davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

On XX/XX/XXXX, I converted approximately {$100.00} of USD into DAI stablecoin. On XX/XX/XXXX, I withdrew {$11.00} worth of DAI from my Gemini account. Shortly after that transaction occurred my account was restricted and all of my crypto assets locked. I've been prohibited from withdrawing, selling, or trading any current crypto assets, including converting my remaining DAI back into USD. I'm only allowed to withdraw the fiat currency that remains on my account or buy more crypto. 

No explanation was given for this restriction. No timetable was offered on when this restriction will be lifted or what actions I could take to lift it myself. I have twice contacted Gemini support through email, which was the only method offered from their support page, and have received no response other than their automated system saying they received my request. I also sent a direct message to their Gemini support account on XXXX and called their phone number. I have yet to speak, chat, or communicate in any way with an actual person from their company. 

Due to the numerous complaints about Gemini I've seen online on sites such as XXXX and XXXX, I've decided to file this complaint with the Consumer Financial Protection Bureau rather than wait any longer for Gemini to respond to my emails. 

If there's a legitimate reason for this restriction, it wasn't given to me. There is no logical or legal reason I can think of for them to restrict my account. My account is verified and there's nothing pending with regards to my identification. These assets are rightfully mine and have been paid for legally with my own money. I should not be prohibited from withdrawing, trading, or selling them.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation ()

After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to XXXX XXXX on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.
Consumer complaint received 2018-07-28
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/18 I accidentally hit the " request a credit limit increase '' button on my account page. I immediately wrote a message stating it was accidental and I DID NOT authorize a credit inquiry. I received a response on the XXXX from the company stating they have received my message. On the XXXX I received a message with a letter in pdf form stating they pulled my credit history from XXXX. I wrote in writing that I specifically did not authorize a credit inquiry, received a response acknowledging they received my original message, but went ahead and pulled my credit history anyway. Unbelievable.
Consumer complaint received 2018-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

For the second time in as many years, Navient failed to inform me that I needed to recertify my income, increased my payment from {$0.00} to {$230.00} without notice, and enrolled me in autopay without my permission. Last summer, I received an email that I my " autopayment '' would debit within a few days. Within fifteen minutes of receiving this email, I called them and told them not to debit my account. They explained it was too late, it was four days before the payment was to come due, and I should have notified them five days before it came due. In other words, they sent a single " reminder '' email out of the blue when it was " too late '' for them to stop the payment. I'm pretty sure I had to pay my bank a fee to refuse the debit. I unequivocally told them that I was not to be placed in auto pay status again. 

This morning, I got an email that my bank account would be debited {$230.00} on XXXX. I immediately logged in and unenrolled from autopay, but they said it was too late to stop the autopayment on XXXX. I work for a non-profit and should be paying only about {$40.00}. It is completely shady and an absolute repeat of last year. Apparently they have not respected any lawsuit the CFPB brought against them last yet.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OR)

Roundpoint Mortgage Servicing just purchased my mortgage loan. They sent a letter stating I need to make the first payment, after that going forward, they will set up auto deductions from my checking account for next month 's payment due XX/XX/XXXX. I did as they requested and forwarded XXXX 's payment to them which they cashed. Then a week later, they debited my checking account for a second XXXX 's payment, which resulted in two payments and overdrew my checking. I tried to stop the payment through my bank, they said Roundpoint would have to stop or reverse the ACH. The same day I called Roundpoint to stop payment and they did nothing. They requested for the letter I received and said they could reverse payment if they received it. Today, XX/XX/XXXX, they received payment. I called several times and spoke to different reps ; one refused to assist and wouldn't allow me to speak to a manager, the second rep hung up on me. Another rep said he would leave detail notes on my account and a supervisor will call me back. No response. When I told him that I spoke to XXXX yesterday that was also suppose to leave detailed notes and the funds were to be returned electronically, he said he didn't know about that. From Roundpoint wrongly debiting my checking account twice has left me overdrawn. 

Thank you very much for any assistance.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (TX)

I received a pre paid card from my employer in the amount of {$25.00} around XX/XX/XXXX. The card has a valid through date of XX/XX/XXXX. I called to get a replacement, and the XXXX   wanted a {$15.00} fee to replace the card! That's 60 % of the value of the card. I called to have them waive the fee and send me a replacement and they refused. The card even says on the front that the 'FUNDS DO NOT EXPIRE '. This is unacceptable that they would charge a fee, and to think they can get away with charging XXXX dollars to replace it is even worse. 

I also had another card which still had {$6.00} which they refused to replace it as it was below the {$15.00} amount they would charge as a fee to replace it. This is practically stealing my money. This second card was given to me in XX/XX/XXXX and has a valid through date of XX/XX/XXXX. This second card also has the 'FUNDS DO NOT EXPIRE ' clearly on the front of the card. This is extremely misleading and leads you to believe getting a replacement card will be absolutely no problem.
Consumer complaint received 2023-02-23
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. (FL)

First of all LVNV Funding is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of LVNV licensing where FLORIDA is NOT listed.

LVNV Funding also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws LVNV Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and LVNV Funding " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I requested a free credit report from Equifax on XX/XX/2021. This is the first time I have requested a credit report, so I have not previously used my " free '' one. It is now XX/XX/2021 and I still have not received the report or any other contact from the company. My free reports from XXXX  and XXXX, which were requested on the same date, both arrived very quickly.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX is reporting my personal information with out my permission per 18 USC 894. XXXX is reporting XXXX XXXX and inaccurate information about XXXX XXXX, this is a violation of 15 USC 1681. XXXX is also violating 15 USC 6801.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (NV)

There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC (IL)

Debt Recovery Solutions is still showing on my XXXX  report with 1 amount showing for {$890.00} and another amount showing for $ XXXX.They replied to my CFPB complaint that they will request these activities be remove/delete but they have failed to hold their word and obey the law. 



I dont know this company I have never done business with this company this company doesnt have any contract with my signature.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

Today, XX/XX/2018, I called my Chase credit card to ask if I could get a decreased interest rate. I currently pay 24+ %. The representative said it was the lowest it could be. I asked how high it could go and she stated she couldnt give me that information. I asked how I could get the rate lower and she said she couldnt give me that information, either.
Consumer complaint received 2021-04-07
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2018-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have been filing for income driven repayments for several years. Each year on the application I check the box for Navient to pick the best plan for me. I have had a zero repayment for a few years now because I have had no taxable income during that time. After doing research on the options available and looking at my loans online I was shocked to find that I was not in the IDR plan that provided the most benefit to me. Currently they have me enrolled in the IBR plan and for the last couple of years I have qualified for the REPAYE Plan. Under REPAYE I would have received a credit for 50 % of the unpaid interest due on my qualified loans each year. This would have saved me $ 1000s each year on my student loans. I contacted Navient about this, verified with them that I qualified for this plan and they told me to submit the request to have this switched online. I filled out all the paperwork, paid the {$5.00} charge, had my loans switched to forbearance during the approval window and today received a letter saying I was rejected because I was outside of the application timeframe. 

I have qualified for this plan for almost 3 years. The plan would cut my accrued interest each year by 50 % and save me $ 1,000s of dollars per year and $ 10,000s over the life of the loan. Navient was given approval by me to pick the best IDR repayment option for me and they failed to do this. I informed them of this error, took the necessary steps to fix this going forward, verified I qualified, followed their instructions step by step and was still not put in the best plan for me. I have also noticed that during this process they have removed the .25 % interest reduction I had for being set on autopay. So now not only am I on a more costly plan they have raised the rate I am paying on these loans.
Consumer complaint received 2018-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Eqofax is the worst company to deal with.thier dispute form is the most irrational forum.they ask too many questions and make you irritated so you give up.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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. (IA)

A company XXXX XXXX XXXX XXXX turned an account over to collections after my bankruptcy was discharged. It is now showing on my credit as a collection discharged in bankruptcy instead of a closed account discharged in bankruptcy like it should. The other 2 credit bureaus do not have the information listed under collections like Equifax does. I have contacted Equifax and they have not taken any corrective action to have the account listed correctly. The account should be listed as it was when I filed for bankruptcy, they can not change it to in collection after the bankruptcy.
Consumer complaint received 2018-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ;  XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX who provides online, short term loans through their sister company XXXX XXXX continues to falsely report a balance due on an old account. Further, the balance continues to grow even though the account was marked as charge off. I have disputed this account numerous times over the years via the credit bureaus dispute centers. Each time, XXXX failed to properly validate the debt directly with me and overall failed to adequately respond to the disputes time and time again. However, XXXX continues to update the credit bureaus stating the data reported is correct and they continue to report a growing balance on a closed account. An account can not be closed/charged off and continue to grow in balance and report to credit bureaus as if it were an active and open loan. Per FDCPA and FCRA regulations, XXXX have failed to properly respond to disputes and failed to properly and timely validate an allegedly owed debt. Per regulations, the debt must be marked as unenforceable and uncollectible, furthermore any and all collection efforts or attempts must end immediately and the account and data must be removed from the credit bureaus. Failure to not complete these steps is in violation of Federal guidelines. I request that XXXX promptly remove the falsely and unverified data from my credit reports, mark the account within their system as unendurable and uncollectible, and immediately end any/all collection efforts that may be in place. Failure to do so could be construed as fraudulent activity and/or harassment.