davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
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. (CA)

EQUIFAX HAS MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
XXXX XXXX XXXX failed to send me a notice and to allow me to request validation of this debt before placing it on my credit report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. I further remind them that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide  notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account Notice : I am compiling information for litigation. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, LLP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Consumer complaint received 2020-09-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/XXXX and XX/XX/XXXX I sent disputing letter to Transunion together with Police report regarding XXXX account on my report. 
I have not received proper answer from Transunion, even thou the status of account i'm disputing is positive, thsat account is not mine and should be remove from my report. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX   Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriCollect (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Consumer complaint received 2020-08-28
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. (AZ)

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to me.
Consumer complaint received 2020-08-29
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: National Credit Adjusters, LLC (TX)

I have a loan with XXXX XXXX and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Was notified by Transunion that XXXX XXXX, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my XXXX XXXX. I contacted XXXX and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.
Consumer complaint received 2020-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (AZ)

In XXXX of 2020, I received an email stating my automatic payment did not go through and it was due that day. So I got online and made a manual payment. A few days later, I noticed it was taken out of my bank twice and paid twice to the company. I reached out by email and due to the pandemic, I needed to call but there were horrendous long waits. In may I did an online dispute with my bank and they agreed with me and refunded my money. In the mean time my loan was considered late as this payment was removed from there system. I called and reached out to them and even spoke with a supervisor. I finally got a case number and asked them to reach out to my cell phone. No one has called except for collections. I finally got an email and wrote back to the lady with no response. I got a collection letter stating they were going to turn me over to a collection agency. I printed out all my documentation ( 20 pages or so ) and sent to the attorneys office listed on the letter. I sent it certified return receipt. No response. I finally wrote the lady again with my case number and to the service department and waited a week with no response. I'm still getting collection calls on my home phone! I have since been charged every month with a different late fee. Please help me!
Consumer complaint received 2020-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

In 2018 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$5000.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 131.571 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1500.00} more to the interests ; I called the collection company " XXXX  XXXX XXXX XXXX  '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my autorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$5000.00} you will end up paying the ridiculous amount of {$23000.00} after you are done with all the payments, meaning that the Financial charge is {$18000.00} plus the {$5000.00}.
Consumer complaint received 2017-06-16
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. (TX)

I have  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

I have been citi credit card loyal customer since 2018. 
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to XXXX XXXX XXXX due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be XXXX, and have been officially alerted by numerous people on XXXX XXXX XXXX has gotten my money and got away with such crime. And citi did nothing to protect me. I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team. 
I have contacted citi dispute center and reported the issue and provided proofs in writing. Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammers favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card
Consumer complaint received 2020-08-30
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: JPMORGAN CHASE & CO. (CA)

I've reached out to Chase multiple times regarding this matter. My first letter to Chase, I requested the original consumer contract on XXXX XXXX. On the letter I sent my social security number, address, drivers license and account number. Chase responded asking for more information regarding this account which I don't have. Chase have yet to send me the original consumer contract.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

HI & HOW'S COVID-19? I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 for 30 days? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made my payment to my cap1 Walmart credit card instore on the XXXX of XXXX when it was due. I have a reciete showing the date on it. When I called cap1 on XXXX the manager said I must not of made it by cut off and quoted me times for online or over the phone payments. No place on my statement does it say how in-store payments will be processed. I received a {$39.00} late fee for making my payment on time! They should stop taking pymts instore if there is a cut off. 
XXXX was so much better of a company to work with.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

The debt collection agency AFNI is trying to collect from me {$1700.00} that i do not owe and it was reported as a Identity Theft and it was erased once from my credit report and now they put it back with other collection company.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My loan servicer, Flagstar Bank, incorrectly force placed flood insurance on my account on XX/XX/2020 for {$4200.00}. After detecting the error and contacting Flagstar Bank, they indicated a refund would be processed as they affirmed their error in not paying my existing flood insurance timely which caused the cancellation. It is important to note my account has escrows, the balance was sufficient to cover the cost of flood insurance and the flood insurance provider sent the renewal declaration timely. After checking my account to ensure the refund was processed, I discovered it was a partial refund of {$3400.00} on XX/XX/XXXX instead of a full refund of the {$4200.00} charged in error. I contacted Flagstar Bank again upon which they affirmed their processing error and initiated a research ticket to resolve and credit the account. I waited patiently for ~30 days and checked my account again to determine if the refund was processed. To my displeasure, it was not. I contacted Flagstar again upon which they affirmed the error and I requested the item be escalated and resolved by the end of the week. The end of the week has passed, I have not heard from Flagstar Bank and my account has not been credited the {$710.00}. While I understand the pandemic likely contributed to the issue as my policy expiration date was XXXX, I have made effort effort to resolve the issue with the servicer and feel this is the best course of action to draw attention to an issue that may be pervasive across mortgage servicers and ensure the {$710.00} is refunded in full.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (MI)

( 1 ) In the month of XXXX, I made 9 conversions between one digital currency and another. During that conversion, there was no disclosure of any fee for the transaction. It actually says that the Coinbase Fee for the transaction is XXXX ( see example image ) as stated on the order preview for the conversation. 

Post conversion, I realized that the post conversation dollar amount was far less than the pre conversation dollar amount. 

Upon complaining to Coinbase, I received the following. Note, I am an expert on these types of derivative transactions and this is an entirely false claim -- if there are funds reserved for liquidity or volatility risk mitigation, those funds need to be returned to the beneficial owner and not retained by Coinbase. Also, I have gone back to them several times for clarification and asking for the exact mechanics of the swap/conversion. They have refused to address after several attempts. 

" Hello xxxx, I'd like to explain what happened and why the fiat value of the funds you received is not the exact same as the value you were expecting. Depending on the volume and prices of orders on the order book at the time when a conversion is created, the conversion may fill  at a price less favorable than the most recent trade price, in some cases significantly so. This is commonly referred to as 'slippage '. This can cause an order to produce results that are more favorable, equal to or less favorable than original expectations. 

Per our Pricing and Fees Disclosure ( https : //help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees.html ) : Coinbase applies a Spread of two percent ( 2.00 % ) for Digital Currency Conversions. However, the actual Spread may be higher or lower due to market fluctuations in the price of Digital Currencies on Coinbase Pro between the time we quote a price and the time when the order executes. We do not charge a separate Coinbase Fee for Digital Currency Conversions. 

I hope this information helps! 

Regards, '' ( 2 ) Many days, even weeks after transferring money ( and the money being fully debited from my arround ), it is still often unavailable to transfer out of Coinbase. This is likely because they are using the funds internally to generate revenue.
Consumer complaint received 2020-09-23
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX -Amount {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$1500.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$94.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX - Amount {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$9000.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$0.00}
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (FL)

I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.
Consumer complaint received 2017-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

After getting behind on payments to  Navient  2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around  XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the  Navient  withdrawal, I immediately cancelled that authorization.  <P/> Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by  Navient  was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early  XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e.  WITHOUT automatic withdrawals.  <P/> However,  Navient  has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year.  <P/> In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2  separate occasions,  XX/XX/XXXX  and  XX/XX/XXXX , they contacted  2  of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on  XX/XX/XXXX  my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents.   arly last month I received a letter from the  Vice President fo r  XXXX   XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation.