davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (SC)

I received documents I requested from National Credit Adjusters on XX/XX/XXXX. After calling them to inquire about their dispute process I was spoken to in a very rude manner. I also contacted the original creditor XXXX XXXX on XXXX XXXX, XXXX @ XXXX XXXX  XXXX XXXX. I was told the account number National Credit Adjusters provided to me, XXXX, on the mailed documents didn't match my name. The mailing address on provided documents is an address I haven't lived at since XXXX. The amount attempting to be collected is XXXX. XXXX which is reported on all 3 Credit Bureaus but the documents provided that they gathered from XXXX XXXX says XXXX. XXXX. South Carolina, the state I have lived in since XXXX, has a law pertaining to payday loans ( Amount questioned {$800.00} violates South Carolina Law Section 34-39-180 ( E ). Max is amount allowed per SC law is {$550.00}. It is also required that a borrower was presented withan extended payment planfor a 12-month period in case of an inability to repay a deferred presentment transaction.The referenced payday loan was supposedly granted XXXX, XXXX but 2 hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I have notified both parties National Credit Adjusters and XXXX XXXX with absolutely no resolution.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (VA)

I purchased a pre-paid Visa card in approximately XX/XX/XXXX. I tried to use the card in XX/XX/XXXX. When the card did not work, I contacted Gift Card Mall, the issuer of the card. Gift Card Mall opened a case which determined the card was used in XX/XX/XXXX, more than two years before I opened the card. Given the time that has elapsed since the card was used, Gift Card Mall is unwilling to resolve the fraudulent use of the card.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

On XXXX XXXX XXXX, I sold executed a sell order for XXXX Litecoin ( LTC ) from my account with Coinbase. The sell order was for a USD equivalent of {$1500.00} which was to be deposited via wire into my verified, personal bank account connected. The sell order status ( and associated wire ) are both reflected as 'completed ' on Coinbase, however ; I have not received the USD funds in either of my Coinbase or personal bank account. After checking with my personal bank to determine whether they may have rejected a wire and confirming that no wires were received, I submitted a support case to Coinbase on XXXX XXXX XXXX. The support case went unanswered for 17 days until on XXXX XXXX XXXX I received a message saying that the issue had been investigated and was being addressed, but without any details on the timeline for resolution. As of today, XXXX XXXX XXXX I have yet to receive the funds or any follow-up message regarding the path or timeline to resolution. My understanding is that Coinbase is a U.S. based entity with approval to operate under the oversight of state and federal regulators. With this being the case, I expect that customer support be sufficient to handle errors and resolve inquiries much faster than the nearly 30 days that this issue has remained outstanding ( and open within the Coinbase case system ).
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a remaining balance due to XXXX that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency Trans Union, I paid XXXX to Trans Union to pay these Theo loans off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois Student Loan Commission has remover the default from my credit and shows my payment paid. XXXX refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan.

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted.

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer.

