davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.
Consumer complaint received 2019-01-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CT)

I sent a letter to Wells Fargo about a " charge off '' that they are reporting on my credit file. I sent them my account number as it is being reported on my credit file along with my social security number that they have on record asking them to validate the debt that I supposedly owed them. The company proceeded to stall by asking me to fill out paperwork for them to further validate the debt. I sent them another letter in response to their response and they continued to stall. The company failed to mark the account as disputed within the 30 day allocated time frame in which i sent them a third letter asking them to remove the debt from my credit file, because they violated the fair credit reporting act by not marking my account as disputed within the 30 day time frame from receipt of the first letter. They had the account number, my name, and social security number on the certified letters that were sent to them. If their record was inaccurate, they should have removed the debt from my credit report which they have not done. There were 3 certified letters sent to the company and nothing was done about the situation
Consumer complaint received 2019-04-10
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: TD BANK US HOLDING COMPANY (WA)

In XX/XX/XXXX, I notified Nordstrom/TD Bank that I am a victim of identity theft and my personal information was used to open an a fraudulent account. I requested that the fraudulent account be closed immediately and remove any charges on the unauthorized account. I also asked them to send me a written confirmation that I am not responsible for the charges on this account and take appropriate steps to remove information about this account from my credit files. 

I sent Nordstrom Bank a copy of my FTC Identity Theft Report, personal statement, police report, Proof of identity and Notice to Furnishers of Information. 

I still have not received a response from the company so I sent a follow up letter on XX/XX/XXXX via certified mail.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (WI)

LVNV Funding Llc has been emailing me as a XXXX party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as XXXX XXXX, XXXX. was also removed.
Consumer complaint received 2019-04-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I obtained a loan modification in XXXX. In XXXX I got divorced. I was told by XXXX XXXX ( who carried my modification at the time ) that my loan was Assumeable. I worked for 6 months to get my debt paid off and my FICO score high as to assume the loan on my own. In XX/XX/XXXX I was ready to assume the loan. XXXX XXXX transferred my loan to Specialized Loan Servicing LLC in XX/XX/XXXX. When I called them in XX/XX/XXXX I was told that SLS does not have the capability to do loan assumptions. I spoke to a manager who told me that they can. I followed there steps of sending in a letter to begin the assumption process. After 30 days and now response I called again. Again was told SLS does not have an assumption process, again I asked for a manager. Manager told me that they do and that received my first letter. Gave me the next step of mailing in my divorce decree to show I received the house through my divorce. 30 days later no response from SLS. Many calls and no return calls later I finally recived a letter in the mail from SLS stating that my request was declined with a bogus reason. SLS must allow me to assume not refinance. Per the Ger St Germaine act which is in my Loan Modificaiton language I am allowed to assume the loan in case of divorce. SLS is giving me the run around and you can not reach anyone by phone. I need to get my ex husbands name removed from this loan. SLS needs to accomodate my request per the law. I would like to file a formal complaint against SLS and request that they contact me immidiately with means for me to begin the assumption process per my contratual language in my loan modification.
Consumer complaint received 2024-06-04
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX of XXXX, 2024, but when I called Transunion, an agent from TransUnion said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes XXXX days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or XXXX. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$4800.00}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in 2024 and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter. 

All I want is for them to take off the collection, that has been paid and closed, from my history.
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MD)

Good afternoon, I received a letter from NCB Management about 3 months ago informing me my information was compromised in a data breach. The letter stated my information was compromised, however did not explain how, why or what measures will be taken to prevent a future breach. I called XX/XX/2023 and spoke with supervisor XXXX and asked for a new letter due to receiving a couple pay cards I did not apply for. I lost the original. She refused to send me a new letter stating they were sent out by vendors and I could not have a new one.
Consumer complaint received 2019-04-10
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. (WI)

Few days back I contacted a lady and she looked up ALL my info and said all Equifax was closed and that MOST complaint # were ADDRESS related! I DID NOT do that.. MAIN complaint is that EQUIFAX and XXXX lady with THREE letters TOLD me that good news! EQUIFAX IS LEAVING MY ACCOUNT OPEN with XXXX XXXX and CREDIT SCORE WILL GO UP FEW DAYS!, Next day got email XXXX XXXX asking if I CLOSED XXXX XXXXXXXX card and I responded back I DID NOT! STILL XXXX XXXX CLOSED THROUGH EQUIFAX and I DID NOT due it. I have PROOF on recorded line Few days back with DETAIL info AS well as TALKING supervisor!
Consumer complaint received 2019-04-10
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (GA)

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims P.O Box XXXX XXXX, XXXX   XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/2023 I request my credit report to find out that this was reporting wrong I've disputed this item 2 time. First delinquent day is reporting wrong, the month of XXXX do not show any data but still reporting late in the status history. The account is charged off with a balance.
Consumer complaint received 2018-12-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northwood Asset Management Group (CA)

This company called threatening to arrest me and that they would garnish my wages on XX/XX/2018. Ms. XXXX stated that I owed a loan agency {$3000.00} and explained that she knows it is excessive but she wouldn't be able to do anything about that. She asked me for my credit card number and if I refused they would go forward with pressing charges and to garnish wages. I let her know that I did not have any income at the time. She called me the next week on XX/XX/2018 asking for me to call her back. On XX/XX/2018 at XXXX she called asking for me to give her my credit card info. I explained to her that I have not received proper notification regarding this situation. She explain she did not have my address and asked for me to give it to her. I again declined and let her know that if she did not have that information there would be no way she could press charges on me or garnish my wages, She then became irate and told me she would call my employer and start the garnishing process then disconnected the line. She called again at XXXX  on XX/XX/2018. I asked her to stop calling me she in returned screamed stating that she spoke to my employer by the name of " XXXX  '' ( never once said my employers name ) I continued to tell her to please do not contact me this was beginning to be harassment she continued ranting and screaming with threats then again disconnected the line.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I am writing to file a complaint regarding the sudden closure of my PayPal account on XX/XX/2023. Without any prior notice or explanation, my account was terminated, preventing me from conducting online transactions. 

As a long-standing PayPal user in good standing, I am baffled by this action. I have always complied with PayPal 's terms and guidelines and have not engaged in any prohibited activities. 

I kindly request your assistance in investigating this matter and urging PayPal to provide an explanation for the account closure and restore my account. I believe in transparency and fairness in financial dealings, and this incident has left me without a platform for my online financial needs. 

Thank you for your attention to this matter.
Consumer complaint received 2019-04-10
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: CITIBANK, N.A. (PA)

I placed an order at a merchant called XXXX in their internet website on XX/XX/2019. The company cancelled the order. However, a charge was issued to my credit card which they refuse to remove. My credit card company will do nothing about it.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

on XX/XX/2023 there was a {$90.00} payment sent via PayPal. on XX/XX/2023 the {$90.00} was successfully sent to paypal. a refund was granted via the entity receiving the funds. the refund was issued the same day. my bank received notification of an ACH transfer of {$90.00}, but the payment never processed. my bank clarified that it was just a notification and not an actual payment and advised that i contact paypal. when i called paypal XX/XX/2023, the agent advised me the refund was sent to my bank and would take 3-5 business days to post. this was in direct conflict with what the bank advised me. i was able to once again call PayPal on XX/XX/2023 to obtain the trace number of the ach payment i was advised of by PayPal on XX/XX/2023 to confirm that the payment indeed was sent. i was then advised that PayPaXXXX had not sent my refund and they would not be sending the payment until friday XX/XX/2023 at the earliest and that this was not definitive. the representative stated this was because paypal hadnt yet received the money for the initial payment. i advised that the monies were successfully sent and i advised the rep that i could provide the transaction details if they needed help locating the payment. the rep did not resolve my issue, and began over talking me and taking a sarcastic tone and would tell me how to escalate my issue or how to submit a complete regard paypal and the behavior of the representative from XX/XX/2023. i would like money and i need someone to listen to the call from XX/XX/2023. the call was stomach churning and entirely unprofessional.
Consumer complaint received 2019-04-10
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. (KS)

XXXX XXXX XXXX is reporting a balance of {$970.00} and charged-off monthly to the credit bureaus but they no longer own this account. I also suspect that the last payment made on this account was XXXX and not XXXX as XXXX XXXX XXXX claims, making it too old to be on my credit report. 
I filed a dispute with Experian. 
I told Experian that XXXX XXXX is reporting derogatory information and a balance on an account that they don't own. They sold the account and I have a letter from XXXX XXXX, XXXX dated XX/XX/XXXX and one from XXXX XXXX XXXX dated XX/XX/XXXX. The letter from XXXX XXXX XXXX says : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX and XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX and XXXX XXXX XXXX can not report it to any credit reporting agency. 

After the dispute, XXXX XXXX updated the account information to say : Charged off : {$970.00} Written off : {$970.00} Past Due as of : XXXX. XXXX Marked as FP ( Failed to Pay ) from XX/XX/XXXX - XX/XX/XXXX. No payment history prior to this, not even positive information. 
Experian didn't even ask for copies of the collection letter but sided with XXXX XXXX instead. 
It is also reported as charged off on XXXX. 
XXXX, however, says the current status is : In Collections/Charged Off. It has been like that since I checked my credit report in XX/XX/XXXX. 
After I got the results of the dispute in XX/XX/XXXX, I received another collection letter from XXXX XXXX , XXXX that clearly states XXXX XXXX is the owner of the account. The letter is dated XX/XX/XXXX. 
Clearly XXXX XXXX is violating FCRA violations and Experian is allowing it.
Consumer complaint received 2019-04-10
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. (IL)

CRA IS IN VIOLATION OF SEVERAL CONSUMER PROTECTION LAWS, FCRA, FDCPA, FRANK DODD ACT, METRO 2 COMPLIANCE ETC ...
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

i sent money to a person and the wrong amount was entered and I canceled the first one but the second one went through with the wrong amount and now I can not get in contact with the person and money gram is not trying to help me after several attempts
Consumer complaint received 2019-04-10
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shellpoint Partners, LLC (WA)

On XX/XX/2019 I was informed by my tenant and then verified by the US Postal Office that XXXX XXXX XXXX XXXX and all previous Trustees have been illegally sending my personal financial information to a Mrs. XXXX located at XXXX WA XXXX. 

We have checked and verified with the postal service that this has been occurring for a few years now, even before XXXX XXXX XXXX XXXX was called XXXX XXXX etc ... so this company has been sending my private information out to this party ( XXXX XXXX ) and who knows whom else for years now and I am demanding that this privacy breech stop NOW! 

Ms XXXX has also verified that she has been receiving our personal financial documents, letters, Notices etc for years as well! 

She has used and is currently using my personal financial information to interfere with my landlord/tenant business relationship as well as harass and intimidate me and my tenants in order to get me to walk away from a modification so she can purchase my property at a foreclosure sale for a cheap price! The illegal actions of both Shellpoint Mortgage Servicing and their trustees have caused me severe financial difficulties and now I am facing a XX/XX/2019 sale date in order to go through with Ms XXXX threats as she is working with these companies to interfere with my legal rights for a modification. This person is a licensed real estate agent and should also be held to state and federal laws that are being broken to commit these fraudulent crimes!
Consumer complaint received 2019-04-10
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. (PA)

XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

This involves the Company by the name Coinbase, located in XXXX XXXX, CA. Coinbase is a crypto currency exchange company. 
I signed up to use Coinbase on XX/XX/2021. I made three purchases of {$1000.00} each XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX at about XXXX, an unauthorized purchase was made in the amount of {$1000.00}. I was asleep at XXXX so it was not me that initiated the purchase. Later that day on XX/XX/XXXX when I realized this purchase occurred, I contacted Coinbase via email ( they literally don't have a customer service phone # ) to tell them I did not make the purchase. I received an email response from Coinbase on XX/XX/XXXX saying that my account would remain frozen until they resolve the issue ; they also asked for more information, which I provided that day. On XX/XX/XXXX, Coinbase responded saying they would review the case and get back to me. I filed a complaint with my bank and they reimbursed me for the {$1000.00}. I have reached out to Coinbase 10+ times since then requesting an update and access to my account, with no response and no way to access my money. It has been several weeks with nothing more than automated email responses from the Coinbase. I've search the XXXX website and XXXX, and there are thousands of complaints similar to mine. This company should not be allowed to operate as they don't know what they are doing and are in way over their heads. I can't imagine that their behavior is not criminal. My Coinbase case # is XXXX.