davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NY)

There was a breach of my card number through my checking account with the bank. Large sums of money was stolen out of my account at multiple ATM locations. When I noticed the unauthorized transactions I immediately contacted the bank to notify them within 48 hours after noticing the unauthorized transactions. I provided the bank with all evidence to show that I never made those transactions neither did I ever visited that bank in the past. I corroborated this information to the bank. I sis everything to communicate this fraud. The banks response was they found no errors. I dont know what else to do. Please help. Below is correspondence. Many attempt were made by me to work with the bank for at lease a provisional credit and a continuing investigation on how this happened. 

Fax number - XXXX Email - XXXX Mailing - XXXX XXXX  XXXX, XXXX TX XXXX XXXX XXXX Supervisor, Customer Experience Netspend XXXX XXXX A Global Payments Company I made a police report with the XXXX detective XXXX XXXX XXXX ( XXXX ) XXXX XXXX I file a claim of identity theft with the FTC XXXX to ensure no other information was stolen or breach by the bank this all started with.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

XXXX Ive already filled a complaint about my citi credit card. The problem still hasnt been resolved. They are very hard to get a hold of and the few times I did, it was about a dispute. They would email me a form that wouldnt load so I asked them 3 times to mail it to me and never got one. About two weeks ago I got a response from you and citi. Once again it was an email with a link that doesnt work. I emailed them back telling them for the 4th time to mail me a letter. I havnt heard back from them or gotten the letter.
Consumer complaint received 2021-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TN)

Dear Sir/Madam, I am writing to you regarding my student loan balance with American Educational Services ( AES ). During my undergraduate studies, I borrowed from the lender {$9600.00} to pay for tuition and other school related expenses. After graduating in XXXX of XXXX with my degree, I begun making monthly payments to AES starting with my very first payment of {$90.00} on XX/XX/XXXX. In the last 10 years I have made 126 payments in the total amount of {$11000.00}. Today, I only owe {$9200.00}. For the past 4 months I have stopped making these monthly payments as I sought to understand how, after a decade of payments, I have only been able to pay down my debt by less than {$400.00}. I was advised by AES that to receive a response I would need to mail them a letter describing my request. My first letter was sent in early XXXX of XXXX and I have not heard back from anyone to my original letter or those thereafter. In total I have sent 4 letters address to AES and the Office of Consumer Advisory, both located in XXXX, XXXX During this time however they did report my delinquency to the credit agencies which has negatively impacted my credit score. My recent statement notes that my score has declined from a range of XXXX down to XXXX, depending on credit reporting agency. While this is not material to this particular matter it does illustrate the point that I have been a responsible consumer who has always paid their debt as well as the significant impact this has on my future credit worthiness. I have already paid back more than I have borrowed and have not been able to understand from anyone how after 10 years of payments my debt has practically not moved at all. There seems no incentive to continue making these payments for another 10, 20, 30, or potentially 40 years just for them to remain at the same amount as borrowed. I borrowed {$9600.00} with the understanding that I would have to pay that amount back with interest. I firmly believe that after {$11000.00} and 10 years of this financial and mental burden my balance should have decreased by more than {$360.00}. I seek to understand how much of the {$11000.00} should be applied to principal and I wish to settle my debt with AES by paying off the difference between my original balance of {$9600.00} and that principal amount.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXXXXXX XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

i started receiving mail that i had no insurance XXXX never had to send the insurance company payments, due to State Home Mortgage being responsible for sending payments to my insurance company.i never could get anyone to answer the phone or return my calls at State Home Mortgage.i called the insurance company ( XXXX XXXX  XXXX XXXX XXXXthey informed me the insurance was canceled due to non payment.payment was due XX/XX/XXXX, but they received the payment from State home Mortgage late on XXXX XXXX i had no insurance on my property, but State Home Mortgage charged me for having insurance at that time.the letters and statements sent from State Home Mortgage states i have no insurance, but they are charging me for having insurance within that time. this would increase my monthly payments {$290.00} and XXXX annually.State Home Mortgage went back in time and charged me for the months that insurance wasnt on the property.this is on my XXXX mortgage interest statement.please view the uploaded documents..
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc. (TX)

XX/XX/21 is the actual date of the 2nd settlement offer via phone date, offered by Southern Management Systems, XXXX XXXX XXXX, XXXX, FL XXXX. 

