davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. 
I did this with PNC Bank and they still reported my credit with a late payment. 
I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TX)

A payment was sent on XX/XX/XXXX for the amount of {$75.00}. The payment was sent with my bank online bill pay. The proof of payment stated that the credit card company received the payment on XX/XX/XXXX. I contacted the company on XX/XX/XXXX via email with an attached proof of payment. I did not get any response. I also began calling the company on XX/XX/XXXX. Their response was only that the do not show any payment recieved. I sent another email on XX/XX/XXXX with an attached proof of payment.
Consumer complaint received 2017-12-01
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: JPMORGAN CHASE & CO. (MA)

I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

My federal XXXX grant was converted to a loan on XXXX XXXX, XXXX without my permission. XXXX claims they did not receive paperwork stating that I was XXXX in a qualifying XXXX on time, even though such paperwork was submitted on XXXX XXXX, XXXX. XXXX claims to accept paperwork until XXXX XXXX, XXXX. XXXX refuses to convert these loans ( totaling $ 16,000+ interest ) into grants, and have so far denied my first dispute. I am submitting affidavits and complaints to the Attorney General 's Office and the Department of Education.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kehoe Financial Group, LLC (OH)

Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.
Consumer complaint received 2017-12-09
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 — Their investigation did not fix an error on your report
Company: Pinnacle Credit Services, LLC (FL)

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. Experian has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NJ)

I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.
Consumer complaint received 2023-02-07
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

I called to resolve a debt for my daughter that's a minor under XXXXyr old on XX/XX/18 which myself holds the insurance information & was told that I cant take care of it without her permission. amount is {$490.00} she should not be responsible for a debt that I have insurance for.
Consumer complaint received 2017-12-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I noticed a collection on my credit report when I pulled my annual free reports. I have never heard of this company, and never received any documents from them regarding this debt. I started working with XXXX XXXX XXXX to get to the root of it. They informed me that they werent able to resolve it. I sent a dispute to XXXX because I never got this account validated, which is what XXXX XXXX was trying to do. I simply asked for a copy of the agreement authorizing them to collect the alleged debt, something with my signature promising to pay the creditor, and a complete payment history to prove that the debt they were trying to collect was legit. XXXX conclude their investigation with it being verified, I dont how they verified it, because I never received any of the things that was requested. 
The name of the collection company is Portfolio Recovery Associates : Address ID : XXXX Date opened : XX/XX/XXXX ( I didnt open any acts in XX/XX/XXXX ) Terms : 1 month First reported : XX/XX/XXXX ( It just appeared, never knew about it I pulled my report ) Recent Balance : {$12000.00}
Consumer complaint received 2023-01-26
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. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I received an e-mail that stated my credit score dropped by 13 points. I was confused as why it had decreased since there were no derogatory marks so I called Experian and they confirmes this as well. I asked Experian what couldve possibly caused the drop and they informed that they could not relay that information which is my sole right as a consumer. They provided no answer to the score drop and basically told me there was nothing they could do.
Consumer complaint received 2018-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.
Consumer complaint received 2021-07-13
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. (TX)

My rights were violated in accordance with 15 USC 1681a 2b. There are 9 accounts that are fraudulent this company repeatedly ignored, and were left on my credit profile. I have sent 5 certified letters requesting that this information be removed. This has caused me a great deal of distress, as it has caused me to be denied employment, housing, transportation, business, and various other opportunities.
Consumer complaint received 2018-01-06
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. (CA)

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX ( on the dates XXXX XXXX, XXXX, XXXX XXXX, XXXX, and 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, and XXXX/XXXX ( XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I initiated a bank wire transfer on XX/XX/XXXX. The status of my bank wire stated pending up until Tuesday evening when it stated the status of my wire was " complete ''. I 've sent several emails to Coinbase ( the company in question ) and the only response I 've received was someone saying my issue has been resolved when it certainly has not been resolved. Almost a 2 thousand dollar is transaction
Consumer complaint received 2018-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster, Garbus and Garbus (NJ)

The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

COINBASE ACCOUNT COMPRIMISED CASE # XXXX On Friday XX/XX/2021 my personal Coinbase account was hacked and 8 Crypto Currencies from my account. Access to my account began on this particular evening and 43 login failures were logged onto my Coinbase Account activity before Coinbase granted access on the 44 attempts at XXXX XXXX  that evening. 
Over the course of 20 minutes the hacker proceeded to drain my account of 8 Crypto Currencies valued at just over {$3.00} XXXX USD. 
Upon the time I figured out my account was hacked and property stolen I had my account locked and reported this incident to Coinbase. 
I received a couple generic replies to my 9 emails to Coinbase, I can not get anyone from the Company to discuss this terrible event with me. 
LIST OF MY CRYPTO STOLEN : 1- ETH Ethereum XXXX Coins ( Value $ XXXXUSD ) 2- BTC Bitcoin XXXX Coins ( Value {$600000.00} USD ) 3- BCH Bitcoin Cash XXXX Coins ( Value {$410000.00} USD ) 4- LINK Chain Link XXXX Coins ( Value {$140000.00} USD ) 5XXXX SNX Synthetic Network XXXX Coins ( Value {$96000.00} USD ) 6- XTZ Tezos XXXX Coins ( Value {$51000.00} USD ) 7- SUSHI Sushi Swap XXXX Coins ( Value {$24000.00} USD ) XXXX XXXX XXXX XXXX Coins ( Value {$57000.00} USD XXXX Total Value of withdrawals on XX/XX/2021 = {>= $1,000,000} It has been 26 days since my account was hacked and money stolen and still no communication with Coinbase. Today I have sent a complaint letter addressed to the CEO, XXXX XXXX and their Legal Officer, XXXX XXXX XXXX. Any assistance to help resolve this matter is greatly appreciated. Thank you.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I paid for the purchase and balance of {$15.00} in XX/XX/XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency XXXX. 

I have faxed to XXXX 's on XX/XX/XXXX and emailed to XXXX on XX/XX/XXXX but have not received any response.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AK)

On XX/XX/2017 I tried to log into my Coinbase account ( bitcoin, lite coin, brokerage website ) shortly after which I was denied access to my account and my XXXXbit coins, XXXX eithirium and XXXX coins ( now a value of over {$20000.00} ) later I was sent an email telling me that account had been locked due to eligibility restrictions. I have sent emails and called multiple times with the promise that my account will shortly be reopened and my issue resolved, It has been over 2 months at this point and they havent made any efforts to work on my problem or even update me.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (FL)

XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.
Consumer complaint received 2022-01-06
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. (TX)

The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.