davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (CA)

By checking my credit report on XX/XX/XXXX, I discovered the following : -Sallie Mae posted that in XX/XX/XXXX I was 60  days late on a student loan payment, and 90 days late in XX/XX/XXXX. 
_____________________________________________________________________ On XX/XX/XXXX, I submitted the following letter to Sallie Mae 's Credit Retraction Department : To Whom it May Concern, On my XXXX credit report, it reports that I was 90+ days past due on loan # XXXX, attached. 
Per the attached Sallie Mae statements for accounting ending in ****, I have paid on time. I am enrolled in auto-pay, which ensures that the total amount due will be automatically deducted from my account before the due date. 

This is the schedule of payments reported on my statements ( attached ) from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$8.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$25.00} *Amount Paid {$180.00} ( Manual payments on XX/XX/XXXX ) * Can you correct this mistake on my credit report? 

_____________________________________________________________ On XX/XX/XXXX, I received a response letter from Sallie Mae 's Credit Bureau Management stating, " We investigated your concerns and conluded that the information we're reporting to the consumer reporting agencies is accurate. '' Despite the proof that I paid the total amount due reflected on the monthly statements, and on time, they came to that decision.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Relin, Goldstein & Crane, LLP (NY)

My name is XXXX XXXX last four digits my social security number is XXXX The law office of relin and Goldstein and crane located at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme Court County of XXXX XXXXthe index number is XXXX Their trying to sue me for a credit card account thats not mine the company is XXXX XXXX it has a balance of XXXX dollars the debt is 15 years old. XXXX XXXX search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney relin Goldstein and crane for harassing me and my family back in XXXX  with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe XXXX XXXX money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to XXXX XXXX that if I don't pay this bill. Which he's doing is illegal.
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-01
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: DISCOVER BANK (TX)

I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Experian has failed to verify accuracy of account : XXXX 
Experian have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Experian have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Experian must comply with the law by providing the requested information within the 15 days allowed. 

Account : XXXX
Consumer complaint received 2017-09-01
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Consumer complaint received 2017-09-01
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: Clarity Services (TX)

I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Consumer complaint received 2022-08-30
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. (GA)

XXXX  credit card with XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to XXXX XXXX and they stated they would file a fraud claim. During the mean time we received a new XXXX XXXX XXXX credit card. I did not activate the card, I destroyed the card and contacted XXXX XXXX to close the account. I received from XXXX XXXX XXXX XXXX  a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with XXXX XXXX to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.
Consumer complaint received 2022-02-24
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance {$0.00}
Consumer complaint received 2022-08-30
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: WELLS FARGO & COMPANY (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (IN)

I attempted to purchase a vehicle at a XXXX dealer ( XXXX XXXX ) the dealer gave me a price of {$21000.00} then when I asked to add a tonneau cover, they offered for additional {$290.00}. I also was told the cover would come within a week and then the price was {$21000.00}. This was XX/XX/22. I was told teh cover would be in after a week and installed for free. I never got a copy of the paper or a key or etc. I then received paperwork from JP Morgan Chase with a price of {$22000.00}. Plus, no notice of my {$2000.00} down payment or deposit payment for the vehicle. Now I am being charged by Chase bank monthly and decreasing my credit while charging me late payments. I also do not still have the vehicle as it never received a tonneau cover and the deal is considered fraud. Because I was never supplied with the vehicle, copy of original contract or etc, and the service wanted to complete the order. I also realized the dealer price gouged the total price of the vehicle as well and changed it along with fraudalantly signing my signature on random papers. Which I did not sign. ( XXXX XXXX XXXX of XXXX bend and JP Morgan Chase )
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Today at XXXX XXXX, the number XXXX called and left a voice mail claiming to be a company called XXXX XXXX XXXX XXXX I called them back using XXXX XXXX and requested that they cease and desist. I owe nothing. 
They are trying to scam me by pretending I owe a debt from 2002. Really? 
This company, whoever they are, should be held accountable in a court of law.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.
Consumer complaint received 2022-08-30
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: Colony Brands, Inc. (MI)

The Company Ginny 's in XXXX of 2022 used my social security number and opened up a credit account in the amount of {$500.00} without my permission.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (OH)

Gregory Funding purchased Mortgage from XXXX XXXX XXXX XXXX. Gregory increased our escrow by over $ XXXXyear stating XXXX XXXX did not pay our property taxes and that we were in arrears. I requested and RFI from XXXX XXXX and the document confirms taxes were paid in XX/XX/XXXX ( due XX/XX/XXXX ) {$4100.00} and XX/XX/XXXX there was an escrow disbursement of {$4700.00}. During the RFI process we were also charged {$2500.00} in legal fees for which XXXX XXXX will not provide details of. They responded that we would have to inquire with Gregory Funding what the legal fees XXXX XXXX charged, as they are no longer the servicer of our loan.
Consumer complaint received 2022-02-24
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank is my mortgage provider. 

Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account.

Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature.

I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment.

With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

I purchased a XX/XX/XXXX new truck from a local dealer in XX/XX/XXXX. The dealer sold the loan to Santander co. I was not told by the dealer who held the loan. I did not receive loan papers, payment invoices, etc from anyone. I repeatedly asked the dealer who told me in XX/XX/XXXX that it loan still had not been sold but I would be notified when it was. In early XX/XX/XXXX, I received notice from Santander that I was late on the loan despite never being notified of the fact that they held the note or where to send payment. I talked on the phone with Santander on XX/XX/XXXX. I was told that I was late for XX/XX/XXXX 's payment. I explained I had never been notified. They told me I had to make a payment and would have a second payment due on XX/XX/XXXX. I requested my due date be moved to the XX/XX/XXXX of each month because I could not make 2 payments that close together. they agreed if I paid a payment during the phone call. They told me the payment was {$640.00}. I paid it.They did not change the due date. When I did not make the payment on the XX/XX/XXXX they charged me a second late fee and reported me late to credit companies. They called me and told me I was late and my due date was still the XX/XX/XXXX. I made the payment on XX/XX/XXXX and they charged me another late fee on XX/XX/XXXX. They also raised my payment from {$640.00} to {$710.00} and did not notify me. I have made 2 payments in XX/XX/XXXX to get on track with there changes. I asked them to remove the late report and being behind on payments from the credit agencies because they never told me they held the note. I did not know who or when to pay. Once notified I paid what they asked and when. They changed the amount, continued to assess late fees and incorrectly report. The have so far refused to correct my credit report. They have been dishonest and refuse to help. I want them to correct the credit report and clear my good name.