davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

I paid the debt on XX/XX/2020. I was told that I could pay XXXX which i order XXXX and that the XXXX was sufficient to close the account and to receive a paid in full. Before, I paid for this I specifically asked that I would be receiving an email stating this. She said it would take 48hrs for me to receive this. I called again on XX/XX/XXXX since I never received an email. The lady that I spoke to said that she would request another email sent to me. On XX/XX/XXXX or XX/XX/XXXX I called again since I never received anything. I then spoke to a representative by the name of XXXX XXXX and she said that she would request another email since it didn't show on her end that anything was sent. I called again today, XX/XX/XXXX on the update since I haven't received anything. I spoke to a lady by the name of XXXX XXXX who said that I could request another email being sent. I told her that this was unacceptable then she backtracks after I asked to speak with a manager that an email was sent on XX/XX/XXXX, which was a lie since I haven't gotten anything from this company. I then asked to speak with her Manager/Supervisor. XXXX XXXX, the manager, then asked me if I wanted to request another email. I told her no, that it has already been 6 days, She then backtracks and says that it takes 30 days, but just minutes before she confirmed that it would take 48hrs max for me to receive this. These folks are telling people false information from the get go. I then say, well how come every representative i spoke to including yourself stated that it takes 48hrs. She backtracked and said that the information her representatives is not true, but prior to this she stated the same 48hr rule. These guys are as unprofessional as it gets and I would want my money back if not that letter.
Consumer complaint received 2019-01-25
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. (CA)

XXXX  XXXX XXXX listed a 30 day late payment on my credit report for XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30 day late payment from my credit reports.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On approximately XXXX the XXXX My account on Coinbase was attacked. Coinbase 's security was flawed where there was no measures to secure and make sure that I was the one withdrawing funds from my account. I had measures set up for security but still bitcoin was stolen from my account. I have tried to make contact from this company and financial institution from XX/XX/XXXX to present day.. As of XX/XX/XXXX they have updated their service terms. I can not get in contact with anyone. and their phone system has no live agents or any support whatsoever. during this attack on my account I tried to call them and prevent the transfer from going through and stop before the transaction was veririfed through blockchain. They failed at every turn to protect my property and blamed me, days after their ticket system sent a generic reply. It was stolen directly from coinbase pro coinbase 's exchange where you trade crypto. not from my coinbase account. there were no security measures to ensure safety and when i called them the only message received was if you think your account has been compromised hit this number. I did and in turn my account locked me out of it but allowed someone to steal funds. in an email transaction they said it was my fault and didn't care to fix the problem and said it was minutes before i locked my account. this is total bs. it's been over 60 days they have not tried to resolve the issue and closed ticket and blocked email communication from their servers so when i send an email it is blocked. Also the first coinbase wallet i opened no longer has access and i can not retrieve a password this service financial institution is not protected in any way and I demand i receive my funds back immediately. They also use deception and go offline during major market movements and deceive the public so the market price is not the same in their trading. as i have provided images to prove that statement. I have had a lot of grief due to coinbase and I want my funds immediately as at the time of theft it has increased in value as well, and I have needs to be met immediately.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC (CO)

XX/XX/XXXX the balance was paid off in full but their website shows I owe but {$0.00} and says if I dont settle {$0.00} its going to report me to credit bureau . Id like to close my account because the balance is XXXX but they wont let me because the glitch on the app that says I owe {$0.00}
Consumer complaint received 2022-08-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 2020-02-06
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: Designed Receivable Solutions, Inc. (CA)

XXXX  is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

XXXX  is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from DESIGNED RECEIVABLE SO that was sold by XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXX XXXX : {$190000.00}
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (TX)

I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus XXXX is reporting XXXX XXXX acct # XXXX Equifax is reporting XXXX acct # XXXX This information is incorrect and should be deleted by the remaining bureaus
Consumer complaint received 2020-02-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (GA)

My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STATE FARM BANK, FSB (MO)

When I bought insurance from State Farm I was solicited to get their credit card. At the time, the " auto-pay '' was never established so the card has not gotten much if any use. 

I called on XX/XX/19 to deal with a problem on my auto/home insurance billing. I was repeatedly transferred to the banking operation who insisted on verifying my identify requiring my full social security number. After the 7th transfer, and all manner of apologies, the last person took offense when I refused and hung up on me. 

