I attempted to sell out and XXXX halted trading knowing full well that over 2k BCH had been sold and bought at manipulated prices. 

When trading opened today at XXXX PST, I frantically attempted to sell in order to salvage what was left of my funds and managed to cash out at ( XXXX XXXX ) which left my account at {$6600.00} for a Total loss of {$5700.00}. All because of a failure to make sure there was enough liquidity in the books before opening a new trading pair. ''
Consumer complaint received 2017-12-04
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. (MS)

I initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.
Consumer complaint received 2018-03-17
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SD)

This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. 

I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. 

I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. 

The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. 

This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. 

Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.
Consumer complaint received 2018-03-17
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: JPMORGAN CHASE & CO. (CA)

There was a fraudulent charge made on my credit card on XX/XX/XXXX. I disputed it immediately. Chase listened to my situation, and said they will be able to handle it without issue since it is clearly fraud. The situation was that a merchant, XXXX, charged my credit card without my consent while my account with them was closed for over a week. There was no way I could have authorized that charge. Also, I had opened up a dispute with that merchant regarding a purchase I did not receive earlier that month. Chase did resolve that issue for me. However, for this fraudulent charge, I was told on XX/XX/XXXX that they can not claim it as fraud because I had a previous relationship with the merchant. That makes no sense. If someone stayed at a hotel before, and then gets charged again a week later when they did not authorize it, that does not mean it isn't fraud because they stayed there before. Now, that representative said they will put the charge of {$3300.00} back on my card because they need to open it as a dispute against the merchant like my other charges. However, that makes no sense because again, I did not authorize the purchase for anything for this amount, so there is nothing to dispute other than a fraudulent charge. Their reasoning is hypocritical. I gave them a chance after escalating other claims on my other cards before, which they resolved. But since this unsatisfactory work and severely inconvenient process is happening again, I will be closing all my chase accounts if this does not get resolved. If this case should have been opened as another claim, they should have told me back in XX/XX/XXXX so that it can be resolved by now. Now, I have to wait another 2 months for a resolution which may not be in my favor because the circumstances in which they are disputing it is incorrect. I will make this and all other frustrations I had with Chase public to all forums, review sites, and personal contacts. Not only is the process not working to help me, their employees have been unprofessional. The specific employee who says my charge is not fraud for reasons that make no sense is XXXX ( XXXX ext XXXX ). I also want her to be punished for incorrectly assessing my situation. My attachments ( screenshots of my account before it was closed ) also show that the merchant XXXX never gave me anything for my previous purchases, and there is no reason why they should have charged my credit card any amount without my consent after my account with them was closed.
Consumer complaint received 2018-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a dispute with Equifax via mail regarding account name : XXXX XXXX   XXXX XXXX, account # XXXX ( see attachment. ) I received the results of reinvestigation dated XX/XX/XXXX ( see attachment. ) Upon review of the results of reinvestigation, there is a major inaccuracy. The date of 1st delinquency of XX/XX/XXXX is incorrect. Upon pulling a previous Equifax file from XX/XX/XXXX, confirmation # XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 13 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Equifax has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Equifax credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Equifax reports.
Consumer complaint received 2018-10-12
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: EQUIFAX, INC. (CA)

" " '' I have disputed this charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB (GA)

State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.

I did not open an account with State Farm Bank.
Consumer complaint received 2018-03-16
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: SYNCHRONY FINANCIAL (CT)

I placed an order for a product costing {$60.00} on XX/XX/XXXX and paid using XXXX XXXX XXXX XXXX XXXX ; the item was provided from a Marketplace vendor and had a guaranteed delivery date of XX/XX/XXXX. I received an E-Mail from the company on XX/XX/XXXX informing me that the product wouldn't be in-stock for at least a week and asking me if I wanted to wait ; I thanked the company and cancelled the order. I did not receive the order. 

The charge for the product appeared on my credit card statement and I filed a dispute with the bank on XX/XX/XXXX. After nearly 2 months, the bank decided that there was no reason to reverse the charge and closed the dispute with he recommendation that I contact XXXXXXXX XXXX. XXXX XXXX said that they can't do anything because, 3 weeks later, the dispute is still open at XXXXXXXX XXXX. 

I can provide copies of all E-Mail communications if needed. 

I plan to file a separate complaint about XXXX XXXX.
Consumer complaint received 2018-03-16
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. (CA)

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXXor XX/XX/2018, I requested my bank Wells Fargo to place a stop payment to XXXX XXXX in the amount of {$220.00}. On XX/XX/2018, I was charged {$31.00} for the stop payment fee. To my surprise, on XX/XX/2018, when I checked my checking account, XXXX XXXX successfully withdrew {$220.00}. I immediately contacted Wells Fargo to ask why was XXXX XXXX paid {$220.00}, XXXX XXXX of Wells Fargo gave me a ton of excuses even though she saw that I had a stop payment to XXXX XXXX for {$220.00}. I was asked to get transferred to a supervisor and that's when I was talking to XXXX XXXX who did the same as XXXX. She gave me a lot of hot air was not able to explain to me why the bank made the error. Instead, both XXXX and XXXX said I need to fill out a dispute form and that once it gets investigated ( 10 days later ),  that I would either receive the funds back into my account or not. This bank is the absolute worst!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-11-13
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. (NJ)

Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including TransUnion, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, TransUnion has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by TransUnion : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted TransUnion on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX, XXXX, NJ, XXXX My correct email : XXXX Despite my efforts and compliance with TransUnion 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX   XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.