davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (NC)

On XX/XX/2020 a letter was written from Rent Recovery Solutions, stating that a debt was owed from myself to XXXX at XXXX XXXX, in the amount of {$2100.00}. I do not owe this debt. I wrote them a letter stating for them to no longer call me, and that I will only communicate with XXXX directly and only through written documents. You will see a copy of the letter below. I sent it through certified may with a tracking number ( XXXX ) through USPS. They received the letter on XX/XX/2020 at XXXX. On XX/XX/2020, I received a phone call from this company. I did not answer the phone but they left a voicemail, stating that they are in attempt to collect a debt and to return their call. 

Below is the letter that was sent with personal information removed : " To Whom It May Concern : On XX/XX/2020, your company sent me a letter regarding an alleged owed debt. Be it known that I hereby dispute the validity of said debt. There are no monies owed to the original creditor : XXXX at XXXX. 

In accordance with the Federal Fair Credit Practices Act, 15 U.S. Code 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work with the original creditor, XXXX at XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Rent Recovery Solutions, LLC or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via US Postal Service mail that you will be terminating all attempts to collect this alleged debt. 

Thank you for your cooperation in this matter. ''
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX I discovered that my account with TD Bank account ( XXXX ) was frozen, It was in conduction with a State Tax Issue. After speaking with the State representative I was informed that they Faxed and Mailed the notice to the bank XX/XX/XXXX. the bank is saying that they didn't receive the notice until XX/XX/XXXX. I however had already made contact and arrangements with the State tax rep on XX/XX/XXXX. Td Bank didn't process the Levy until the XX/XX/XXXX. However after doing some research those fund in TD Bank should not have been allowed to be frozen. First the deposit came after the notice from the state. Secondly they did not verify where the funds came from as they are my Military XXXX pay from the XXXX. I have contacted the Levy Dept at TD Bank numerous times to  resolve the issue. As they are now charging my account with over draft fees too. 
I spoke with the State Tax Rep.today and all frozen money is being released. understanding that is a blessing. However I believe that TD bank should have protected my account and not allowed my VA XXXX pay to be frozen. As according to your web site and regulations they should have prevented them from being frozen.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.
Consumer complaint received 2024-02-27
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. (GA)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : 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 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. 1681s-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.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

Account became restricted for no reason. After multiple attempts to fix the issue, its been weeks with no responses. 

XX/XX/XXXX : deposited {$1000.00}. 

Also XX/XX/XXXX : account restricted. Was able to deposit and fund my account, but unable to trade or withdraw any of the funds that I just had deposited.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

My name is XXXX XXXX I deposited over {$15000.00} into Binance.US and have accumulated over {$60000.00} in profit with my investments in NANO/USD VTHO/USD AND DOGE/USD on the platform. I am considered an advanced verification level user which means I should be able to withdraw XXXX per day as of their terms. Recently and suspiciously Binance.us switched my verification level to unverified and asked me to accept these new terms and conditions, well now its been weeks and my account says pending verification and it does not allow me to withdraw my funds, but or sell any currency. My money is locked. I have submitted tickets asking them to release the hold that is unjustified, no response. Thousands of users report the same thing on XXXX. I have missed out on XXXX + profits this month alone due to not having access my trading account. I pay my regular bills with my account, over XXXX. I am at risk of losing all of my assets due to not having access to my funds and being late on bills. This is causing me great damage and stress. This has happened on XX/XX/2020 and my ticket number is XXXX account email XXXX User ID at Binance.us XXXX
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Per CFPB representative, it was suggested I open a new complaint to USAAs response regarding my bank account. 

I would like to refer to case # : XXXX I have included documents to support my case and I hope this will be finalized. 

After comparing my account with what USAA responded, there is still missing funds that is due to me of {$1500.00}. 

Before the fraudulent charges happened, I would have had {$420.00}. 

I have listed the fraudulent debits and compared to the credits once debits were deemed fraud and if I am not mistaken, I am missing {$1100.00}. 

I would like USAA to please investigate this further and if this is correct, please mail a check to the address listed on my account asap With the account being locked I was unable to make any payments to my accounts with USAA. 

I would also like late fees, over the limit fees, or any other fees charged to my accounts waived on credit card & loan listed below : Loan Account : # XXXX ( see letter attached ) Credit Card : # XXXX ( see letter attached )
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

My credit has had a freeze on it for 3 years ATLEAST.. I cant get any credit.. cant open a bank account.. contacted equifax several times and sent them all the info they need and its still frozen.. very frustrated
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. 

