davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I am writing this complaint regarding a fraudulent company named XXXX ( XXXX  ), currently unavailable. 
I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX  is not regulated in the United States, where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes I acquired Bitcoins from Coinbase.com and transferred that to XXXX. Unfortunately, I have not received any help from Coinbase ( registered in USA ) to recover my stolen funds. 

Thus, I am reaching out to you to consider my case and help me recover the stolen funds. 

Thanks and Regards, Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX, USA Contact : ( XXXX ) XXXX XXXX
Consumer complaint received 2022-09-12
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXXXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Closed Late Dates XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (DC)

I was in contact with Barclays Bank of Delaware over a year ago in regard to this fraudulent account. 

The fact that XXXX XXXX has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a government employee, and my job is contingent upon my credit background
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP (GA)

Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid.

I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .
Consumer complaint received 2020-04-29
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. (CA)

Experian knows that my dispute with XXXX XXXX  for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX  pushes the date back so that I would contact their debt collector, XXXX XXXX, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXX! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!
Consumer complaint received 2018-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00} and High Balance {$6200.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00}  XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment his

tory or consecutively as C/O reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge off close account.
Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (VA)

I filed disputes with Lexis nexis on XX/XX/XXXX and XX/XX/XXXX of this year and after 30 days they did not resolves the issue. 
When I call I was given a run around. They keep reporting inaccurate information to my credit report without proof that it is 100 percent my record. This is FCRA violation. These multiple violation go unpunished because Lexis Nexis think they are above the law and do not have to abide by the laws. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( USBK COURT XXXX XXXX  ) on my Credit report which was furnish and verified by Lexis Nexis. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with credits bureaus. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that Lexis Nexis mixed up my files with somebody with similar names. Lexis Nexis should furnish me with 100 percent proof that whatever being furnish to XXXX  is 100 percent accurate by matching my information with whatever is in those files. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. Therefore, I am requesting the method of verification within 15 days stated under FCRA 611 ( a ) ( 7 ). I am also requesting that Lexis nexis furnish verifiable proof that this record belong to me. Most important FCRA is very clear about the time frame of investigation. Anything not verifiable within 30 days must be delete from my record.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (MD)

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating 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 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX   XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I called last year either XXXX to have my name corrected and a staff member refused to fix the name, said that I needed to submit proof of my name, and I told them that its not just a letter for the middle of my name because my mother and I have the same exact name and I have had credit information mixed up with hers multiple times before so it is important for the full middle name to be written out. I have submitted several disputes so with my address in my name incorrect how are you properly verifying any of my information I have also sent dispute letter disputing, incorrect information again. Everything on my credit report has to be 100 % accurate and there is an uploaded drivers license in my file. My name should be the exact same as on my drivers license. All phone calls are recorded. There are several conversations of me trying to get my name corrected with Experian!
Consumer complaint received 2018-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc. (GA)

This is not my debt I no longer live at this address XXXX XXXX XXXX XXXX XXXX Georgia XXXX You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2017 ( 1 yr, 4 mos ) Account status Open Type -- Responsibility Individual  Remarks Placed for collection Original Creditor Name 1XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (TX)

