davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
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. (CA)

I have explained numerous times that Equifax continues to maintain a debt from a collection agency that I have never had any dealings with and should not be able to maintain my social security number. Equifax stated that the collection agency has proof my identity. However, they should not have proof of my identity because I have never had any dealings witht the collection agency and have never authorize my social security number nor name or any other information to them. I have never signed anything to authorize this. The original creditor will not speak to me because they stated that they no longer have the information because they sold it to the collection agency. But Equifax claims that they collected information from the original creditor. Not sure how, if they wouldn't even speak to me. Nonetheless, the original creditor is not the one collecting the debt of {$170.00}, but it's the collection agency that is doing so and I have not had any business or relation with the credit agency and therefore, they should not be collecting a debt that I do not owe. I have reported to Equifax in the past that debt is fraudulent and that someone must have used my identity to accrue the debt. The debt was not accrued by me. I have had a history of identity theft and that is why over a year ago, I asked Equifax to put a freeze on my account. Therefore, Equifax should not be maintaining the {$170.00} on my account for the sake of being paid to do so. This is a fraudelent debt, my identity stolen to accrue this debt and I would like for it to be removed immediately. Thank you.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is XXXX. Thank you, XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

I have logged 9 complaints with Lexisnexis it took 6 complaints for them to correct an address change I logged with the CFPB. Again now they still are reporting false and misleading information in an effort to resolve this issue I reached out to there number listed on the report and guess what it does n't work says not available. Please check for yourself Below is there contact information try it If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXXXXXXXXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

There is a billing error on my discover statements that were sent to me. I have notified Discover of the billing error thats on the account. A consumer credit transaction took place when this account was opened. I used my credit card Pursuant to Truth In Lending Act 15 USC 1602 ( l ) the definition of a credit card is a card, plate coupon book, or other credit device to obtain money, property, labor or services on credit. The credit card has an open end credit plan because there are repeated transactions that takes place when I use the credit card. There was an uninformed use of credit with this transaction and this is unfair billing practices. Discover failed to give an adequate notice Pursuant to 15 USC 1602 ( k ) ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

I made an uninformed decision because the pertinent facts of this credit card agreement was not clear and conspicuous to me and to which I could understand its meaning. 

This would result in unauthorized use on my credit account Pursuant to 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I did not benefit from this transaction. 

Please see the attached letter as well for more explanation of the billing error on the account
Consumer complaint received 2017-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

dates from XXXX XXXX XXXX TO XXXX XXXX XXXX EQUIFAX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. EQUIFAX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX PUBLIC RECORDS 1. TX BANKRUPTCY XXXX 2. TX BANKRUPTCY XXXX 3. MO BANKRUPTCY XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Consumer complaint received 2022-12-15
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: CL Holdings LLC (SC)

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX  {$290.00}
Consumer complaint received 2017-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

On XXXX/XXXX/2017 after repeatedly advising Navient reps to stop calling every five minutes the following letter which will offer CFPB insight into my issue with this company. Dear Sirs, I have a loan with Navient, originally with XXXX XXXX. My loan came out of deferment the same week I lost my job. I advised Navient I had no resources to pay and asked to extend my deferment. My co-signer could not assist with the payments. XXXX XXXX was not aware she was a co-signer and she lives on a SSI fixed income. I will graduate by EOY and expect to find viable income and had planned to set up some type of affordable payment arrangements with Navient to satisfy my debt, BUT in light of the fact that Navient has terrorized me and my elderly mother I am now determined to seek solace from the Navient with the help of CFPB. Navient call our home and cell phones 7 days a week beginning at XXXX in the morning until XXXX at night. A print out of our cell phone bills and house phone shows that Navient calls back to back within minutes. The phone records also show that the calls per day are at minimum 10 times per day even when we speak to a rep. One Navient rep informed me that Navients phone lines are not linked therefore they can not see each other 's notes. Supposedly each office is independent and not aware when another office makes customer contact! Huh? Another Navient collection tactic is they use many many different numbers. I started creating a new contact for every Navient call. I am now up to 5 contact numbers. This is harassment in the highest form. I worked collections for 3 years and was extensively trained in FDCPA rules and Navient has violated every rule. I am forwarding this letter to every credit and government agency and the BBB. No one should have to suffer collection efforts ALL day EVERY day. Sincerely XXXX XXXX XXXX
Consumer complaint received 2018-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Dear sir Prompted by the surge in cryptocurrencies in end of XXXX, I registered on the website www.coinbase.com ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX with my email address XXXX and paid them in a few transactions- 1 ) EUR XXXX ( GBP XXXX ) on XXXX XXXX by bank transfer. This transfer was rejected by the Coinbase system and was returned to my bank account. ( GBP XXXX ). There was no reason given for this rejection, and I have lost XXXX ( GBP XXXX XXXX XXXX and XXXX pence only ) in  the process of currency conversion. 