The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof.

I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. 

Please remove this fraudulent account immediately from all of my credit files.
Consumer complaint received 2018-02-06
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. (CA)

This is my second complaint filed against TRANSUNION. My first complaint, Complaint Number XXXX, did not lawfully satisfy my issues with this company. This company is misreporting the status and the lien itself. All the liens have been withdrawn by the IRS and I should not have any liens on my credit report. Even XXXX and XXXX REMOVED the liens that were previously reported. I have sent numerous dispute letters to dispute these invalid entries but TRANSUNION refused to comply and remained negligent and none complaint. These are the incorrect and invalid liens that must be removed under the XXXX XXXX XXXX   program and being withdrawn by IRS : 1. FEDERAL LIEN ref # XXXX - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 2. STATE LIEN ref # XXXX -- - Same with this lien, - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 3. FEDERAL LIEN ref # XXXX - AND THIS ONE AS WELL! - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. This credit bureau remained none compliant and negligent and I am involving my legal counsel now if these violations were not fixed.
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (WA)

XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Consumer complaint received 2018-02-06
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. (WA)

XXXX  is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DRB-40, LLC (CA)

I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing
Consumer complaint received 2018-02-06
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: STERLING JEWELERS, INC. (TX)

I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: POPULAR BANK (OH)

I applied for loan modification to XXXX XXXX XXXX at XXXX Box XXXX, XXXX XXXX, FL XXXX. The bank denied my application for not responding although I had called many times and I sent application documents XX/XX/2018 after receipt of the application documents via email XX/XX/2018. 

XXXX XXXX XXXX  mailed a letter dated XX/XX/2018 for denial of loan modification application, of which envelop was stamped XX/XX/2018, and reached me XX/XX/2018. 

The letter states they do not accept appeal after XX/XX/2018 when the letter was mailed one day before the due date for appeal from Florida which takes at least 3 days to reach me. 

Since they did not accept my one month payment when two month delay and said they mailed the application document on the same day they sent email but the documents did not come via land mail, it seems the letter was intentionally mailed to reach me after expiration date for appeal. 

This is so unfair business conduct as a bank, operating in the U.S.A. It seems they are trying to foreclose when there is a good chance to correct the situation instead of actually help stating in an inserted a letter to help.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC (GA)

RAS LAVRAR is attempting to collect a debt from me that I have no recollection of. RAS LAVRAR has stepped outside the boundaries FDPA. I have received a lot of harassment calls and even a representative came to my home or residences with harassments that are in violation of the FDPA. I never established a contract with this company and I don't owe the alleged debt.I will be reporting this practice to the State Attorney General office of Ga and the FTC about this matter.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

1. Company state they have now listed account as " disputed '' on credit reports. 

2. Company state and per their communications they sent notifications in XX/XX/XXXX and XX/XX/XXXX to address XXXX XXXX XXXX XXXX XXXX Alabama XXXX. My address in XXXX XXXX XXXX XXXX XXXX GA XXXX. 

3. Company was notified via certified mail twice XX/XX/XXXX & XX/XX/XXXX after reporting to XXXX  and XXXX  of wrong address and the communications were not received per FDCPA. 

4. Company agreed to remove information via XXXX  dispute.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WA)

Care Credit / XXXX XXXX have reported false information on my report. I paid this account off in full and was never late. They reported inaccurate high balances, as well as saying I was late. Even though I was never late the entire time I had the account open. As soon as I discovered what was happening I paid the account in full and will not do business with them ever again. They are still reporting a high balance and I paid it in full.
Consumer complaint received 2018-02-05
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. (PA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards however no accounts were established. The applications did produce fraudulent related credit inquiries on his credit reports, specifically with Experian. A recent attempt was made to dispute this fraudulent information however Experian sent a reply to our client stating they would not adhere to the request of removing the data due to the fact they believed the activity in question to be suspicious. Meanwhile, a POA and all needed client PII was provided to support the validity of the request. Experian 's failure to provide service in removal of fraudulent data is a violation of the FCRA and my clients federal rights.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

EQUIFAX XXXX {$7000.00} XXXX  XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I receive multiple calls a day from a local XXXX number from my area as well as my wife at XXXX. They spoof a local number when they are located in California. Company is IQ Data, I wanted to work with them and after I set a payment for settlement they went in after and changed the amounts so the payment I had cancelled by bank as its not what was agreed to.