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) cordially XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting me late for the month of XX/XX/XXXX. This is a complete error and violation to my FCRA rights. I have attached a screenshot of the late payment reporting on my report. 
I have also attached my Chase credit card statements for the month of XXXX, XXXX and XX/XX/XXXX. My payment due date on this account is the XXXX of every month. If you scroll down each statement to page 2 or 3 under " Payments and other credits '', you'll see that I have made a payment on time for XXXX, XXXX and XX/XX/XXXX. Here are the exact dates I made the payment as stated on my statement attached : XXXX : payment of {$78.00} made on XX/XX/XXXX XXXX : Payment of {$110.00} made on XX/XX/XXXX XXXX : Payment of {$150.00} made on XX/XX/XXXX The late payment that Chase is reporting is inaccurate and is causing a lot of financial damage to me and my family. Please delete this late payment immediately.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX between XXXX and XXXX I requested to close my XXXX account. Two weeks later my account was still open and they said I have a balance due. I pay the balance and requested my account to be closed. About Two weeks later I received a new bill. The bill stated that I owe {$60.00} when I logged in to pay the bill the bill total was {$68.00}. I paid the bill the reference number is XXXX. I asked XXXX to provide proof that my account was closed and they sent me an email That did not represent XXXX. I told them I would like to close my account and every time I wanted to close my account they added a new bill. I paid the new bill and they never close the account dragging it for two months. This has caused me a large amount of stress I even stressed to XXXX that I do not want my stuff to go to a collection agency so I would like to pay everything and close my account. I received a bill on XX/XX/2021 and on XX/XX/XXXX, my account was sold to a collection agency which is less than 30 days and I am really confused because the bill was paid. The manipulative tactics they used on me for two months as I beg them to close my bill. This Has caused me so much stress to where I cant sleep or eat I am always thinking about why my account is not closed and why wouldnt they close it even though all bills were paid and nothing was the due. Every time I requested to close my account they added a new bill. Ive been requesting to close my bill from XX/XX/2021 to XX/XX/2021. Why does it take two months to close an account upon request even though account is paid in full? I it is unfair manipulative and deceptive for XXXX Not close my account on XX/XX/2021 and drag my account for two months forcing me to pay What I dont owe In order to close it. How do you send me a final bill on XX/XX/2021 and it was sold to a debt collection agency before XX/XX/2021? Im really confused and I think this is very manipulative I am literally XXXX  because of XXXX. When I called XXXX close my account, they asked me if I would recommend this service to friends and family and I told them no and They falsely made a debt and sent it to the collection agency a few weeks later.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

In 2019 my wife XXXX and I started a XXXX XXXX XXXX in XXXX, using Chase for our XXXX checking account and merchant services ( credit card point of sale. ) As our XXXX grew we went from a few hundred dollars a day sales to over {$5000.00} per three day week average. 

This month we moved into a larger location in XXXX, and on our first day XX/XX/XXXX we made {$12000.00} credit card sales. XX/XX/XXXX {$12000.00}. XX/XX/XXXX {$6500.00}. 

I noticed that week that the money hasn't gone to my checking account as it usually does. I called to register my concern Thursday XX/XX/XXXX. 

XXXX XXXX I spoke to someone in the risk management department that said it had to do with us having much more sales than previously. They said they were going over the transactions. 

The night of the XXXX we got an email saying that those first three days of XXXX all sales had been canceled. I have confirmed with some of my customers that they were not charged. 

The best Chase has managed to do is tell me to get all my customers to come back in and charge them again. While that would be embarrassing, I could do it for some of my repeat customers. However many of our customers walk in and buy something and I never see them again. Either way the implication that this is my responsibility is absurd.
Consumer complaint received 2023-05-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

plan a vacation one week in XXXX XXXX, a week before departure had an accident, contacted travel agency, airline credit card company, the gave me the impression that they will consider taking care of the problem. they did not. I did communicate both mor than 3 times, no obey. departure past the travel company ask the airline to make an action that a " no show '' will kept the travel agency not liable to refund the ticket nor change the itinerary to another date even if a penalty that I was willing to pay with no hesitation. purchase the seats and the airline gave me credit for them for a further travel. purchased an insurance, with the same travel agency thru a third party, after they knew I was not able to fly, they did refund the insurance fee. The credit card company took my claim, did processed and fail to get the refund, and gave me no hope to recover the plane tickets nor the money not even think about miles, reason given the card is sponsor by an airline not involved in this mess. At the end the credit card company gave me no valid reason after deceiving and untrue letters from the travel agency suggesting and asserting that is my fault all alone and just forget about it, and on top of that that stuff happens and I get to give money away because '' it is difficult to deal with these kind of merchants and the economy is bad, and no worries you still have / {$21000.00} credit with " Us '', just. keep paying ( {$2100.00}, {$800.00} emergency services. {$1500.00} paid vacations, plus the highest interest on top and keep cool!!. All I ask was open tickets to the same destination at my convenience with a fair fee in good faith, that's all, just deliver what I prepaid!. 
thank you, respectfully The Deceived Customer.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (WI)

I have a previous complaint against this company that is now closed. XXXX. After my last complaint, the company closed both accounts and removed the negative marks form all 3 credit bureau 's. Last week both accounts reappeared on my XXXX  credit report. The amounts are {$120.00}, and {$640.00} for XXXX XXXX.
Consumer complaint received 2023-04-09
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MS)