2 ) XXXX ( GBP XXXX XXXX XXXX and XXXX XXXX pence only ) on XXXX XXXX ( using debit card ) to buy XXXX -This transaction was made on request of Coinbase customer care executive ( XXXX XXXX. XXXX XXXX ) to verify account, and I was told this will be refunded immediately. However, this amount has since been lost somewhere. 

3 ) XXXX ( GBP XXXX XXXX and XXXX only ) on XXXX XXXX ( using debit card ) to buy XXXX XXXX This transaction was made by the customer care official, when he took my debit card details on the pretext of refunding the first transaction. ( I didnot authorise this transaction, this money was stolen from my account ) This amount has also since been lost somewhere. 

4 ) XXXX10 on XXXX XXXX ( by bank transfer my from bank account ) This was a test transaction I made to ensure my account was still valid. 

So far, I have lost XXXX ( GBP XXXXXXXX XXXX XXXX only ) in fraudulent transactions and bank charges. 
In the process, I have so far purchased XXXX. However, I have no option to sell it back/convert to GBP. 

I wrote to Coinbase on XXXX XXXX, and I got an email from them on XXXX XXXX saying Unfortunately, due to the technical nature of most digital currency networks, it is impossible for us to reverse this payment and we are unable to provide any mediation with this matter.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (AZ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2017-02-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My loan was sold to XXXX in XX/XX/XXXX who subbed out the servicing to LoanCare. I have made over 10 phone calls and multiple emails to get them to accurately set up my loan and the only person they will let me talk to is a customer service rep who is limited in their actions. XX/XX/XXXX was the cut over date and the original bank ( XXXX ) sent them the wrong property tax bill. Easy fix I think, well here we are over 60 days later and its still wrong. The first analysis they did at my request the ended up sending us an {$800.00} check for the excess escrow funds. I requested a second analysis on XX/XX/XXXX since the first one was incorrect and I sent them the correct property tax bill and made subsequent phone calls to get an update. No update, lots of promises that a supervisor will call me, that the issue is expediated. Same scripted responses from each customer service rep and those are the only people you can talk to. Email responses are simply canned emails that assigned a ticket number. Well, I have never received the promised call backs or a solution. Today I look at the account online and I see not only did they not make the correction of the property tax they increased my monthly payment. In addition they are going to be sending out my property tax payment which will pay a a year and a halfs payment! What in the world? This is the most inefficient company with the absolute worse customer service available. I am a borrower who has received nothing but a run around and now I can only think of legal action to get this done so I can refinance and LOANCARE pay the costs. I am an office manager for a law firm and looking closely at my options. It 's not rocket science to have this done correctly. My property taxes are reduced to {$510.00} a YEAR due to my husband being a XXXX vet ( A TERRIBLE WAY TO TREAT A VETERAN ) and this company show our taxes at {$2300.00} a year plus are getting ready to send the county over {$1300.00} as XXXX of the payment. How in the world could they have come up with a payment increase when clearly my payment should be decreased and we are due another refund. This company is hanging onto OUR MONEY, it is not theirs but obviously they are using my funds. Let me make this easy : Here is the breakdown : Mortgage {$750.00} Taxes XXXX ( {$510.00} annually divided by XXXX ) rounded Ins XXXX ( {$770.00} annually divided by XXXX ) rounded TOTAL MONTHLY PAYMENT : {$850.00} How in the world does that add up to {$1000.00} dollars a month? Does n't matter what I do I can get this corrected!!!!! 

TAX BILL EXCERT : FIRST INSTALLMENT DUE SECOND INSTALLMENT DUE XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL TAXES DUE XXXX LOAN CARE CLAIMS : Payment Amount {$1000.00} Home Owners Ins : XX/XX/XXXX {$770.00} ( they got this correct, but it is the only thing correct ) COUNTY TAXES SemiAnnual XX/XX/XXXX Payment {$1300.00} TOTAL TAXES {$2600.00}
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (MD)

Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WI)

In XX/XX/2018, XXXX XXXX was removed from my credit bureau. I contacted the company to notify them that this should not be on my credit report. I told corporate that I signed a release form which removed me from the apartments lease. They didnt have any of my information on file. Now they are reporting AGAIN on my credit report. This is not my debt. I signed to be released from the lease.
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IN)

I had  a walmart cred it card through synchrony bank. I was behind on payments and they sent it to  XXXX   XXXX   XXXX   XXXX  for collection. I called them on  XXXX     XXXX    2016  and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called   XXXX   XXXX   back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  Walmart is  calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by   XXXX   XXXX   and Synchrony/Walmart. I have other  Synchrony ac counts and none of them have done this or offered to.