davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (AZ)

To whom it may concern : I took out a car title loan around XX/XX/XXXX from XX/XX/XXXX and unfortunately fell behind on my payments. My vehicle was repossessed, however, I quickly paid to have my car reinstated back to me in the amount of {$1000.00}, which was wired to XXXX XXXX XXXX on XX/XX/XXXX using code # XXXX ( reference # XXXX ). 

I called XXXX several days later to pay off my balance and close the account. I was told by the agent that the repossession fee had cleared, and that my pay-off balance was {$3500.00}, which I paid on XX/XX/XXXX ( reference # XXXX ). I asked several times to make sure that this was all I owed and each time the answer was Yes. I was also told that my title would be released back to me, which led me to believe there was no longer a lien on my vehicle, or any balance owed to XXXX. 

Come to the present, I was going through my paperwork and realized I never received my title. I went online to the XXXX website only to discover a {$210.00} balance on the account. I immediately called on XX/XX/XXXX and explained to the agent the issue, and was told a supervisor would review my case, and that I needed to call back the next day. 

I called back on XX/XX/XXXX and calmly explained to the agent the issue again, and was rudely interrupted telling me that she needed to explain what the supervisor noted. I asked to speak with the supervisor, XXXX, who reviewed my account and was told she was not there, even though I was told to call back that day to speak with her. I then asked to speak with another supervisor or manager and was placed on hold for over 12 minutes, which is excessive. 

Frustrated, I called back and talked to XXXX, who was actually polite and quickly got me to a supervisor. Low and behold the supervisor was XXXX XXXX, whom I was told was not there in a previous call. XXXX said that there were 2 charges of {$80.00} and {$75.00} assessed to my account that were part of the repossession charge, and any amount from XX/XX/XXXX to now is all interest fees. I told her I was never disclosed this information and that I dispute any balance on my account. I said I was promised my title and I felt I was deceived. I was then told that she would waive the interest fees, but unless I pay them {$150.00} they will not release my title. 

I am now frightened that they will try and repossess my vehicle over a balance that was never disclosed, or charged to my account incorrectly. I believe that XXXX in violation of several consumer protection acts, withheld information and behaved in an unfair and deceptive manner. 

The resolution I am seeking is for XXXX to waive the entire balance owed and release the title immediately through certified mail. 

Thank you,
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I successfully filed for a credit freeze with XXXX  and XXXX online. When I tried to do the same with Experian, they insisted that I copy and send all this information by mail. It is a gross inconvenience. Also, their webpage directed me to XXXX so that opt out of receiving their third-party advertising. That webpage crashed.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

This complaint is about XXXX ( parent company : Coinbase ). 
On Sunday XX/XX/XXXX, I made a deposit via Coinbase to my XXXX account. Deposit reference : XXXX. The deposit was successfully completed on XX/XX/XXXX at XXXX XXXX. My XXXX/Coinbase account details are : Email : XXXX Name : XXXX XXXX XXXX : XXXX Everything was working fine until XX/XX/XXXX when I tried to login to my XXXX account, I was presented with this message : " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX '' I couldn't login to my XXXX account. By that time I had exactly {$1500.00} stored in my XXXX  funds/account. So I emailed XXXX support on XX/XX/XXXX at XXXX PST. I received generic response from the company saying my problem will be looked at. I waited for a week or so and called XXXX via phone on XX/XX/XXXX, I was told that my ticket will be escalated so it can be resolved. After waiting for a week or so, I called again because nothing was happening to my case. Now, today, it is XX/XX/XXXX, it's been more than a month now since I have been waiting to get my funds ( {$1500.00} ) back from XXXX and I haven't received my money, and I still can not login to my XXXX account. Whenever I call the company, they give me a generic response with no timeframe. I would like my funds back as I really need them. I hope after this complaint, my issue will be resolved. Thank you.
Consumer complaint received 2018-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (IL)

They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXXXXXX. The original creditor was XXXX XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2020-01-28
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)

XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.
Consumer complaint received 2018-02-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2018 I sent a certified letter to Experian asking to VALIDATE the accuracy of an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent no validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Experian has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meade Recovery Services, LLC (UT)

I had a judgement on a XXXX bill by Meade Recovery. They placed liens against my house without notifying us. The debt was discharged in our bankruptcy filed XX/XX/XXXX. 
This judgement continues to show as open and paid on my XXXX report. It is discharged and closed. Judgements were discharged. Liens have been scrubbed XX/XX/XXXX. I do not owe them anything.
Consumer complaint received 2023-04-08
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: Receivables Management Partners, LLC (CA)

RMP Services LLC. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a XXXX XXXX and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for. 

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both XXXX ans RMP Services with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and XXXX from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently came home from prison after doing four years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions. 

So I don't know how this got on my report... 

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent accounts.
Consumer complaint received 2020-01-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ASG Solutions LLC (CA)

On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka ASG LLC left  detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of ASG to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I signed up for the free experian credit score report deal and have been unable to cancel the account online or via email. Now I've been over 3 hours holding on the phone twice today and nobody answers their phone - this seems to be a very popular scam and I hope that the CFPB can shut them down or at least fine them so much they stop doing business like this. I think any other business would be sued in court>? thanks!!
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I responded to the most recent denial letter I received. The denial letter states that I was denied due to a negative NPV test. Since they could not bring my payments down, i was denied for a loan modification. Well, in reviewing the inputs, I have realized that the calculations are inaccurate. I would understand why this would lead to a denial. The current interest rate is incorrect. I am currently at a 4 % interest rate and the rate that you have is 6.5 % which will not be occurring until next year. This would make sense why they couldnt bring my payment down. They are not using the correct interest rate.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MARINER FINANCE, LLC (VA)

I enrolled in a debt consolidation program and one of the creditors i added to the program keeps calling my cell phone and my work phone. I have not been available when they have called at work but they have left messages and today they said that a warrant in debt has been issued for me. I have mailed a stop payment letter and the debt consolidation company has been in contact with them
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recovery Services, Inc. (SC)

XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of Financial Recovery Services , Inc. XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). Financial Recovery Services , Inc. lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
Consumer complaint received 2018-03-11
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: Experian Information Solutions Inc. (AZ)

I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number
Consumer complaint received 2023-04-04
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2018-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

XXXX XXXX XXXX, its trying to collect on a credit card debt of more that 7 years. 
My clients number with them is XXXX Convergent account XXXX Creditor XXXX They have applied outrageous interest and charges to the original amount. 
I have asked to received and statement detailing charges, but have never received them. 
Also I understand this was charge of by the Original bank and I understand unless specified in the original contract ; they forfeit the right to charge handling or any interest after charge off.
Consumer complaint received 2018-03-11
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. (CA)

XXXX, Equifax, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I pulled my credit report 8 months ago ( and again yesterday ) XXXX XXXX XXXX shows 2 accounts in collection ( they are not listed as original creditor ) I requested full validation of debt, and after 8 months of requesting it or demanding removal, they still have done neither, in full violation of FCRA. They have not validated because they can not. When I file complaints, they respond that they have validated so, since they claim they did, and I claim they have not, I request they send full, complete validation to you, if they fail to include in their reply to you, they must remove any account they have listed from all 3 of my credit reports in accordance with the FCRA.
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial (CA)

I attempted to withdraw XXXX STR ( Stellar Lumens ) tokens onXX/XX/XXXX at XXXX - the transfer did not complete and resulted in an error ( as shown in the Withdrawals section of my account ), however the amount of XXXX STR has been deducted from my account balance. 

I logged a ticket in the support section of the XXXX website ( # XXXX ) on XX/XX/XXXX ( 67+ days ago ) and a reminder 4 days ago. I also sent @ XXXX tweets requesting resolution and refund of the missing tokens on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, however no response has been received. 

I request the CFPB to take appropriate steps to ensure XXXX XXXX is held accountable for such lapses and exemplary fines are levied to ensure such actions are not repeated.
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX