davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT
Consumer complaint received 2016-01-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MI)

On XX/XX/21 I received a conditional approval for my refinance. I provided all requested information on my part timely. I signed a waiver that an appraisal was not needed and then 4 months into the process I was told one was needed. 4 1-2 months into the process my credit report had to be run again since the mortgage company took so long. Mortgage company then said they needed additional information from my husbands employer this was provided timely and then three weeks later after being told via email it was ent to underwriting it was not. Now I am being asked for a certificate of engineering which as far as I k is I do not have. I have spent countless hours in the phone and via emails with Newrez without response from anyone for weeks at a time. I have asked supervisors to call me and they do not. It has been 6 months and my refinance is not closed. This is my current mortgage company I am trying to refinance with. I have excellent credit and have always paid my mortgage on time. If requested I will provide the 80+ emails I have sent and received from Newrez
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have disputed illegal inquiries on my Equifax report and received a response dated XX/XX/21 that all of them were verified. None of the inquires included proof of their validity. Furthermore, I have attached letters from the companies XXXX XXXX, XXXX and XXXX XXXX stating that their inquiries will be removed, but Equifax sent me results with completely different information than what was given to me by the actual companies. This is another issue of Equifax not truly investigating my request and just sending me an automated response without looking into my issue. I have three seperate inquiries from one company whom I have never heard of before, XXXXXXXX XXXX XXXX. I am curious to see what information was received from the company verifying these inquiries which I have never been provided. XXXX XXXX has stated that they do not put inquires on accounts, yet one is on my Equifax acct on behalf of this same XXXX company. I have attached Equifax 's results also. I am still disputing with XXXX XXXX XXXXXXXX, as I have yet to receive actual verification that this inquiry is mine from the company nor Equifax.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$390.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (TX)

I, XXXX XXXX entered into a consumer credit transaction with Ally Financial a consumer credit transaction in which a finance charge was involve. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is suppose to include insurance, but Ally Financial made me purchase insurance separately. Also, I sent Ally Financial a cease & desist and they are still calling and harassing me.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (WA)

Am making a report because a collection company is trying to make me pay a amount that I don't owe Someone is Using my information And they Said that their gon na have my license suspended I berly started driving so idk how they got my information when I reported my information as someone using my information And keep sending me papers
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith, Cohen & Rosenberg LLC (NC)

On XXXX XXXX it was brought to my attention by a family member that I should check my email for a collection notice. XXXX XXXX from Smith, Cohen Rosenberg LLC sent an email stating the following : Balance : {$1500.00} File # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, The above-named creditor has assigned to us your account for immediate collection of the balance in full. 

Please contact this office immediately so that arrangements may be made and any further action, including credit reporting of this debt may be stopped, or send a certified check or money to the address listed below. 

Unless this account or any portion thereof is disputed within 30 days from receipt of this notice, we will assume this debt to be valid. If you dispute this debt or any portion thereof within this 30 day time period we will furnish at your written request, a verification of this debt, or the name and address of the original creditor. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

I informed her that I would look into the matter since I was unaware of the referenced outstanding debt. After looking into the matter I discovered that I had indeed made payment for services rendered, in the form of a check. I notified XXXX of this via email and she responded with the following : Hi XXXX, Please see attached invoice. You did authorize the service on XX/XX/20. Your check # XXXX for {$1200.00} bounced. 

I do realize you and XXXX are not together any more but our client XXXX XXXX still deserves to be paid. 

We take MC or Visa debit. 

Please advise how you want to pay this. 

I then went back to look into my bank statements for any NSF submissions. There were no checks, including # XXXX ever submitted and returned NSF. Additionally, check # XXXX was actually never presented for payment according to my bank history. I informed XXXX of this fact and she subsequently responded with the following : XXXX, According to our client, you had promised them to send ck # XXXX for {$1200.00} but you never did. 

The balance is valid and owed by you and XXXX XXXX. 

We take ACH, MC or Visa debit. 

How would you like to pay? 

I have informed XXXX that the debt did not belong to XXXX XXXX as I had requested the service for a home that I was the sole owner of. I also informed her that the payment was made in the form of a check that I directly handed to the service tech upon completion of the work. 

I have asked that she stop contacting me because I have provided payment in an acceptable form to the company and it is not my problem that they failed to present the check for payment.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NC)

back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.
Consumer complaint received 2021-07-26
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. (CA)

I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.
Consumer complaint received 2021-07-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (NJ)

Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter by Bank of American in XXXX XXXX that my account was being closed and within 2 weeks I would receive via check the current balance. I knew the account was closed earlier because I couldnt have access to it. I have talked to customer service agents at branches and also by calling the 1800 number and still today XX/XX/2021 havent received my money.
Consumer complaint received 2021-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

Starting in XX/XX/2020, XXXX and I notified Fedloan Servicing that the Loan was forgiven on XXXX XXXX. Official notification was provided in writing notifying them of XXXX decisions as well as multiple conference calls with them and the previous loan provider directing both of them to process the loan write off. Fedloan Servicing has declined multiple request to process the request and continue to report this as a active loan to all the Credit Agencies. Multiple managers with Fedloan Servicing have committed to resolving this issue and communicate back with me with specific timelines. They have failed to meet their commitments .The government agency XXXX advised me to file this actions.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 U.S.C 1681 XXXX Date Opened XX/XX/2020 reporting different late payments with each credit bureau there should not be reporting any late payments 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2024-04-14
Product: Credit 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: Avant Holding Company, Inc. (FL)

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! I immediately reported and disputed these fraudulent charges to Avant when I found out. 
However, Avant never bothered to do a " real investigation '' and did not credit my account with permanent credit for these unauthorized charges. 

I did not realize until today that Avant continued to automatically debit payments from my checking account for all these months, including paying for perpetual accrued interests on these fraudulent transactions. I vehemently dispute these transactions and I wish to immediately close down this credit card and will be reporting them to proper government agencies and authorities should they not permanently reverse these unauthorized transactions totaling $ XXXX to my account. 
Avant has financially abused my account and this is not right. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

Subject : Inaccurate Reporting and Lack of Notification Regarding Debt I am disputing the inaccurate amount reported by the collection agency, which does not align with the actual companys records. Additionally, I was not properly notified of this debt until XX/XX/XXXXXXXX, despite the service being rendered in XX/XX/XXXX. I request validation of this debt. ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), which states : " A consumer reporting agency shall, upon request, provide an itemized statement of the nature and amount of the charges for the requested disclosures under this section. ''
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (VT)

Good Day sir/Ma I'm XXXX XXXX, i'm XXXX years old, I live in XXXX XXXX XXXX XXXX Vt. 


I'm writing you regarding the restriction placed on my Coinbase XXXX, XXXX account. 



I deposited {$8500.00} into my Coinbase account on XXXX of XXXX Thursday. 



On the XXXX of XXXX Friday i found out Coinbase XXXX , XXXX, had restrict my account at their earliest convenience without notice. I opened a support ticket and i haven't gotten any response yet. 


Case number a-signed to me by Coinbase XXXX, XXXX Case # XXXX. 



Case # XXXX - Restricted. 


You can follow my case with coinbase with this case number. 

I'd like you to help me with my request. 



Regards.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (WI)

I HAVE A PREPAID CARD WITH RUSHCARD/UNIRUSH. I HAVE BEEN UNABLE TO ACCESS MY FUNDS SINCE XXXX/XXXX/15 AND HAVE NOT BEEN ABLE TO GET IN TOUCH WITH THE COMPANY. WHEN YOU CALL ANY OF THE CONTACT NUMBERS FOR THEM THE LINE RINGS AND HANGS UP AFTER BEING ON HOLD FOR HOURS. WHEN I DID FINALLY GET THROUGH LAST FRIDAY XXXX/XXXX/15 I WAS TOLD MY INFORMATION HAD BEEN COMPROMISED AND I NEEDED TO ORDER A REPLACEMENT CARD WHICH WOULD BE XXXX TO BE EXPEDIATED. THE SYSTEM HAS BEEN DOWN SINCE THE XXXX SO NOT SURE HOW THEY WERE ABLE TO DETERMINE THAT. I PAID THE XXXX FOR 1-2 BUSINESS DAY XXXX SHIPPING AND HAVE NOT RECEIVED THE CARD YET. WHEN I CALL TO TRY AND GET A TRACKING NUMBER THE LINE DISCONNECTS. I HAVE READ ONLINE THAT OTHER PEOPLE HAVE RECEIVED REPLACEMENT CARDS THAT CA N'T BE ACTIVATED AND THEY CA N'T REACH THE COMPANY TO GET IT FIXED.
Consumer complaint received 2021-07-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (VA)

In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. 

I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. 

The debt is now over 10 years old. The collection companies know that this is past the SOL.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I notified the Equifax via/ dispute that they are reporting my personal info and address inaccurately via/ signature required registered mail several times but did not get no cooperation from Equifax to use the many ID and documents provided to them to correct their file, I filed a complaint with CFPB on XX/XX/2021 complaint number XXXX, the company have done nothing to correct their report and still as of XX/XX/2021 are reporting my personal info such as date of birth and addresses which these inaccurate personal info are linked to several accounts from same provider, out of those the most recent account # XXXX and account # XXXX that are linked to the inaccurate personal info are still being reported as accurate .some of these account shows good report that are 5 or more old but just now as of this month have appeared in the report, I have been refused getting the free annual full credit report but they are forcing me to become a monthly based service fee as member in order to see my report, I am not able to refinance my house because of their refusal to correct their file.
Consumer complaint received 2021-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (CA)

XXXX bank have my XXXX  and the amount I paid on monthly basis was XXXX. There was a credit on my account for {$1500.00}. Total loan amount was {$94000.00} and XX/XX/XXXX, when I refinanced the loan my refi bank paid XXXX {$95000.00} Including all the closing cost that was required. To date XX/XX/XXXX XXXX has not sent a final statement All I received is a check of {$160.00} with out any explanation of how my credit was applied towards the account. I have spoken with bank customer services and no one is giving me a straight answer. 

XXXX : XXXX XXXX Loan Started in XX/XX/XXXX {$94000.00} Credit as of XX/XX/XXXX on XXXX account {$1500.00} Loan closed by REFI XXXX with amount {$95000.00} Received a refund of {$160.00} without any explanation on closing statement. My new lender shows XXXX was paid off with all the associated closing cost.