davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am tryuing to give Experian money and want to purchase Experian 's additional services. Before I do, I have questions that are not answered on their site. But Experian doesn't have the ability to have live conversations. I would like someone to call me to answer couple questions before I give them money.
Consumer complaint received 2018-10-10
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. (NV)

I have disputed these late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-10
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. (NV)

I have disputed the these late payments on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/2023 a payment of {$50.00} and a payment of {$420.00} was made to Goldman Sachs for my Apple card. Then on the XXXX of XXXX a check was issued from my mortgage company for a debt consolidation loan of {$2500.00}. However, they were overpaid by {$340.00}. I have reached out to Goldman Sachs on several occasions to get a refund for the overpayment, and every time I call, I get some excuse, like the account is under review. I called again on XX/XX/XXXX and was told that the account is under review and it could take up to another 10 days for someone to contact me. This account has never been late and I can not seem to get the assistance that I need.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (AZ)

In XX/XX/XXXXI was working for a company and making XXXX a year ; the company folded in the midst of the economy crash and XXXX here in Arizona. I had a couple of credit cards at the time that this happened. I continued to try and pay those cards but eventually I couldn't afford to do that. I stopped making payments and let the cards lay as they may. I had no choice. I didn't want to file bankruptcy but things were aiming that way. When all was said and done I didn't have to file bankruptcy as I only had one company file a judgement against me. 

I contacted the company several times trying to work out a payment arrangement with them but they chose not too do so. They continued the judgement and somehow got it by default. I was never presented with paperwork or anything until after the fact and then it was too late for me to do anything. The judgement was placed in XX/XX/XXXX. 

They then sent a statement to my employer for garnishment. They started receiving garnishment in XX/XX/XXXX. Then about 3 months ago I started thinking that I should have paid that amount off by now. I asked my employer to print off the totals that had been taken from my checks. I then contacted them in XXXX and asked them to send me a complete report of all debits and credits in regards to my account. 

I heard nothing from them at all but coincidentally the very next paycheck their garnishment was stopped from coming out of my paycheck. I then followed up with a request to receive a complete report of all of my credits and debits from my account. They told me that I would have to contact them by phone. I contacted them and they still to date haven't sent me any reports. 

According to my records I have overpaid them and they owe me money. I have read several online reports about them and this seems to be a continuing process. They hire local attorneys to do all of the intimidating paperwork and don't reply or communicate with you until it is too late for you to reply and then take old debts that have gone away and keep them alive.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since XX/XX/2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Consumer complaint received 2023-05-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The accounts Portfolio Recovery is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (DC)

On XX/XX/19 I submitted a complaint relative to Amsher Collections Services ( hereinafter " Amsher '' ) a debt collector, relative to attempts to collect a debt not owed. On XX/XX/XXXX, AmSher provided a response indicating that AmSher requested validation and billing statements from the client XXXX XXXX XXXX. On XX/XX/19, AmSher provided a follow-up response advising that their client XXXX provided validation information that the claim was unsubstantiated. However, upon review of the documents provided, the documents do not validate the information by XXXX, rather XXXX merely provided four bills for services in my namebills that I have and continue to maintain were opened as the result of fraud. The existence of the bills in my name do not validate specific information supporting the authorization of the accounts. If XXXX can not validate that I expressly authorized the opening of these accounts, then I must be absolved from further liability and they must be removed from my credit reports immediately. To date, the AmerSher collection account remains on my credit report.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

I am making additional payments and they are just prepaying future months and I receive bill saying I do not need to make payment ( owe {$0.00} ). I want to pay monthly amount and extra to principal. They show me prepaid into 2020. 

I have contacted them several times. The billing is engineered to discourage extra/early payments. It is not allowing me to make extra monthly payment in a reasonable way.
Consumer complaint received 2018-08-02
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: Southwest Credit Systems, L.P. (NV)

On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX  Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.
Consumer complaint received 2023-07-12
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (IL)

Coinbase did not send me all my money off my XXXX account, before restricting my access to XXXX. They have sent some funds to me, the funds they took from my coinbase account, but not everything. They didnt send all the money I originally had on my XXXX. I have asked for the rest of my coins back, BTC and ETH with no luck.

I have documentation to prove it attached.

Highlighted photos point out 2 things.

1 ) I have a remaining BTC balance they never sent to my coinbase account, so its stuck in limbo on XXXX right now because I dont have access to XXXX.

2 ) They took XXXX  ETH
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

on XX/XX/17 XXXX XXXX appeared on my personal credit as a collection account for {$680.00}. I have not opened an account with this company and do not owe them anything.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX weeks and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights
Consumer complaint received 2021-12-22
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There at 2 collection accounts reporting the substantial amount ( s ) of {$1300.00} and {$1200.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 6 months and I have yet to receive a debt verification letter via mail.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

On XX/XX/18, My wife and I went to the Best Buy Mobile store in XXXX, FL to change our cell phone service from XXXX XXXX XXXX to XXXX XXXX. At that time, we agreed with the terms to buy one XXXX XXXX and get the second one free. However, we couldn't finalize our contract due to a compudter problem. We were asked by the Best Buy employees to return the next day to complete our contract. When entering the Best Buy Mobile store on XX/XX/18, we were told that both of our new XXXX XXXX 's would be free due to the computer problem from the previous day. We were also told the the store would have to eat the cost ( {$690.00} plus tax ). Of course we agreed to the new terms. For 8 months from XX/XX/18, XXXX XXXX did not bill us for phones. In fact, they gave us a discount for bringing our new XXXX to the new XXXX XXXX Plan. Then on XX/XX/18, we added our daughter to our XXXX account. The phone she added was an XXXX XXXX, and was fully paid for. As a result, XXXX determined that we were not being charged for our XXXX XXXX 's, and backed billed us {$480.00} in XXXX. Before this, we were paying {$60.00} or less for our two lines. I was a bit upset that we were to pay for phones that we were told were free by Best Buy. I called XXXX XXXX several times about this, and finally talked to XXXX corporate ( Mr. XXXX, phone # XXXX ). He told me that XXXX needed reimbursed, and since Best Buy Mobile made the mistake, that they needed to give us a credit, or that they needed to pay XXXX. Then I contracted Best Buy at XXXX about what happened. Best Buy started a file ( XXXX # XXXX ), and referred me to there supervisor XXXX XXXX. For 2 1/2 weeks we emailed numerous times. Thru our emails, she told me that Best Buy Mobile mis-coded our phones as being unlocked. It is now my understanding, that after 8 months of not paying for our phones, that we are to pay 100 % for there mistake. I don't think this is not good business practice, and is why we're asking for help. We previous submitted this same complaint to the Federal Trade Commision, but they recomemded to send our complaint to you. We told Best Buy that honest mistakes do happen, and would be willing to pay something. It seems to me, if a codeing error was made, that it would have been a simple fix. Best Buy Mobile employee are experts when it come to mobile phone, why would they just say there was a computer error, and say our phone were free. If you need any additional information, I'm available. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, phone # XXXX
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.