davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-19
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. (LA)

The original complaint was done on XX/XX/2018. Complaint number XXXX. All of the account and the majority of the inquires from the identity theft, have been removed. The only item is the old inquires, that I have requested to me moved months ago and to this date. All of the inquires haven't been removed. 

They are as follows : XXXX XXXX ( inquires ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to purchase a home for month now and still am unable to do so, so to these inquires showing on my credit report and they have hurt my credit score, by lowering the scores. I have asked time and time again and it is beginning to feel as if, they know what is required of them. But, refuse to follow through completely. They are doing just enough to say they addressed the matter, after their investigation was completed and found the complaint valid. But, not enough to completely clear the matter and leave me in a state of limbo.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I got a XXXX dollar private loan from Sallie mae, a small portion which was federal, to attend XXXX school. The interest for the loan was 14 %, I payed {$600.00} a month for 7 years. I payed back XXXX and still had 10 more years estimated that i pay them {$600.00} a month. I have never made more than 20k in a year but I'm obligated to give them XXXX of that a year and yet the best lowering of payment they ever offered me was paying {$550.00} a month. Now that I've defaulted I can no longer get any record of how much I payed them and I am no longer able to login on my online account. I was XXXX and didnt know better but was told after I asked that I would be able to afford this. This loan was predatory and paying $ 600+ a month for 17 years of my life when I never made more than {$1500.00} dollars in a month is absurd. Their help was to lower my payments by not even a three digit number. I also no longer have access to my account to prove how much I have payed them.
Consumer complaint received 2020-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried multiple times to dispute inaccurate information on my XXXX and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my XXXX  report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXX XXXX XXXX  ( {$2000.00} ) # 2 XXXX XXXX ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.
Consumer complaint received 2022-05-02
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} EQUIFAX : XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TD XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX AV XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AL)

Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.
Consumer complaint received 2022-05-02
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: CAINE & WEINER COMPANY, INC. (GA)

New Information : I recently filed a report against Caine & Weiner in reference to an account that I have been disputing over a year and I read the response that they never received any Correspondence from me for an alleged debt that they say that I owe them. The last correspondence that I sent was received by there office was on XX/XX/XXXX which was a debt validation letter 15 USC 1692 ( g ) b and also a cease and desist letter 15 USC 1692c ( c ) and they responded on XX/XX/XXXX. Per congress when an alleged debt is being disputed it is supposed to be removed from the consumer report until the investigation is final which was never done and please see my proof of delivery.
Consumer complaint received 2018-03-07
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. (CA)

Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..
Consumer complaint received 2019-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

On XX/XX/XXXX there was a transfer from KEYBANK to KEYBANK account. I erroneously was charged a {$34.00} overdraft fee when there was no overdraft. My balance was XXXX. Overdraft charge of {$34.00} made my account $ XXXX. 

On XX/XX/XXXX at XXXX I made deposit into account via ATM AT a branch in XXXX NY , which was {$44.00} to bring account to {$10.00} while I disputed the gauging Overdraft. I didnt want to have it negative. 

The deposit did not register I notified branch personnel on site they told me to call 800 and dispute it. I did call and dispute it. 

On XX/XX/XXXX, KEYBANK charge my account a 'recurring overdraft charge ' of {$28.00} while ignoring my complaint and not repairing error that occured on XX/XX/XXXX and at ATM on XX/XX/XXXX XXXX
Consumer complaint received 2020-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP (NY)

Made several lump same payments totaling {$2800.00} -- on XXXX ( {$400.00} ), XXXX ( {$600.00} ), XXXX ( {$1700.00} ),  and XXXX ( {$140.00} ) -- with the intention of applying the extra payment to principal. There is no option on the website to direct payment to principal. After making the payment I noticed it was not applied to principal, instead was applied to future payments. I then called Valley several days later ( approximately XX/XX/XXXX ). Bank told me they would speak with " financial '' about reapplying the payments correctly, and will get back to me. They never called back. I revisited the issue now in XXXX and the bank is telling me that if they apply the payments now, my account will be delinquent and sent to collections, and that they will " come take my car ''. If they had taken care of this issue back in XXXX when I called, I would have been due in XXXX and continued making payments, reducing my total interest owed as I intended. Instead my due date is XXXX and at the bank is threatening me with repossession of a vehicle if they correct their own mistake. They simply didn't heed my request in XXXX -- that is not okay.
Consumer complaint received 2018-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: North American Credit Services (FL)

Yes here it is again this same company whom I have repeatedly advised to stop calling my number and now it is a different person calling me from North American Credit Services, this woman stated that her name was XXXX. These calls are disrupting my family. I advised them that I do not have any income at this moment to pay anything. Now they call all times throughout the day and I want them to respect my family members and stop calling their phone. Before hand it was 3 gentleman, now it is a woman. Sometimes they call after hours at night and I immediately ask them to stop. If I have no income of which I explain that to them then I can not pay anything.The phone number that XXXX call me from on XX/XX/2018 was XXXX, yesterday the number XXXX XXXX. The dates were Wednesday XX/XX/2018 at XXXX XXXX, then continuously again today and now they are calling me from different numbers. They call me back in XX/XX/2018 at XXXX. Sometimes the calls are coming thru all thru out the evening from this same company and I want it stop immediately. From the telephone number of XXXX, they call my number 5 times. XX/XX/2018 at XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX between hours of XXXX XXXX and XXXX and then a second time XX/XX/2018 at XXXX. I have ask them to stop calling me.
Consumer complaint received 2022-10-15
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: Resurgent Capital Services L.P. (GA)

XXXX notified me regarding RESURGENT RECEIVABLES LLC that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX 

XXXX failed to produce any documented evidence of how RESURGENT RECEIVABLES LLC a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX  XXXX XXXX XXXX 

RESURGENT RECEIVABLES LLC is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. 

XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and RESURGENT RECEIVABLES LLC remains in direct violation of The Fair Debt Collection Practices Act.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Northstar Location Services, LLC (NY)

Due to the pandemic, I lost my part time job. I defaulted on my payments so with other credit cards bills, agreed to consolidate all my credit cards. XXXX XXXX XXXX XXXX of XXXX XXXX, NV. took all my credit cards details and numbers and entered into a agreement with me. On XX/XX/2021, a confirmation letter from XXXX XXXX XXXX XXXX wrote confirming that they have come to an agreement with the credit cards company. They set up a monthly payment through my checking account for the XXXX of each month for an amount of {$340.00} to be disburse to my creditors. The money is being taken without fail since XXXX but Northstar Location Services LLC on behalf of XXXX XXXX has continue to send threatening letters, their last letter dated XX/XX/2021 threatening to get a judgement and indirectly insinuating what they can go after to collect the debt. The credits cards companies are : 1. XXXX XXXX  - {$8100.00} 2. XXXX XXXX - {$2300.00} 3. XXXX - {$2900.00} 4. XXXX  XXXX - {$3800.00} 5. XXXX XXXX - {$6100.00} 6. XXXX - {$3500.00}
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

My XXXX account was frozen, and upon further exploration of the issue I noticed that an individual by the name of " XXXX XXXX '' had used my information to apply for a XXXX credit card, and made charges amounting up to {$980.00}. I personally have never applied for a XXXX Credit Card. However, I can see through my XXXX account that charges were made as early as XX/XX/2021 all the way up to XX/XX/2021. 

I contacted XXXX directly via email notifying them about the issue, in which they had prompted me to send proof that I am the XXXX Account user. This included sending photos of my ID, as well as photos of me holding up my ID, and a copy of my recent bank statement, showing the last 4 digits of by bank account number. Their resolution to this issue was to " unfreeze '' my XXXX account, although my account is still frozen and I have not received further communication from them. 

Further, I contacted Synchrony Bank which is the credit company who handles XXXX Credit Cards. After speaking to a representative from their fraud claims department, yet they only advised me to change my phone number, and they informed me that they would be trying to reach out to " XXXX XXXX '' to collect the debt. However, I was not informed as to how they would be planning to contact that individual, given that they clearly used my information to apply for the credit card in the first place.
Consumer complaint received 2018-03-07
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. (IL)

I am filing this complaint because Experian has continuously ignored my request to provide me with the documents that their company should have on file that was used to verify the accounts I disputed. They have gone long beyond the 30 day mark and can not provide a legally binding verification, nor proof of that verification, which FCRA Section 611 ( 5 ) ( a ) states that I am entitled. On XX/XX/18 around XXXX CST I spoke with XXXX XXXX an Experian Supervisor in the fraud department. On a recorded line I was told, Experian does not verify the accounts with the original creditor and a third party was used ; it may or may not have been XXXX. I specifically asked for the name and business address of the third party furnisher of the information and was told that NO ONE at Experian has that information, so they CAN NOT provide it to me. 

