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 — Information belongs to someone else
Company: CCS Financial Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... CREDIT  COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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 — Information belongs to someone else
Company: Navient Solutions, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I received a call from someone stating that I owed Providian XXXXXXXX XXXX  and they would like to collect. I knew it had to be a scam because I haven't had a Providian account in over 20 years. I recently bought a house with a FHA loan and there is no way I could have gotten approved with that bad debt. I told the gentleman that he had the wrong information and that my account with Providian was never that high years ago. A few weeks later the collection showed up on my XXXX XXXX report only. I disputed the collection by internet and by phone and both times XXXX XXXX said the debt was valid and it will stay on my credit. No other bureaus or XXXX XXXX has shown a Providian account on my credit good or bad in the last 20 years so how can I prove it's not valid when they say that it is. I am requesting help to have it removed immediately and fine them according to the rules.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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 information incorrect
Company: EQUIFAX, INC. (PA)

Under the FCRA Equifax, XXXX, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (MD)

Paxful is holding my XXXX in escrow. 
Paxful has deliberately ignored all my attempts to get admin into the matter for three months now and thereby letting my coins to be stuck in escrow. 
Trade ID XXXX Amount XXXX XXXX Date XXXX, XX/XX/2022 This report is to serve as my intent to sue Paxful in the small claims court if Paxful does not send a moderator to look into the situation and release my funds from escrow.
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

XX/XX/XXXX my coinbase account was compromised. This happened by my email getting hacked and my cell phone number then getting ported out or sometimes called sim card swap. I contaced coinbase to let them know, I received an email immediately saying my account had been locked for security reasons. I was asked to submit photo **s and other requisite information for security and told VIA EMAIL that my account should be re-activated by XX/XX/2022, I called and spoke to 'customer service ' Their customer service is a sham, unable to escalate or provide any meaningful solution. The 'agent ' i spoke with then sent me another link to re-upload my ** data via a 'XXXX  " Portal. Immediately, I uploaded my ** data AGAIN, in the fashion requested ( see supporting doc ). I called to follow up AGAIN on XX/XX/XXXX, only to be told Coinbase 'backoffice ' has to check the ** data I submitted and customer support said 'they are not able to escalate anything ' - basically, I am locked out of my money,, and they are providing NO solution to this problem. As far as I am concerned, this is approaching financial crime-status.I can not believe how this company operates. They are operating in an illegal fashion, providing zero solutions and locking me out of my financial belongings. Please assist asap. This is outrageous and unacceptable. I have also filed a FORMAL COMPLAINT with Coinbase, which is Case # XXXX. Today is XX/XX/XXXX and nothing has changed. I
Consumer complaint received 2022-04-27
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: BARCLAYS BANK DELAWARE (NY)

On the XXXX of XXXX Ive noticed a hard inquiry was reported to XXXX on my credit report. I got a notification on my phone from XXXX XXXX  indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is Barclays Bank of DelawareXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. Barclays Bank of Delaware could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. Thank you
Consumer complaint received 2021-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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 — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NY)

XXXX XXXX sent me an email that my credit score changed because there was a Hard Inquiry on XX/XX/21 from Navy FCU. I have never heard Navy FCU prior to this inquiry. 

I contacted XXXX, they said to contact Navy FCU and gave me the phone number XXXX, I called them and they said they didn't have me as a client and did not do an inquiry on me. 

I again contacted XXXX, they stated the definately received an inquiry from Navy FCU. They said i needed to contact FTC.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLIANCE FINANCIAL RESOURCES (PA)

XX/XX/20 Cease and desist letters to XXXX  and XXXX XXXX Loans Payment Plan XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX Total amt paid XXXX XXXX XXXX also doing business as Alliance Financial XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Promise was to modify 1st mtg and to totally alleviate the 2nd mtg. Was told not to make any payments during the process to either com. I was days away form sheriff sale and had to contact my attorney to file bankruptcy so I wouldn't lose my house. Now I am in a predicament that the 2nd mtg is so far behind I may not be able to save the house after all. 
XXXX aka Alliance let me to believe they could help me and did not. Total Scam. 
We got behind due to a tragic event in our family that jus continued to snowball and then I thought I was on the right track with these people and it turned into a disaster. 
I have all the emails and copies of checks that were sent to them. I was instructed to send the checks all at one time and they would deposit into their acct on the specified dates. I
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

Not a duplicate New documentation attached and Contacts have been updated. 
Update since XXXXSee attached XXXX invoice showing credit for full amount credited to our MasterCard XXXX ( not the active XXXX ) on XX/XX/XXXX. Please issue the credit and resolve all fees and penalties. This was an issue between merchant and bank on the Mastercard network. 

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( XXXX and transunion ) all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Step 1 : What is this complaint about? 

a. Willing to pay off mortgage arrears. Waiting 6+ weeks for arrears and payoff statements. Since I have an attorney, Loan servicer - Rushmore will not talk to me. 

b. Previous reinstatement letters and payoff statements provided from Loan servicer - Rushmore, were incorrect and the " categories '' of payments, advances, legal fees, escrow etc.., were mistakenly " switched around ''. 

c. Paid {$56000.00} paid during Bankruptcy but have NO assurance from Loan servicer - Rushmore, that this amount will be included in arrears payoff. 

Loan servicer - Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 2 : What type of problem are you having?

Have repeatedly asked Rushmore attorney and my attorney to provide payoff amounts. Have repeatedly asked Rushmore attorney for a contact AT Rushmore that I can speak to about the arrears and payoff amounts. 

RUSHNMORE ATTORNEY : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Main : XXXX Step XXXX : What happened? 

No response from Rushmore or Rushmore attorney. 

Step 4 : What company is this complaint about? 

Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 5 : Who are you submitting this complaint for? 

Self. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. Florida XXXX. XXXX XXXX XXXX cell.
Consumer complaint received 2021-07-13
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-08-25
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: Experian Information Solutions Inc. (NC)

I would like to dispute the following negative accounts on my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I tried to call Fifthird Bank at XXXX at XXXX XXXX XXXX and XXXX XXXX - which I never got respond from them. I have been calling IRS who said Fifth Third should provide tracking numbers or instructions of {$7000.00} why it was sent to IRS. 
IRS doesn't have the check and also there is no clues. 
Can they give the tracking number and proof that it was sent to IRS or transactions was clear from fifth Third Bank. 
Can somebody kindly help me. 
Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade & Associates, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian upload of documents dates : XXXX XXXX XXXX  : FTC, Drivers license, Car registration for address verification, and Affidavit Experian fails to remove fraudulent accounts and are breaking the law with the IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the creditors listed below are in violation of my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) 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