davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is showing this still on my credit report- XXXX XXXX XXXX XXXX They agreed to delete it from my credit report. 

XXXX agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with XXXX. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (WA)

Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XXXX XX/XX/2018 XX/XX/XXXX. 2018
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I'm a cryptocurrency trader and I've been hacked right of the XXXX XXXX. I had {$4000.00} and XXXX of bitcoin which was worth about {$1800.00} at the time before my account was completely wiped out. I contacted Coinbase the owners of gdax about the issue as soon as I noticed I had no money in my account. They told me that they set my case as a priority and that I should be contacted in 2 weeks. This all happened XX/XX/2018. It's been almost a month and a half and they still are not taking any action. I give them a call every week and they give me the same answer. They tell me that they set my case as a priority and that I have to just wait. They are not giving me a time of when they'll get back to me and or when I'll receive my refund. I'm just left helpless with a frozen account that I can't trade with it and about {$5800.00} of my money stolen, in which I have no idea when I'll get back.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

Coinbase Inc may be a " conduit '' to credit card fraud. 
It allows account members to use stolen/fraudulent credit cards for transactions. 
In my case, Coinbase allowed one of its account members to conduct eight fraudulent credit card transactions within a few minutes totalling over {$400.00}. It could have been much more if I did not contact my credit card company. The first three transactions were small amounts ( i.e., {$1.00}, {$1.00}, {$1.00} ) and the next 4 transactions were in {$100.00} increments. 
Coinbase should have been aware that these transactions look very suspicious and should have suspended these activities with the account member. 
It is interesting that a company that deals with virtual/digital currency ( Bitcoin ) allows its account members to use " real '' money to conduct fraudulent transactions ( buying Bitcoins with stolen/fraudulent credit cards ).
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. 



XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I assume the company in question is Portfolio Recovery Associates, though I can't verify this, as they refuse to leave a message or identify themselves over the phone, but based on the number out of Florida they're using, I was able to find similar complaints online that identify the company as PRA. 

I received a collection 's notice from PRA a few months ago. After I sent a certified letter requesting validation of the debt, they either could not or would not provide the requested documentation, so I assumed the debt was - in fact - NOT valid and received no further communication until yesterday, XX/XX/XXXX. They did not leave a message, and then called again this morning and would not identify themselves as PRA, despite me already having looked up their information online. 

I've included a copy of the debt validation letter dated XX/XX/XXXX.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I took a trip to XXXX XXXX and landed at the airport where I took a cab ride to my hotel. I swiped my card on a card reader provided to me by the cab driver. The cab driver then stole my phone but I got it back along with my card. I go t dropped off at my hotel only to find that he charged my card for {$330.00} instead of the {$40.00} he agreed to charge me for. Hours later, a second charge came onto my card for another {$330.00} totaling to {$660.00}. I called Bank of America when I had phone signal and reported the fraud claim on XX/XX/XXXX. They told me they would investigate the claim and I waited from XX/XX/XXXX until XX/XX/XXXX. Within that time frame I also called twice to escalate the issue as the claim was taking a long time and I needed my money back. On XX/XX/XXXX I got a notification from Bank of America that my fraud claim was denied. 
On another note, if you look at the transactions which I made the claims about, it says XXXXXXXX XXXX XXXXXXXX which is XXXX XXXX. I was never in XXXX XXXX, I was in XXXX. This is something I would have expected the Bank of America claims research team to recognize however they did not. It seems that not thought or care was put into this investigation. I have attached a screenshot of my bank account with the XXXX separate transactions for {$330.00}. Another point to my claim is that my card was only swiped once and somehow I was charged twice. This is something else Bank of America has failed to recognize.
Consumer complaint received 2018-04-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

I visited UAC/XXXX on XX/XX/XXXX to search for a vehicle. I asked about a XX/XX/XXXXXXXX century and I was informed the vehicle is for sale {$4100.00} and payments are {$170.00} per month. I decided to apply for the vehicle. During the application process I told the car dealer I get paid once per month and the dealer said not a problem because the XXXX is only XXXX per month. After completing the application I was approved for the XX/XX/XXXXXXXX century. I signed the paperwork to purchase the vehicle then the price jumped from {$4100.00} to XXXX. I asked why the price more than doubled? The car dealer said the price includes maintenance, a warranty and interest. I became upset because none of this was disclosed to me before I purchased the car. Further more the car dealer told me that all my documents are located online if I have any questions at XXXX XXXX, however after navigating to the website I noticed no documents on the website. One week later I get a call from XXXX saying they needed payment for the XX/XX/XXXXXXXX. I explained I do not have a payment due yet because I get paid once per month. The XXXX  associate told me UAC/XXXX only does biweekly payments and I need to make a paymemt asap. I told the XXXX associate once more that I have a contract in place stating I pay once per month since I am a salary employee. The XXXX associate said if I dont make a payment of XXXX by the end of the day XXXX will remotely disable the starter in the car. I never was informed nor agreed to this remote disable starter business yet carhop XXXX my car remotely without prior knowledge or consent. This continued for 5 months. I was told by XXXX  my monthly payment schedule is processing and in the mean time I should take out payday loans in order to make the biweekly payments or else XXXX will continue to disable the starter within the XXXX XXXX. For 5 months I dealt with this having to take out payday loans to pay biweekly payments when I get paid monthly. This put me in extreme debt and in hot water with my boss because I could not get to work due to the starter being XXXX. This behavior caused me to lose my job, become evicted from my apartment and I'm in extreme debt. I called XXXX to make arrangements to come pick up the XX/XX/XXXX XXXX because XXXX put me in debt however XXXX said they will not come get the car because they have to wait 30 days and XXXX  threatened to ruin my credit. I am very upset because XXXX promised me monthly payments of {$170.00} for a XXXX XXXX century {$4100.00} however XXXX lied by raising the monthly price to {$380.00} and the payoff price to {$9100.00}. In addition, the XXXX started making a loud grinding sound and did not work properly so I took the car to a mechanic who told me the car was involved in an accident and was auctioned off to XXXX XXXX XXXX XXXX XXXX never told me this car was prior damaged.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (FL)

I came forth in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application at FORD MOTOR COMPANY and got Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of FORD MOTOR COMPANY to be attached with the application that was submitted on XX/XX/year>XXXX   with no response from FORD MOTOR COMPANY or action its now XX/XX/year>XXXX  which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (ME)

Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.
Consumer complaint received 2017-09-25
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. (CA)

Filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you,
Consumer complaint received 2017-09-25
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. (MD)

I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. 
I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have contacted Equifax several times since XXXX XXXX, XXXX because I am unable to access my credit report online. Since the database break in I 've also not been able to access my report through third party monitoring services. Each time Equifax claims they have no problems on their end and that I and the third party monitoring services are the problem. I had this same problem in XXXX and had to have you all contact them to resolve the matter. The issue is present again and as they did in XXXX, they are giving me the runaround. I need to apply to refinance my mortgage shortly. This is a huge impediment.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Services of Athens , Inc . XXXX XXXX XXXX XXXX, Georgia XXXX Local : ( XXXX  ) XXXX  Toll free : ( XXXX  ) XXXX Fax : ( XXXX  ) XXXX  This company has placed their name on my credit report XXXX and won't remove it Two separate acts I don't owe the dr called me from XXXX XXXX AT XXXX stating my acct was paid in full I had insurance XX/XX/XXXX/XX/XX/XXXX But maybe due to XXXX   breaches someone has placed this collection on my report Dr says he don't use coll of Athens anyways! Please forward to state attorney!