Southern Management is a collection agency hired to collect for The XXXX XXXX XXXX, which is student housing for XXXX XXXX University students. Anyway, the XXXX XXXX  XXXX has been under new mgmt more than once since I graduated. I was unable to reach anyone. Southern Mgmt has ONLY contacted me via phone for a settlement offer, I agreed to the {$1700.00} offer on XX/XX/21, ready to full pay. 

My ONLY request is that I wanted a document of the agreement with the agreed upon terms per conversation on XX/XX/21. Due to anything can happen from the time my pymnt is sent to them. I have nothing but their word that they will DELETE their tradelines from all 3 credit bureaus within 30 days. This is my only request. I have asked several times, have spoken with multiple people. Each agent said No.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX  XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX  XXXX has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-02-21
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
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. (IL)

I was just released from prison and I am trying to get an apartment. I don't know where these fraudulent accounts and hard inquiries came from. Someone must have stolen my identity and opened these up. Please help me delete all of these immediately.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (KY)

I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

XXXX XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-02-20
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. (CA)

To whom this may concern By the Fair Credit Reporting act. The list 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 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (DE)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-04-21
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: Convergent Resources, Inc. (PA)

On XX/XX/2021 XXXX XXXX add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra XXXX XXXX has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I had a XXXX, XXXX and a XXXX XXXX in XX/XX/XXXX and ended up with a hospital stay. Coming from XXXX I thought I was adequately insured with Obama Care through Covered California. I was in no XXXX or XXXX state to deal with reality as I was fighting to keep my job as a XXXX and get well at the same time. I tried speaking to the hospital when I realized that the bills coming through were not for my insurance, but me. The hospital did not want to negotiate and handed it to a debt collector, who then handed it to a 2nd one. Both accepted a payment of {$10.00} a month as I hardly can afford anything on my monthly wages. Due to this my debt has now climbed to {$190000.00} and has damaged my credit report dramatically. 
Original Amount XX/XX/XXXX {$120000.00} Todays Amount XX/XX/XXXX {$190000.00} 1st Debt Collector XXXX XXXX Interest Amount XX/XX/XXXX {$10000.00} 2nd Debt Collector XXXX XXXX XXXX Amount {$190000.00} The HIPPA law has been violated. All invoice/ medical details have been shared amongst all without my approval.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (VA)

My dad was diagnosed with terminal XXXX on XX/XX/21. I called following the first payment on a debt to ask for two deferred payments to free up funds to be able to see my dad ( who lives 3,000 miles away ) and help my mom with some of the costs associated with my father 's illness. I was told until 6 months that no assistance can be offered on their loans for any reason including COVID, which goes directly against the protections offered at this time. I was also told that Discover charges off debts at 120 days and would rather allow debts to charge off than assist someone in a time of need.
Consumer complaint received 2021-04-21
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. (FL)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX AL XXXX XXXX.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (OH)

In XX/XX/2021, I was approved for Apple Card. I requested the titanium physical card, and I have yet to receive it. I have called Goldman Sachs and Apple regarding this issue, and have yet to reach a resolution. After many weeks, a manager finally called me just to tell me that the issue is still being worked on. I do not understand why it takes so long to issue a physical card.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (NJ)

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX, I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with ARS NATIONAL SERVICES INC.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through transunion and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I have been trading on Coinbase for a couple months now and have about 6K in various currencies there. I went to try and sell a couple for profit this morning and have kept getting the same Account Restricted message. It states I can not buy or sell crypto and I have no idea why this would be. They ask you to contact customer support but they do not have live customer support. I have even messaged their system and verified my ID multiple times in the last couple hours to try and get this resolved but it appears to be going nowhere. I also have read others have had similar issues and their accounts being locked for months on end. I understand financial sites tend to lean on the safe side with any supposed issues but at this point with no human or even chat contact to speak with over there, I fear this is now borderline fraudulent and criminal behavior to tie up my money and prohibit me from my own research/profits I'm owed. They will simply not not let me access or sell it when I am more than willing to provide any verification or documentation in order to comply with what they need to verify my information. Yet I still get no answer? Given the amount of money tied up in there, I may even have to seek legal counsel if this is not resolved soon, but I am hoping the XXXX  and others can step in and make this right. In fact I am hopeful if enough people bring this to your attention it will proctor Coinbase ( a real time trading platform ) to get real time customer support to alleviate this confusion and frankly criminal service they are currently providing.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I initially filed a complaint with this company. I asked for information verifying the debt. I received information such as a bill and invoice information. However, I do not recall this debt in question. Now, I am asking for validation of this debt. I need a document that shows my signature stating that I owe and will pay this debt to this company. I do not recall this debt. I have attached a letter stating the information needed.