davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}. 

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NC)

I have two virtual gift cards through American Express that I have been gifted by my employer. I have tried on numerous occasions to use them at various online retailers or outlets and each time the transaction is declined. I assume this is because there is no actual billing address associated with the card, and despite the fact that AMEX FAQ 's indicate I should be able to enter my own address, clearly this doesn't work as the card is kicked by every time due to it not being able to be verified via a correct billing address. I have exhausted every method to no avail and as such I am stuck with {$100.00} worth of currency that I am unable to use anywhere.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

I am writing to address a concerning issue with my Gemini account. On XXXX XXXX XXXX, I transferred BTC ( XXXX ) to my Gemini account as an investment. Shortly after, my account was frozen without any explicit explanation. 

Despite providing all requested personal identification documents promptly, my account remains inaccessible and I have been unable to transfer, send, or sell my crypto holdings. The link provided to withdraw my funds has proven ineffective, leaving me unable to access my investment. 

This lack of access and explanation for the account freeze has led to immense frustration and concern. As a user who has adhered to all policies and procedures, I am dismayed by this situation and perceive it as a substantial hindrance to my financial access.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Prosper Marketplace, Inc. (PA)

The company has specifically recognized that they don't hold the account for which they are reporting. I have attached an email received from Prosper Market stating that. But Prosper Market is still reporting the account. Your service can also verify with the company Prosper cited as the owner of the account, XXXX XXXX XXXX XXXX, which I reached out to also. They also denied the existence of this account. 
Please verify with XXXX XXXX XXXX XXXX to ensure that this is an error and needs to be corrected on my credit report. 
Therefore, I want the account from Prosper Marketplace to be definitely removed from my credit report. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting these late payments on my profile are indeed inaccurate.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express XXXX XXXX and I unable it to use it anywhere. It keeps getting declined from every online merchant I try to use it at. When I reached out to American Express I was told to just keep trying til it works somewhere. I tried even using it at XXXX online which allowed me to enter the 4-digit America Express card security code, as instructed by American Express XXXX and still declined there. The customer service is horrible- only automated and never got to speak to anyone.
Consumer complaint received 2024-01-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

The debt is from a house are used to own. I got a divorce and the judge awarded the house to my x wife. I did a quit claim deed and the debt was taken off my credit report back in 2021 and now its back on my credit report.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

I have money in my account which I can't access. I wanted to make a wire transfer out but it got cancelled by the fraud department. When i call and request for the balance I'm still authenticated properly and I can listen to my account through the phone just like my balance and the rest. But when I check online. It says account blocked. I need to be able to make transfers out of my account. I called the bank and i was told a reference number would be delivered to my address so I can be verified and have my account back active. But its been two weeks now and I've not seen any letter. I guess no letter was sent. This is the same address I use in receiving updates from the bank like my card and the rest. But now i can't have access my money in my account. I need this fixed as soon as possible. I have about XXXX in my checking 's account but i can't do anything with it because my account is blocked and i need to verify. I've been waiting for a letter for two weeks and I'm yet to receive anything
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I ordered a game from XXXX XXXX XXXX for {$48.00} on XX/XX/XXXX XXXX I received an email receipt # XXXX from XXXX XXXX XXXX. 
XX/XX/XXXX XXXX  I received email stating my order has been shipped. I was provided with a tracking Number XXXX, as well as a web site to track the order and view details. XXXX XXXX XXXX, when i try to log in to track it XXXX cant get in So I tried to email the support email address XXXX, and I get a message back that " Address not found and wasn't delivered '' there is no phone number on either the email i received for the receipt, or the email I received that said my order was shipped on XX/XX/XXXX XXXX 

Can this be looked into? I just at this point want my money if they are not going to send the merchandise. I have the record that the money was withdrawn from my bank account on XXXXXXXX XXXX from USAA bank. I have not notified them yet and don't which way to go on this matter. Please advise as soon as you have an opportunity. I can provide documents if you need them just let me know... XXXX XXXX
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (RI)

Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

Fifth third bank is trying to force me to purchase additional flood insurance for my condo. My condo is on the XXXX XXXX  of building ( roughly XXXX XXXX  above flood level ) - Also my condominium building carries a {>= $1,000,000} flood policy ( attached ) as well as a letter from condo association president showing the above flood policy is in full compliance of all state and federal regulations. I have attached both to this case. I also uploaded both to the fifth third insurance compliance website. Fifth third is attempting to get my loan off their books as the rate is XXXX XXXX and of course now interest rates are much highter. PLEASE HELP!!
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BARCLAYS BANK DELAWARE (FL)

I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ' card that we used for years at retailer, specifically XXXX grocery stores. Presumably, there is funds to be used for my now XXXX child. I am unable to get any information on the balance of this account. The phone number only verbally redirects to websites. The website isn't useful. Online support takes over a month. 

Online searches indicate this company may be a scam, and that seems consistent with my experience so far. Taking money and not paying out or disclosing details seems to be a fraudulent activity.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

There is a " statement '' that is listed on my EQUIFAX credit report, which I did in error. The statement was supposed to be information listed for disputing an inaccurate item on my credit report. I called and spoke to EQUIFAX directly to remove this STATEMENT verifying my identity and everything. EQUIFAX said they would remove this statement and still have not. This affects my credit because when creditors pull my credit report, they can see this, and they think that my credit has been compromised.
Consumer complaint received 2022-10-26
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. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank related issue with our small XXXX XXXX XXXX. 

