davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.    I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   1. XXXX   XXXX   XXXX  #  XXXX  2. XXXX  #  XXXX  3. XXXX  #  XXXX  4. XXXX    XXXX   XXXX   #  XXXX  5.  XXXX   XXXX   XXXX   #  XXXX  6.  XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (MN)

My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and fees!!!
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SCA Collections, Inc. (NC)

numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (UT)

Experian has received notarized bank affidavit letter to remove  XXXX   XXXX   XXXX   XXXX   XXXX   from my credit reporting file.   XXXX   XXXX   XXXX   XXXX   is falsely reporting another person 's file on my credit report including wrong address, historical information for over the last year. I sent in dispute for Experian to provide the method of verification WITHOUT using the  XXXX  system of sending Office of Recovery services  a 2 or 3 digit  code, to actually provide the physical documentation and they have violated my rights under the FCRA. By again using this fraudulent method of   XXXX   verification and I intend to litigate if they continue to fail to comply to the FCRA and fail to remove this account.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a $ XXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mobiloans, LLC (NC)

I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (LA)

I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NV)

I have been trying to to get rid of my mortgage insurance  from US Bank Home Mortgage. Th ey have been telling me multiple different reasons why I can not get it removed from my mortgage for over 6 months. I have done everything they have told me to do, including paying {$150.00} for an appraisal, paying an additional {$3600.00} principle payment in  XXXX   2017. Bu t It 's still on my Mortgage statement for  XXXX     2017 even af ter they assured me it would not be there. Why should I have to pay for their multiple misleading mistakes?
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica ()

I am a US citizen in XXXX. 
I have made multiple failed attempts over the course of years to change my mailing address for the Comerica Bank Direct Express program. Now my card is expired so I am unable to get a new one unless I can change my mailing address. In about half a dozen attempts to call from XXXX, using the numbers on the back of the card, I have never reached a human being. In an earlier attempt, I was able to reach the automated phone system but was unable to type the information requested fast enough to avoid timing out. In the latest attempt, I got a " number not in service '' message for the international number on the back of the card. I sent a postal express mail letter with my identifying documents, to their address over a month ago, but have received no response. 

How are people who have difficulty with phones ( like me ), or have calling plans that don't allow for international calls ( like me ) supposed to manage their Direct Express accounts with no other means of contact? If phones are the only allowed means of contact, there should be human operators who answer every call right away. Making contact so difficult smacks of deliberate intent to hold the money. 

Over two years ago there was a failed ATM transaction that was deducted from My account. I have been unable to report it to initiate a resolution. 


P.S. I wonder what became of the letter I sent containing the copies of identifying documents ; was it just thrown in the trash leaving the documents for any trash collector to find?
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting a collection that another collection company was reporting. I t was removed as the account in question was the result of an accident. This was for the ambulance ride for me to the hospital. Under the state of Florida insurance I had PIP insurance in place for up to {$10000.00} of medical bills ... the company failed to bill it..I can not be reimbursed if I pay ... they must bill the insurance directly..I have explained this to the collection company and they do not care..it is a Florida law that they provider bill the PIP insurance ... I disputed this same information when it was reported by another company..now this company is reporting he same info ... .How do I get them to remove this false/incorrect information? I have disputed this multiple times - each time trying to give more detailed information ..each time they say verified ... how is it verified ... I also never signed anything guaranteeing payment ... this is th e Fire Dept  ambulance service..they should bill properly. Also, ... now Transunion-since disputing this has made it impossible for me to access my credit info online..forcing me to do it by telephone and mail-making it very difficult to get anything accomplished
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive no response because clearly you all are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove of those items from my credit report. It has been 60 days so they should be deleted promptly. In addition, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I am viewing my credit report to find these discrepancies : CREDCO - XX/XX/XXXX XXXX  CREDCO/XXXX  XXXX  I Mortgage Companies XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  CREDCO - XX/XX/XXXX XXXX  CREDCO Mortgage Reporters XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  As I think back someone had to been fraudulent using my credit information.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-15
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: BARCLAYS BANK DELAWARE (FL)

I am a victim of identity theft and I have repeatedly reached out to the creditors and bureaus in regards to negative items that are reporting on my credit. I need this to be please be fixed asap.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am working with a debt modification program through XXXX XXXX XXXX  and following the protocol I was given. Capital One has no received a payment directly through me since it will now go through XXXX XXXX. They have called me every single day, multiple times a day and I have had to block them on my cell phone. They have now started calling my job ( Starting on XX/XX/21 ). I informed the representative that I am a part of a debt modification program and to never call my place of business ever again and that all future correspondence on my behalf needs to be directed to XXXX XXXX XXXX and I provided them with the phone number. He said " Thanks '' and hung up. They have now called me every day since. Today XX/XX/21 I received a call from a woman from Capital One and I told her the same thing. This is getting extremely stressful and very unprofessional.
Consumer complaint received 2021-07-15
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. (MD)

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a dental bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the dental company and the collection agency but to no avail. I've always had dental insurance and I've visited this dental office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any dental work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
Consumer complaint received 2021-07-15
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: Professional Credit Management, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have a Coinbase account since XX/XX/2020 and have been able to operate normally. For the last months I've been trying to withdraw my account balance ( 1037 GRT, rougthly around XXXX, much less than when I initially tried to withdraw ) but I get the message that my account is in veryfication status and that I should check again in two days. 

The problem is that it has been in this status for almost 2 months and I am still unable to withdraw my account balance. 

I have really tried to contact coinbase support, but its customer support is really poor and I have only been able to recieve automated responses. I have not been able to talk with any actual customer support specialist.