davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Consumer complaint received 2023-04-18
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MN)

I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on  Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX. 
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Back on XX/XX/23 I sent a letter to equifax to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.
Consumer complaint received 2023-04-18
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-19
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope you will make an effort to finally delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Account name XXXX XXXX  XXXX Account number XXXX 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 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

Regarding Cryptocurrency Exchange : Coinbase , Inc . 
I have a long-standing account for investing various cryptocurrency with Coinbase. All assets were purchased through Coinbase with XXXX XXXX transfers. All accounts used to fund the purchase of assets on Coinbase are in my own name and linked to Coinbase. When attempting to send assets to my wallet off Coinbase Coinbase put a restriction on my assets not allowing me to send ( withdraw ) these assets. Chatting with their support team, they requested an additional verification process which I completed. Additional verification required me to take photos and provide front and back copies of state ID ( Driver License ) which was completed. Coinbase replied that for my protection they are restricting my access to send assets off of their platform for 60 days. No other information has been provided ; no reason has been provided. No updates have been provided on the restriction. I have completed all steps theyve asked. Holding these assets in a non-liquid form is causing financial XXXX for me and my XXXX and it appears Coinbase is leveraging my assets for their own gain. 
I assured Coinbase Customer Service that my transfer request was indeed me and that I understand the process. I verified my identity and intention to complete the transaction and that this was not fraud and I was not being coerced to transfer my assets. 

Here is the only message received from Coinbase : As the most trusted crypto exchange, Coinbase takes a number of steps to keep your account safe, and we actively monitor for unusual activity and scams that may affect our customers. Based on this monitoring, we are concerned you may have sent, or are trying to send, crypto to a fraudulent person or platform. 
Out of an abundance of caution and to protect you against potential loss, we have temporarily limited your ability to send additional crypto until XX/XX/2024. This restriction will be removed automatically as the set time period elapses.
Consumer complaint received 2023-04-18
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (TX)

Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

I am not sure if anyone can help me with my student loan situation, but I have been battling everyone for the last 3 years and I am getting nowhere ; I need guidance. I am a government employee & almost everyone in my ofc had their loans forgiven through the XXXX program. I have made over 20 years of payments, so I know that I would qualify for the loan forgiveness program. 

During XXXX, I paid off my student loans on XX/XX/year> in the amt of {$29000.00}. I am a single mom & I did not know what the pandemic & mounting bills would be ; I wanted to pay down my bills as much as possible. I work for the Department XXXX XXXX and some of my co-workers were able to get back the loans they paid off during the pandemic, however, I have been getting the run around for the past 3 years. 

I used NelNet & my loans were Direct Loans. I spoke with NelNet & they stated that my loans were commercial b/c they were sold at some point from XXXX & did not qualify ; however, I was told that Dept of XXXX XXXX XXXX the loan back to the Direct Loan that it previously was. The longer I get the run around, the shorter my time frame becomes. I have sent msgs to XXXX XXXX XXXX, XXXX XXXX and XXXX. All have said they are " looking into the matter '' but later I get emails that the matter was " closed ''. Is there anything that I can do to get the money I paid during COVID back?
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On Monday XX/XX/2022 I received my federal tax refund of {$7300.00} I used my card in a couple of merchants and on Wednesday XX/XX/2022 there was a deduction from my account for {$5300.00} from a bank called XXXX. I do not have a bank with this entity nor have I ever banked with them. I reported the issue to chime and they couldnt give me any information about the charge. 

Exactly one day later they declined my claim and did not want to refund my money whoever initiated this transfer was not me as I dont bank with XXXX  this had to be sent to a account not under my name but chime did not want to help in giving me any information as to what to do in this situation they just had the name XXXX  in their system no name no account number nothing. 

Im asking you guys to please contact chime and make this right someone transferred {$5300.00} dollars from my account and chime did the bare minimum to recover my funds Ill be taking legal action if this is not fixed this is all the money I had and they didnt do anything to really investigate this problem they didnt get any information I already didnt have. You could totally see its fraud because I dont use XXXX I never have. They stated a IP address in Florida was used but that could easily be masked by a hacker. 

Im begging you guys to please fix this and re open my claim I need my money back its not right that they just denied it after one day and got no information about the charge.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