Date : XX/XX/XXXX - Checks Forged/Account Closed. Checking Account # XXXX in the name of XXXX XXXX, was compromised due to forged checks. Bank notified, transactions reversed and this account was closed on XX/XX/XXXX. All funds in the account were moved to savings account. 

Date XX/XX/XXXX - New Checking Account Established - New Checking Account established on XX/XX/XXXX with Wells Fargo # XXXX in our company name, XXXX XXXX Funds moved from savings to new checking account. 


XXXX XXXX management XXXX Wells Fargo Bank XXXX writes for 3 months to avoid further fraud. Auto payments continued, but all check writes stopped XXXX XXXX - No checks were written. Auto Payments continue. 

XXXX. XXXX - No checks were written. Auto Payments continue. 

XXXX XXXX - No checks were written. Auto Payments continue. 

XX/XX/XXXX - XX/XX/XXXX - First check written. - Check # XXXX, to transfer Funds from Wells Fargo XXXX XXXX XXXXXXXX XXXX and on XX/XX/XXXX - Fake Check with already Closed Account # XXXX and with False Signature presented by " XXXX XXXX from Colorado ''. - Check cashed by Wells Fargo when account no longer exists. Account already closed 3 months back.- Check Amount XXXX ( XXXX XXXX XXXX XXXX and XXXX/XXXX ) - Check date XX/XX/XXXX - Account # XXXX on check which was closed on XX/XX/XXXX - Check # XXXX Wells Fargo is refusing to reimburse this amount. We are unaware that a check using a closed invalid account and fake signature can be cashed. Our attempts to explain to Fraud Specialist and Bank Manger are of no use. - The Fraud Department does not wish to entertain request as it is more than 40 days after the statement closure hence we can not adjust
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I took out Private loans for my daughter to attend XXXX XXXXXXXX XXXXf XXXXXXXX XXXX XXXXXXXX in XXXX from XXXX. They changed their name to XXXX XXXX shortly after. I have two private loan that have accrued interest totaling {$28000.00} when the loans were initially for {$5000.00} each, back in XXXX. 

Navient originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates even though it knew that a very HIGH percentage of such borrowers would be unable to repay the loans. Navient made these risky subprime loans as " an inducement to get schools to use Navient as a preferred lender '' for highly profitable federal and private loans without regard for borrowers and their families, many of whom were young, like my daughter, and ensnared in debts they could never repay. 

Navient had a multi-state settlement a few years back where they gave private loan debt relief to borrowers who had XXXX consecutive months of delinquent payments prior to XX/XX/XXXX. What a XXXXXXXX XXXX XXXX XXXX for the people who literally struggle month to month to pay these XXXX loans!!! I can't get approved for a home. I can't get a car loan unless I pay outrageously high interest rates. If I'm even a couple days late, Navient is already calling and emailing every chance they get. I'm afraid of Navient calling my job or garnishing my wages which is why I try to be on time with payment but as a retiree it's difficult to pay for these loans and my daughter already struggles to pay the federal loans. 
My daughter applied for XXXX for the scam school XXXX XXXX XXXX and is on track to get the federal loans discharged and I want the private loans to get discharged as well. 

Navient has been sued at least half a dozen times for other predatory loan practices and illegal collection practices. 

I'm requesting the Navient School Misconduct private loan discharge application
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

I downloaded coinbase app from the XXXX XXXX. 
I followed all instructions. 
I lost all my saving over {$130000.00} From XXXX XXXX XXXX through XXXX XXXX XXXX I had over 100 unsuccessful conversions emails. 
When that happened I had to corresponded to coinbase customer support to be able to convert my crypto. 
I never had the problems resolved during those months. 
I felt like I was manipulated. 
In many occasions I corresponded to the customer support, but they said its because of price changes. 
I also had other issues with the coinbase platform. 
Couple times I was trying to convert my cryptocurrencies I had internet issues for no reason, also it happened few times when the platform performed weird it freezes ( bug ). 
I corresponded with different online lawyers but none took the case instead I sent a bunch of information like screenshots and emails. 
I got scammed by sending money online to a paralegal who assured me of the results. 
I need to be guided to the right direction. 
I just cant deal with the wrong people anymore.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

Hello, my information was sold to Lakeview Loan servicing from XXXX bank without my consent. Furthermore, after requesting documentation I realized my information has been sold again from Lakeview Loan Servicing to XXXX. My initial understanding was that both companies were the same company. Not XXXX debt XXXX. My loan never went into collections with XXXX which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least 3 times and still has yet to provide proper validation of debt. According to my promissory note my debt is with XXXX XXXX. 12USC1431, 15USC1681,
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

I have been checking my credit report because of hard inquiries that I did not authorize. On XXXX XXXX, my XXXX report suddenly had a debt collection for {$250.00}. I looked into this and saw that someone opened an account with XXXX XXXX XXXX and XXXX since XX/XX/XXXX XXXX This isn't me and I would like to have the debt removed from my credit reports. I tried to dispute it, but have now learned I need more information. I am attaching a police report from this summer. I was not aware of XXXX XXXX at that time. 

I am sending an identity theft letter to the following address : PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sorry for the scattered notes, but this is what I have from the phone call I made with PDM : XXXX XXXX - XXXX XXXX XXXX About Account - Professional Debt Mediation Send XXXX XXXX XXXX XXXX - XXXX - Subject - Fraud ( My account # ) XXXX and XXXX XXXX, FL and XXXX XXXX, FL XXXX ; XXXX ; XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX