davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To start off, I had/have an account with Bank of America . The account was transferred to XXXX XXXX XXXX ( Collectors ). 

In XX/XX/2019 I settled the account with the collector. 
The balance at the time : {$11000.00} The amount we agreed to settle for : {$6200.00} in 24 payments.

1 x {$260.00} 23 x {$250.00} Once I received a settlement letter for this account I called and gave XXXX  my Bank Account and Routing Number for the payments to come out automatically. 

THEY NEVER CHARGED ME OR PROCESSED MY PAYMENTS. Instead, the left me with a wonderful surprise! The account was sent back to Bank of America. I thought I'd get it resolved with them but Bank of America had different plans in mind. They decided it'd be best to sue a client that had made multiple attempts to resolve their account and even set up payments to fulfill a settlement we had agreed on! The lawsuit was first filed on XX/XX/2019. I had an attorney speak on my behalf and I personally tried to resolve this with XXXX, Bank of America, and we even explained what happened very thoroughly to XXXX XXXX XXXX XXXX ( Bank of America 's Attorneys ) and STILL they decided they'd prefer to SUE a XXXX  year old who barely has enough to cover his own living expenses. 

I explained all of this to XXXX XXXX XXXX XXXX ( specifically a rep named : XXXX  @ ext. XXXX at that time, I do not know if he still works there ) multiple times in XXXX, XXXX and XXXX of XXXX. Of course, they don't care, they just want to XXXX me dry of any XXXX that I have. 

NOW, they want to try and Garnish me when I tried working with them? I can't even afford to live with what I'm making part-time! This is absolutely ridiculous and heartless. I'm literally I would understand if I was being irresponsible or not trying to resolve the debt at all but I did what I had to do and XXXX  and Bank of America dropped the ball. They didn't process my payments NOR did they even reach out again about the settlement not being paid.
Consumer complaint received 2017-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (OH)

I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX continues to post inaccurate information on my credit report with XXXX, Equifax and XXXX.There own data they are reporting to XXXX, Equifax XXXX and XXXX, is in inaccurate and no agencies will not let me dispute this although it is a separate and new dispute that is potentially damaging my credit scorereview the attached document screenshot, it clearly shows XXXX XXXX XXXX states this collection was opened in XX/XX/2018 and their reporting shows they didnt start reporting ( late ) not until XX/XX/2018! 6 months late! There is no reporting from XX/XX/2018 although they are listing the open date as XX/XX/2018 and they inaccurately and maliciously reported the collection history six months Late and have done for years! This has and continues to damage my credit score each day!
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX  information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   . but I am   unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE  RECOVERY INC. to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request   is two fold and as follows, Validation of Debt, and HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this form  al complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as  a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it  may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX, XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've been a victim a identity theft from income tax to credit cards and people trying to obtain things using my credit, such as social security number and birthdate. I called  XXXX  and  XXXX  and they handled the inquiries and bad accounts with no issues, they removed everything that was fraudulent with no problem at all because they can see the pattern of fraud. I called trans union and explained the issue, they told me to call every inquiry on my report and get a letter of deletion. When I call the numbers on the reports the companies state there is no record of me applying for the credit. I have ov er 80 inquiries   on trans union and they will not help me. I hav e 5 inquiries on  XXXX  and 10 on   XXXX , obviously something is wrong. I spoke wi th two su pervisors at trans union and they all say the same thing call the consumer and get a letter of deletion, how can i get a letter of deletion when they do not have the proper information on the trans union report, I called the numbers on my trans union report and the numbers are inaccurate. My loan  officer stat es I seem to be a victim of th e trans union inquiry issue, but I call trans union  and they state I 'm not. I am at a lost here something is definitely wrong with trans union reporting and they will not help at all. The numbers on the transu nion reports to call are inaccurate so i cant get a letter of deletion, I explained that  to two supervisors at trans union and they state there is nothing they can do it will fall off in two yea rs. This is fraudulent and inaccurate reporting what do I do?
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (WI)

On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.
Consumer complaint received 2021-08-05
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. (OK)

This reporting agency, Experian is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was notnotified. As the original creditor, onlyI can validate this debt. I do not validate this debt. Therefore, the following account must be deletedfrom my report.Failure to respond satisfactorily with deletion of the above referenced account and a freecopy of my report after the changes has been made will result in the above actions being taken against your company, i will also be seeking {$1000.00} per violation for:1. Defamation2. Negligent Enablement of Identity Fraud3. Violation of 15 USC 1692g
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (LA)

XXXX / XXXX / XXXX  : Applied for a  Chase c ard and was denied for past negative " personal '' history with the bank, there were no negative reports from  Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied fo r a Chase card and was  denied for past negative " personal '' history with the bank, there were no negative reports fro m Chase or an yone else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied f or a Chase card and was denied  for past negative " personal '' history with the bank, there were no negative repor ts from Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Called local Chase bank branch to inquire about my personal report with the bank, they do not have info, refered me to cardmember services. I talked to  XXXX  at cardmember services who was unable to provide me with a copy of this report. I wanted to obtain a copy before I attempted to apply for another card. I do n't want to apply for a card and take a " hard pull '' on my credit report, if I will be denied for " personal '' reasons.  XXXX  advised to apply anyway, and then if I 'm denied ask to be reevaluated at which point they will do another " hard-pull ''.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

my daughter wanted to become a   XXXX   XXXX   but when she applied she could n't apply for the loan on her own so we were told we could split it between us. Approximately {$5500.00} each. The school stated by the time she graduated the loan would be paid off and they would help her find a job. Neither of those things happened. Due to unforeseen circumstances and hardships I had to file chapter  XXXX  to keep from losing my home. I had to make payments to the court of {$430.00} a month for 60 months and turn over my tax refunds also. The court still paid money to the creditors even though they were a write off.   They paid some to  XXXX   XXXX  for the school loan, little did I know that the school loan was accruing interest for th e five years I  was in bankruptcy. My  XXXX  dollar loan is now almost  XXXX ! I make  XXXX  dollar payments a month but it just keeps going up and   XXXX   me out that I will never get out from under this debt. I wish they would at least forgive the interest then I could maybe make a dent in this debt.
Consumer complaint received 2022-09-09
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. (NM)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-09-09
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. (NM)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (RI)

XXXX, Experian and XXXX per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ).  THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING. 
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/XXXX **XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX : # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. # 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON X/X/2017. # 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX AND RECEIVED BY ME ON X/X/17. # 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair CreditReporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices  ActSection 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have sold crypto-currencies on XXXX ( trading arm of CoinBase ) and I currently have about 1,000,000 EUR of fund. Unfortunately, it is only allowed to withdraw XXXX EUR a day. 

The company has a process for increasing this amount and promise to come back to his customer within 10 days. However, after a month, I still do not have any answer. 
I tried to contact them via their online ticket service but I received no answer. 

I tried calling them as well. I got connected to a representative who acknowledged the amount of fund on the account but then put me on hold and hung on me. I tried calling again but I never managed to get any representative again. 

At this point, they are holding my fund without my consent.