Theyre holding me accountable for the charges that were fraud even though Im providing all the documentation such as police report and all other complaints I have made in regards to this issue and my identity theft issue.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX  LLC HAS CONTACTED ME YET AGAIN ON XX/XX/XXXX VIOLATING MY CONSUMER RIGHTS YET AGAIN NOT ABIDING BY FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 10 ROBO CALLS WITHIN XXXX HOUR AT XXXX XXXX XXXX XXXX IDENTIFYING THAT THIS XXXX XXXX  TRYING TO COLLECT A DEBT THAT YOU OWE. XXXX REPEATED LIVE CALLS FROM SOMEONE AT XXXX XXXX TIME FROM RESURGENT CAPITAL SAYING THIS IS AN ATTEMPT TO COLLECT A DEBT " THE COLLECTOR SAID TO ME ON THE PHONE THIS IS XXXX I WORK FOR XXXX HERE AT RESURGENT CAPITAL YOU XXXX  DEBT BEAT PAY, PAY WHAT YOU OWE US, YOU XXXX DEBT BEAT. i TOLD THE COLLECTOR THAT THEY ARE VIOLATING THE CEASE AND DESIST DEMAND REQUEST NOT TO CONTACT ME ABOUT ANY DEBT. THE COLLECTOR SAID TO ME THAT THEY CAN VIOLATE ME ANYTIME AND THAT THE FDCPA DOES NOT APPLY TO THEM BECAUSE THEY ARE UNTOUCHABLE. XXXX THE DEBT COLLECTOR FOR XXXX XXXX XXXX CAPITAL SAID BEFORE I HUNG UP THE CALL YOU XXXX DEBT BEAT, YOU XXXX DEBT BEAT.. I'M HORRIFIED AT THE WAY THIS DEBT COLLECTOR IS GOING ABOVE THE LAW. i ALSO NOTICED THAT LVNV FUNDING HAS ADMITTED IN WRITING TO YOU XXXX. THAT THEY CLEARLY VIOLATED THE CEASE AND DESIST DEMAND LETTER i REFUSE TO PAY TO STOP CONTACTING ME ABOUT THIS DEBT i REFUSE TO PAY THAT WAS SENT IN WRITING ON XX/XX/XXXX, XXXX XXXX LLC HAS ADMITTED IN THEIR OWN LETTER /DOCUMENT DATED XX/XX/XXXX THAT THEY SENT BILLING STATEMENTS TO ME ABOUT A DEBT. AFTER A DEMAND LETTER TO CEASE AND DESIST FROM CONTACTING ME ABOUT THIS DEBT/I REFUSE TO PAY WAS SENT IN WRITING DATED XX/XX/XXXX OF XXXX. VIOLATION OF FDCPA 15 USC 1692C- ( C )
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (SC)

I made contact with this furnishing agency and I was notified that they have no file of my social security number on file no account with my information at all I gave them a call both disclosing the same information. 
On my consumer credit report Wakefield and associates has furnished this information without my consent and contract that me the consumer did under Any rightful contract of my knowledge also reporting them with a major agencies I have a collection that is reporting negatively, with limit of which is considered a charge of, please help me with this matter and remove this account immediately due with consideration this CFPB account number is my filing claim and I have done several disputes in. Violation that XXXX XXXX has committed according to FDCPA, FCRA of 1970,15 USC 1692 ( e ) 15USC 1681 several regulations have been acted in violating my rights and requirements of these organizations and I would like to deeply send in dispute for REMOVAL of this account and investigation to seek remedy for all violations and regulations committed on both state and federal level with my residing state in SC by this agency showing dishonor I would like to execute seeking ramifications for the following several VIOLATIONS and dishonorable federal regulations committed against me and my livelihood and my ability to live in in functional formality and be productive. With the credit system that had specifically been designed to protect and benefit the daily lives of consumers, section 623 of the FCRA. Under the Cares Act. Effective immensely 15 USC 1640 due to the unlawful and inaccurate reporting for each Violation I seek XXXX dollars EACH In total for defamation of character and inaccuracy this charge has effected me and my ability to purchase a home a vehicle, extend credit to myself that I'm entitled to according ECOA CFR 1002.7 I would like to in good faith Seek remedy from this dispute in form of cashier check pay to order of XXXX XXXX XXXX Contact information Email XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary
Consumer complaint received 2022-12-08
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (AK)

Company over charged my balance, went from {$5400.00} to {$7300.00}. With {$950.00} in payments made that month and only {$550.00} in transactions that month. Called repeatedly spoke to multiple managers, they added up the transactions and agree balance is off. But refuse to change to correct amount. Which is damaging my credit score and being over charged by {$2200.00} in fees. Please help.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (IL)

A. ) Parties with MoneyLion could do nothing in return of an extra dated payment XX/XX/2023 early option, and pre-dated XX/XX/2023 both for {$96.00} total {$190.00}. Called wed and thur XXXX for disputes, referred to Loan Department call at XXXX stated to contact MoneyLion customer service who referred to Loan Department, could do nothing, along with a background negative descriptive/comment referred to Customer Service . I informed them it was processed thru MoneyLion roar Account Plus to XXXX XXXX.Early payment should drop second dated payment. ( It happened before but I let it go. This is my third XXXX XXXX ). B. ) In another complaint an app function for a new account route and account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX did not facilitate as specfied standard operational procedures, amount of transfer that did Not go through {$1000.00} ( Planned on keeping both financial institutions,? ) XXXX was waiting for a payroll deposit.