XXXX XXXX XXXX XXXX XXXX defines Verification as confirmation of correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX vs. XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; XXXX vs. XXXX, XXXX App. Div. XXXX, XXXX XXXX XXXX XXXX XXXX. This legal definition is saying that the person verifying must be able to testify to its accuracy under oath, either by affidavit, in court or in court proceedings such as a deposition. In order to testify to accuracy the person would have to have 1st hand knowledge otherwise it is considered hearsay because the furnisher of the information is relying solely on public information and technology that has known to have mistakes. The courts has a firm ruling on hearsay : Testimony, whether live or in the form of an affidavit, to the effect that the witness has reviewed a file and that the file shows that the debtor is in default is hearsay and incompetent ; rather the records must be introduced after a proper foundation is provided XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX , 238~ These accounts have not been properly verified and are being reported with incorrect dates. During the XX/XX/18 call with XXXX ( an Experian Fraud Department Supervisor ) on a recorded line I was told, to go to the original creditor and request a stamped and certified statement to validate that the information Experian is reporting on my credit report contains errors. Yesterday I received certified, stamped and signed statements from the original creditor and attached it to this complaint. Experian is reporting outdated and inaccurate information with incorrect filing dates. Please reference the attached Experian credit report and the certified, stamped and signed statement from the original creditor. I am demanding that these derogatory accounts be immediately removed.
Consumer complaint received 2021-12-02
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: Avant Holding Company, Inc. (NY)

Unrecognized Charges XX/XX/2021 XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX USED TIRES XXXX NY XXXX XXXX XXXX NY XXXX XX/XX/XXXX CALLED REPORTED CARD LOST AND HAD UNAUTHORIZED CHARGES. 
XX/XX/XXXX MAILED A DETAILED LETTER DISPUTING CHARGES.NO RESPONSE. 
XX/XX/XXXX SUBMITTED FAX LETTER DISPUTING CHARGES RESPONSE RECEIVED PENDING INVESTIGATION. 
XX/XX/XXXX LETTER MAILED TO ME STATING CHARGES ARE AUTHORIZED. 
XX/XX/XXXX SUBMITTING FAX DISAGREEING WITH RESULT ASKED TO POROVIDE AN ACCVURATE STATEMENT, RECEIVED NO RESPONSE.
Consumer complaint received 2020-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried multiple times to dispute inaccurate information on my XXXX, XXXX, and transunion credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Consumer complaint received 2018-02-16
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 (TX)

I try to buy a cruise and it did not go through on XX/XX/XXXX, I closed the website and reviewed my email and there was no confirmation or charge in my acct then later I bought another cruise. On XX/XX/XXXX both charges were on my credit card. I called Wellsfargo and explained the situation and they start a dispute, I received confirmation on XX/XX/XXXX, on XX/XX/XXXX I have a 3 way call with the cruiseline and wellsfargo and the cruise line did not want to refund my deposit and sent wellsfargo the  confirmation the cruise line send me 14 days later of a charge that never went through, Wellsfargo credited temporarily my acct on XX/XX/XXXX, on XX/XX/XXXX I received another email from Wellsfargo-XXXX XXXX XXXX telling me that the dispute is on XXXX Arbitration and can not warranty the outcome and it is going to take another 60 days. While all this is happening the cruise agency is telling me that I can lose all my money XXXX if I do not accept losing XXXX now. Wellsfargo is telling me that I have to wait 60 days to hear a result, I told them the situation with the cruise line and they just say that there is nothing they can do that I have to wait even if the outcome is losing all my money, I asked to explain XXXX the situation and let them now this situation is time sensitive without any result.
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (TN)

I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc. (NY)

This company contact me to collect a debt behalf to XXXX bill the balance $ XXXX.I don't own to a XXXX not a cent.They find my phone and the treat on me that you have to pay the debt and the sheriff department is on there way to arrest me if im not paying.I have hard time.