I was unable to obtain a credit report from Transunion due to an " error ''. Once I signed up for their paid service, I was able to obtain a report but every time I attempted to dispute the report for inaccurate information I got, conveniently, another " error '' message. The features are not working on their website and it was supposed to be a 7 trial period for the paid service. They charged me immediately. There is no way to actually speak to anyone. I was on hold for 3 hours and no one answered and then I was cut off. There is no way to email or instant chat with the company. How am I supposed to dispute my credit? How am I supposed to get a refund? Their customer services are circular with no way to actually communicate directly with them. We are supposed to use the mail as though this is 25 years ago. With the mail I have no way to take of this expeditiously. I want to take advantage of low mortgage rates but their option for me dealing with inaccuracies will literally take months!
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I learned that Navient was reporting student loans that I have no knowledge of to credit reporting agencies. This was first brought to my attention in XX/XX/XXXX by a bank, when I went to attempt to purchase a home and on XX/XX/XXXX, I checked my credit and saw a huge drop in my credit score caused by Navient ( amount of $ XXXX ) in addition to XXXX the bank made me aware of. On XX/XX/XXXX I contacted Navient and after providing them my address and phone number, found out there were apparently several different phone numbers tied to my social security number/account. Navient stated that I had co signed 5 different student loans with disbursement dates of :XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX( {$2000.00} ),  XX/XX/XXXX ( {$3500.00} ),? XXXX ( {$4000.00} ) and XX/XX/XXXX ( {$7000.00} ). They informed me that these were private loans and that I signed a promissory note that I know for a fact I DID NOT SIGN. I had no knowledge of these loans and have loans ( XXXX XXXX ) with the Department of Education. Navient informed me that the outstanding balance to date was $ XXXX and has reported a total of over $ XXXX to the credit bureaus in addition to reporting late payments of 90 days past due, yet informed me that last payment received was inXX/XX/XXXX. I am in need of assistance. I have requested their promissory notes and was informed that I should receive them within 7-10 days. All information provided ( loan account number, dates, amounts, etc. ) in regard to this loan was information I obtain when I contacted Navient.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

To whom it may concern Upon inspection of my credit report I noticed the following personal information is incorrect. 
Please remove the following addresses ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX from my credit report # XXXX. 
Those are not my current address. Any previous addresses are undeliverable and i have no access to them. Attached is a copy of Government issued vital record and Utility bill. 

I sent a certified letter to Experian updating my address and they refused to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (MD)

My Collateral Loan on date XX/XX/2017 was mismanaged by NFCU. My attached letter and attachments 1-7 will provide the necessary details of my compliant.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

My escrow balance is more than needed. My property taxes have gone down by {$700.00} and the company will not review my escrow balance / conduct a new escrow analysis until next XX/XX/2022. I think this is too late to be taking more money from me than needed to fund an escrow balance that will not be needed.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

I received a letter dated XX/XX/2020 from Citi indicating they decided to close my account. No reason was provided other than a " review '' of my account. I have had this account for about a decade and have used this account to direct deposit a portion of my paycheck every two weeks. So, the company has followed me for a number of years and knows my addresses and employers. I am not a new customer ... I have a long history with Citi including my employers. I was provided Reference number XXXX. I immediately sent a letter to Citi ( and have since sent three more letters ) asking for a reason for the closure but they have not replied. The letters were addressed to the mailing address at the top of the XX/XX/2020 letter as well as a XXXX XXXX customer service address. The timing of this closure is particularly problematic -- the heart of a global pandemic. My company 's HR department is working from home so it was difficult to redirect my direct deposit. Given my long-standing relationship with Citi ( over 25 years with credit cards and checking/savings accounts ), I am shocked they closed these accounts with no reason provided.
Consumer complaint received 2018-06-18
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. (NJ)

XXXXXXXX XXXX XXXX  is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Consumer complaint received 2018-06-18
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)

XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

I am reaching out with a concern about XXXX XXXX. I should be getting credit for making nearly 3 of the 10 required years of payments for the Federal Student Loan Forgiveness Program and am only being credited for 8 months! 

Furthermore I have been calling XXXX XXXX for 10 months to get a review and they will not complete one. I asked for a review in XX/XX/XXXX and XX/XX/XXXX that was not completed and then another one this fall. During this 10 month period, XXXX has continued to not count my ( qualifying ) income-based repayments toward the loan forgiveness program. 

I was starting to wonder what could possibly be happening with XXXX XXXX, so I did some research and learned that they were being sued ( before the DOJ intervened last month ) by the Massachusetts AG for this very issue and for never correcting the problem. This is financially a very scary prospect for me since I am not paying off my high interest-bearing loans assuming that I will receive the forgiveness.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Western-Shamrock Corporation (TX)

Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. 


XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00}