I have attached supporting documents. In XXXX, I submitted a borrower defense application to cancel the Navient student loans I had from attending XXXX XXXX XXXX XXXX the student loans defaulted in XXXX. I have not made payments on those loans since XXXX. Navient kept placing the loans into forbearance without my consent stating it was automatic forbearance due to the covid 19 pandemic. After the multistate settlement was complete, Navient refused to cancel those loans stating the loans defaulted in XX/XX/XXXX. I have attached supporting documents and emails to prove that Navient purposely placed the loans into forbearance to prevent cancellation, my last payment on those loans was in XXXX. The borrower defense application was recently approved for my federal loans from XXXX XXXX. The attached documents prove the private student loans with Navient qualified for cancellation under Navient AG Settlement, which qualifies for cancellation if loan had 7 consecutive late payments or default. instead of cancelling the loans, Navient keeps reporting the student loans as " charge off '' on my credit report. Ive also attached a copy of Navients representatives response to my complaint to the TN attorney generals office, she falsely claims the loans were not cancelled because they did not default until XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I sent Debt Recovery Solutions a certified letter on XX/XX/2020 which was received on XX/XX/2020 asking for verification of this debt, they have not responded to my request but continues to report this unverified debt on my credit report. This debt does not belong to me and I want it removed.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Someone unknown to me opened a Sears/Citicard account in my name on XX/XX/XXXX and had the statements sent to an address not mine. In XX/XX/XXXX I began receiving aggressive collection phone calls at my home phone involving relentless ( and unsuccessful ) attempts to extract my social security number from me. After requesting documentation and providing my actual mailing address, I received a cover letter from Citicorp along with months of Sears statements. I phoned Citibank to report the fraud and was met with further insistent and suspect demands for my SSN. The phone call was fruitless. I mailed a letter to Citibank ( at the address on their cover letter ) and to Sears detailing the fraud and the unsettling phone calls, with a copy of Citi 's cover letter and the Sears statements. The letter to Citicorp. was returned to me " return to sender, not deliverable as addressed, unable to forward ''. There has been no reply from Sears. I now have received a new current statement from Sears, and an offer from Citicards to settle the {$860.00} account balance for {$210.00}. I have filed a dispute with XXXX, and am mailing them a fraud alert request today.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On   XXXX   XXXX  ,  2017   , I had given a friend of mine my debit card to temporarily use. He had informed me that there was going to be a lot of transactions and deposits going to my bank account, and also asked me for my online banking login information. He told me not to worry and assured me that everything would be fine. Taking his word, I did not worry at all, although I was observing his activity from the online banking system.     The next day, I received some text notifications from my bank that my checking account was placed on a restriction due to the amount of activity associated with it. Not worried too much by it, I contacted the bank and cleared the restriction. Before the day had concluded, my online banking access had been completely revoked.     On   XX/XX/XXXX , I had co ntacted my bank to ask if my paycheck from my job ( which was direct deposited on that day ) was in my checking account. They told me that it was, but I would not be able to receive it due to checks that my friend had deposited to my checking and savings being considered counterfeit. They told me to give them until the   XX/XX/XXXX  to th oroughly look at the checks to see if they were real or not.     When the     XX/XX/XXXX  came aroun d, I had contacted in the early evening to learn that the checks were returned and that the only available funds out of both my checking and savings was {$290.00}. They also provided me the process for how to receive the funds.     The next morning, I went to a banking center to withdraw the above mentioned funds from my checkings while distraught by the realization of all that happened within that short couple of days.     I did n't learn of my accounts being officially closed until I went to a banking center  on the  XX/XX/XXXX  attempting t o clear a small negative balance in my savings account.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The current balance on this loan is {$1900.00}. It needa to be corrected. Additionally they have threatned to send to collections EVEN though i make payments every month. Their rep specifically stated that as long as i pay toward the balance each month of {$20.00} or more it wont be sent to collections. I have been doing this. I have struggled to pay on time since having XXXX XXXXXXXX but im still paying monthly.
Consumer complaint received 2023-07-27
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. (PA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.