I sent an email complaining of the poor service and indicating I was considering ending my relationship with State Farm and asking for information on cancelling the card if they were going to continue to provide this poor service. 

I never received a response to the complaint. I did however about 10 days later receive a form letter indicating they had closed the account " on customer request ''. I immediately called and indicated that we didn't want to do that. They have steadfastly refused to correct this, requiring a new credit " hard pull '' and a new application. 

It is very difficult if not impossible to deal with the auto/home insurance customer service without being stuck dealing with the banking side. And I find the banking side to be extremely difficult, and in one case, rude to deal with.. 

On XX/XX/19 when I called, I spoke to a supervisor " XXXX '' who indicated he would get back to me on XX/XX/19. I never received a call back or any other form of communication. I followed up on XX/XX/XXXX, was transferred again 4 times to get to a 2nd level supervisor. I was repeatedly told ( by all 4 agents ) that they couldn't access my information because " that was a different department '' or " they didn't have access to that information '' etc.
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I sold my home in XXXX of 2018. I've been waiting for escrow reimbursement circa {$1800.00}. I've called several times and have not been paid the overage. Ditech advised that they would send me a check and I still haven't received it. 
I've tried to escalate and was told they sent the check to the property address even after I supplied my forwarding address. I have been unable to reach anyone to resolve the issue. Ditech has been unfair and deceptive to say the least. The house was paid off in good faith and I want the money that I have paid into escrow that is owed to me.
Consumer complaint received 2022-08-18
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hillcrest Davidson & Associates (CA)

The representative has been calling me after I told him not to contact me anymore. I told him that the debt was invalid. Sent him proof via email and he repeatedly calls me. He even is calling at XXXX and XXXX. I have sent numerous emails to him to stop contacting me and he won't stop.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

The payment was due XX/XX/ and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX and Im submitting this 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX and Im submitting this 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (IL)

applied for a Crdit Card. I was approved with a {$190.00} program fee and a reduction of credit limit by {$100.00} upon receiving card. That is a {$290.00} fee after a credit check is ran and my XXXX is dinged. No prior insight on such before applying. PREDATORY. ... I was shown on XXXX XXXX for a good approval odds on a Debt consolidation loan. Applied, my FICO was hit, only to find out its would need to be secured with a title to a vehicle. " Title Loan '' no prior insight on this before my XXXX gets dinged again and the terms are released. " PREDATORY ''. This type of marketing is geared to poor or good credit. Information on this should be clearly visible and advised prior to running a hard inquiry. I believe soft inquiries should only be completed on this.
Consumer complaint received 2019-09-17
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. (IN)

Multiple loans with XXXX reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to XXXX explaining I was receiving unemployment and could not afford to pay my loans during this time.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC SYSTEMS INC is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. IC SYSTEMS INC is  reporting invalidated information on my credit reports, this action might constitute fraud under both federal and state laws.
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (OH)

I have ( 2 ) loans with One Main Financial in XXXX, Ohio. I have been paying this loan for several years and the interest rate is very predatory. Another problem I am having with this company is that One Main Financial will call me every day harassing me on when Im making my next payment after the monthly payment has been made! One Main financial has flooded my voicemail to the point I cant receive messages! This Harrasment has been going on for 8 months..I have already spoken to the County Prosecutor and will be pursuing further action. Im Ohio this is called telephone Harrasment XXXX XXXX I will be also filing with the Ohio Attorney General Office. For a company ( One Main ) to harass and intimidate a customer is definitely unjustified! The interest rates are predatory and illegal!
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (VA)

I had a past due amount of {$1000.00} to XXXX that was paid to XXXX shortly after they sent it to a collection agency, Trident Asset Management. Trident continues to report this to XXXX, XXXX and XXXX as an outstanding balance since XX/XX/2015. I have disputed the amount owed with all 3 credit reporting agencies without success. I have tried to get XXXX to acknowledge that this debt is paid and to notify Trident but all they do is pass me back and forth between their Billing and Financial departments claiming that they show no outstanding balance and that I need to take up this issue with Trident.
Consumer complaint received 2021-11-30
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. (SC)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under XXXX XXXX XXXX. Failure to comply is a breach of my legal rights.
Consumer complaint received 2022-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

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 account 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 account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BK OF AMER XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.