davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Student Loan Solutions, LLC (KS)

Student loan solutions LLC bought a portfolio of time barred debt from XXXX XXXX XXXXXXXX in XXXX. Most all of the loans they bought were from XXXX and XXXX. They are now suing the borrows in court over debt from 10+ yrs ago trying to get default judgements. In all the states they are suing on time barred debts. I had a loan with XXXX XXXX XXXX in XXXX. It was charged off in XXXX and my last payment was in XXXX. I receive a letter from XXXX XXXX XXXX XXXX XXXX out of XXXX KS in XX/XX/XXXX saying I owed {$6000.00}. I sent them a letter saying I contested it and wanted more information. They sent me a notorized letter from Student loan solutions stating the amount due, the date of the charge off ( XXXX ) and my last payment ( XXXX ). It also included the bill of sale from XXXX XXXX XXXX with no identifying information that they bought my loan but was dated XXXX. There was a affidavit from student loan solutions saying the terms of my loan and that XXXX XXXX XXXXXXXX often sells these loans. Again no identifying information. Copies of the original note. I received a court summons on XX/XX/XXXX that Student loan Solutions was suing me for the amount owed and I had 14 days to reply to the summons and a court date of XX/XX/XXXX. I hired an attorney as its a violation of the FDCPA yet they are being allowed to do it all over the country. Its against the Fair Debt Collection Practices Act for a debt collector to sue me for a time-barred debt and a violation of my consumer rights.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (AR)

The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Consumer complaint received 2021-12-29
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. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 between XXXX and XXXX am, we transferred two amounts of XXXX from XXXX exchange to Coinbase Pro, so we could withdraw money to buy groceries for the family. Being forced to trade currency to survive since the US government has given up on America and we are all trying to survive after congress and their minions imported Covid from XXXX. 

We received emails from Coinbase proving our XXXX arrived into our correct account, where it also shows as a deposit. We have verified it has the necessary transactions to become available but has not been placed into our control, even 6 days later, preventing our family from buying food which we need. 

I emailed their support 2 times and no response after 6 days. No other support options. 

We want to remove all our money from coinbase but are afraid the money we have in USD will be stolen from us by Coinbase and not transferred to our bank, since this is the second time Coinbase has withheld our capitol from us without cause. 

We are seeking help from the government to help us get our money from Coinbase so they don't steal it as we are reading they are withholding many peoples money in reports on XXXX and other sites. 

Do we also need to file complaints and seek help with the SEC?
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX ACCT 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.
Consumer complaint received 2021-12-29
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. (IL)

FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I pull ; ed my credit report today and I see a bunch of credit inquiries on my credit report that looks fraudulent because I did not make them and I did not authorize anyone to pull my credit report. Please review the following inquiries for identity theft : Someone did all of these on XX/XX/2021 : XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXXXXXX XX/XX/2021 Equifax Soimeone did all of these on XX/XX/2021 : XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX- XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax Someone did all of these on XX/XX/2021 : XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

In accordance with the fair credit reporting act This creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604a section 2 it also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15usc 1666b a creditor may not treat a payment on a credit card account Under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I went to use my card. I had a balance of XXXX and was declined. Turns out someone got ahold of my credit card number, I still have the card in my possession, a fraudulent charge made of XXXX and they left XXXX on the card. I called Vanilla customer service and received the dispute packet and submitted back on XX/XX/2022. The rep. told me the charge was from XXXX. I locate the website and sent an email to customer service. I received the email back which appears not a legitimate company. After I submitted the dispute packet to Vanilla, I received an an email stating Please allow time for the processing of your dispute. The entire cycle can take 45-90 days, however, some cases are resolved before then. I called in 45 days and was told still working on case. I called on XX/XX/2022 and told by end of business they will have the results to call back the next day. I called back on XX/XX/2022 and the rep tells me still working on case to call back in 3- 5 business days. I told her this was to be already resolved since it is more than 90 days. I was already told to call back and I have and now this case is in my favor, the email specifically states 90 days. She stated needed more time and hung up.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (GA)

On XX/XX/20 I asked my bank, XXXX to reverse charges for XXXX shoes. On XX/XX/20 Xero shoes refunded my money in two parts. XXXX then reversed my dispute and rebilled me for the original transaction. Paypal says that I owe them since they did not receive the reversal of the dispute nor the rebilled. I have spoken to Paypal many times including having one of their Representive speak with a XXXX Representative. The XXXX Representative told PayPal that I do not owe PayPal anything because the money was sent back to Vendor 's bank account. Therefore the issue is between PayPal as the processor and the Vendor 's Bank. The amount PayPal says I owe is {$100.00}
Consumer complaint received 2021-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP (TX)

I have a VA Loan with XXXX XXXX. I was told by a support agent at XXXX XXXX that a XXXX ratio of 80 % or less was required for a waiver of the Escrow requirement. On XXXX I submitted a signed, written request to their Research Department to waive the Escrow requirement. I received a letter in XXXX indicating that an analysis was completed and my XXXX ratio was 172 %. The industry standard for calculating the XXXX ratio is based on the Loan Balance/Home value. Per their website and my calculations the correct XXXX ratio is XXXX = 39.74 % which is well below the XXXX XXXX threshold for an Escrow waiver. I contacted XXXX XXXX online and over the phone numerous times between early XXXX until now in late XXXX to resolve this issue to no avail. I have requested to speak with the Escrow research department and to speak to Supervisors and was rebuffed. I was told supervisors would contact me by phone and this never occurred. On my last attempt which occurred on XXXX, I asked the support agent to tell me how the XXXX ratio was calculated and was given conflicting information. I was told it was based on the Loan balance and Home value and then I was told it was based on Original Loan amount and Loan balance. I was then told I could not be provided how the XXXX ratio was calculated. I was also told that the VA requires an Escrow account. I verified that this is not correct with the VA Department. I have been left with no other recourse than to request assistance in this matter by the State of New Jersey Department of Banking & Insurance. Thank you in advance for your assistance.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Recovery Group, LLC (TX)

Good afternoon we have attached the fraudulent account number it is XXXX When were first contacted Consolidated RCVY GRP in early XXXX we told them that the customer that we did work for committed fraud and a other felonies by having us to do the work and not paying us and then this same customer contacted XXXX XXXX XXXX the ( Original ) Debt Collector that they never received the services that we provided which is a lie XXXX XXXX XXXX attempted to collect {$8100.00} but however the original amount was {$6500.00} they received a cease and desist order prior to all of this from collections and reporting it on our personal and buisness reports for all of the 3 major credit bureaus and they still disregarded the law and the Original Cease and Desist Order that was emailed and mailed to them and yet Consolidated RCVY GRP still illegally put it on my credit report this company even made it look like it was a new debt that was being collected in XXXX of XXXX and this account is more than 3 years old and fradulant something needs to be done about this it was perpetrated by a customer so that they would not pay a debt that they legally owed to XXXX XXXX and we feel that Consolidated RCVY GRY and XXXX XXXX XXXX are equally responsible for illegally trying to collect money that this customer rightfully owes to our company Cosolidated Recovery Group XXXX XXXX XXXX XXXX allowed a customer to fraudulently say that they never received services and they did we even went as far as to send proof that work was done to XXXX XXXX XXXX but no avail Consolidated RCVY GROUP needs to be fined and or jailed and sactioned by the United States Government from doing any form of collections or collection referrals this company does not follow the law at all and people need to held accountable because they are committing fraud against me and my company.We have have attached the legal and binding Cease & Desist Order for Conslidated Solutions GRP please reference the date of the order they are violating.
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (PA)

A validation of debt letter under Fair Debt Collections Practice Act was sent to LVNV Funding LLC but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from LVNV Funding LLC is considered fraudulent and invalid. I also attached a copy fo the certified receipt
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion Customer Service/Fraud Department regarding inquiries, not authorized. I spoke to XXXX he was very rude and refused to assist.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX  ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXXXXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ; Ph : XXXX ) sent me a letter on XX/XX/XXXX stating that I owe {$49.00} to XXXX, and they are a debt collector company acting on behalf of XXXX. I called and spoke to their customer service agent XXXX XXXX on XXXX XXXX at XXXX XXXX EST. The details mention that I opened XXXX internet and cable connection in my name and social, and I owed {$49.00} since XX/XX/XXXX. The address on file was not known to me, when the XXXX connection was originally initiated, and it is in a different state ( XXXX, NY ). Honestly, I never opened an account with XXXX and this company demanded I file identity theft police report, and hand it over to them to dispute the charges. I do not understand how this company operate, and so I would like to start an investigation in this matter since my SSN in now compromised per letter from EOS CCA. I would be willing to submit any documents or proof that will help with this investigation.
Consumer complaint received 2019-12-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (PA)

Company : Coinbase Issue : After creating a brand new account and following the directions provided by Coinbase, I received a notice that my 'buying ', 'selling ', and ability to transfer money were all disabled. It's strange because I have no debt, plenty of funds in my checking account, and a clean financial record. I asked Coinbase support for an explanation and was told that- they can not provide an explanation and can not elaborate on internal decision making. 

Luckily, I have no funds in Coinbase - but I can't imagine this happening if I had actual funds linked to a Coinbase account. Coinbase needs to provide some level of transparency. I would like Consumer Finance to review Coinbase 's user agreement and suggest recommendations on how to protect users from Coinbase 's ability to shut down accounts at random.
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: AmeriCollect (PA)

A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.