davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In XXXX of XXXX, my wife and I executed a lease with XXXX XXXX XXXX XXXX, as we were having a home built. The end date was XX/XX/2019. 
On XX/XX/XXXX I contacted XXXX and said we would be vacating early and chose a date of XX/XX/2019. XXXX accepted that date and agreed to market the home accordingly. They instructed us by email and letter as to how to leave the home on XX/XX/2019. They rekeyed and denied access as they had accepted the home back on XX/XX/2019. 
Beginning in XX/XX/2019 they claimed we owed rent through XX/XX/2019. 
I have requested numerous times they correct and in each case they have unilaterally refused. I have offered 3rd party arbitration or court and agreed to abide by any 3rd party findings. 
They then reported derogatory information to the credit agencies, and I disputed all. 
My position is that I paid through XX/XX/2019 as agreed and they have unilaterally taken steps to damage my reputation, XXXX XXXX and such. 
I have attached a portion of my supporting documentation. 
They took the house back on XX/XX/2019.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (GA)

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXXXXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-03-24
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. (TX)

XXXX, XXXX, experian credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXXXXXX. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

To whom it may concern, I have tried several of times to get manners escalated directly with Paypal. My account was closed and terminated at XX/XX/2022 Stating that I have Been in violation of PayPal use of services and policy. However this is incorrect and I have not violated any of PayPal 's use of service. I have about {$28000.00} in my PayPal account that is also on hold for 180 days which is unlawful as well as a violation. I am demanding for my account to be reopen and for my funds to be released within five business days of receiving this complaint or I will move forward with filing a litigation against PayPal. A client of mine attended a free event where I gave out numerous of resources on how to create passive income to becoming a first time home owner. The client after four days of attending the event she decided to book a consultation with me and got confused if I provided credit repair services. She was not able to do the phone consultation because we stated to her that we were not able to help her with credit repair services because we do not offer that. She file dispute to open the case For a refund and decided that it was in her error But when she called PayPal to close the case, she state they refuse to do so immediately! After PayPal decided to hold my funds and close out my account. My client and I have tried numerous of times to get in contact with Paypal in regards to this issue but they have failed to get matters escalator or to acknowledge our concerns. She simply book a personal coaching call in needed a few guidance, however the money is still on hold. I refuse to be bullied from using my Federal protected consumer rights with Paypal code business and ethics. To hold my funds for 180 days is misusing their fraud and banking model. Behaving ethically And responsible means Doing the right things in all situations, This hardly seems compatible with people being out of business and their money. The Paypal website is replete with stories of person 's put out of business due to by Paypal 's actions. Many small business have great difficulty due to having their funds frozen. ( Pay- Pal community web ). I will attach proof of the conversation between me and my client trying to get a payment released and case closed. My business also has a five star ratings on XXXX and nothing on my website advertises that we offer credit repair services or sell any type of insurance.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with XXXX XXXX XXXX. Previous to COVID, I had never missed a payment or even been late a single time in 16 years. My credit was well over XXXX. This changed when forbearance ended and XXXX XXXX XXXX started using 'Shellpoint Mortgage Servicing ' to service their loans. I spoke with them and was assured of a smooth transition. I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue FOUR DAYS after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem on XX/XX/XXXX. Please help ASAP. 

thank you! 
- XXXX XXXX
Consumer complaint received 2022-08-02
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CO)

My daughter and I, XXXX XXXX, signed up for automatic payments for our student loans with Sallie Mae. In doing so, they told me that I would receive a discount of .25 % on my variable interest rate. The discount was never reflected on any of the automatic payments I made. Tried numerous times to get the information requested from Sallie Mae. Was told a supervisor would call me back but no one ever did. The statements I reviewed online still had the original interest rate when the payments were posted. Why would Sallie Mae advertise a .25 % discount when you sign up for automatic payments when they do not honor? Please help!!
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, 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 2022-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coinbase, Inc. (CA)

Hi, I have a problem with Crypto Coinbase.. Randomly one day I received XXXX dollars into my coinbase account. I never got an email saying money was deposited anything. it didn't even tell me if I was purchasing crypto. First thing I did was contact live chat support on coinbase 's website, asking how I received the money.. they had no clue.. so I went with it, I thought " well Thank you ''. So I let it sit in coinbase 's account for about a week.. then I wake up XXXX day to XXXX dollars in my account and a fee, it said I need to pay coinbase a fee of XXXX dollars. at the time I was XXXX ( now XXXX XXXX XXXX ) I dont have job, I dont make XXXX let alone XXXX I have contacted Coinbase support for help and they told me its my fault... I didn't do anything wrong, why do I have a debt for coinbase 's doing.. I wasnt the one who did all this, I didnt put XXXX into someone account, they did.. so I started to think my phone got hacked or something.. I reset everything on my phone, Passwords, email, etc. Ive asked them if they can help in anyway. They told me to contact law enforcement. now they will not reply to me at all and I dont know what to do.. Im scared this is a life changing amount of money for me, and I don't want this to go to my credit.. this is emotionally hurting me everyday, I wake up thinking about it and I fall asleep thinking about it.. sometimes i cant sleep because this XXXX hurt.. Where am I going to get XXXX from???. I have begged and begged for help in emails and tried to call coinbase, nothing seems to be working..
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, 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 2022-10-13
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: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The ExperianCredit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2022-03-09
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. (FL)

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00}
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

Hi, My name is XXXX XXXX, I have a debt from JPMCB Card under the account # XXXX that isn't my debt. I have no knowledge of this account neither have I partaked in any business with this lender or conducted any business. My identity was compromised in a data breach back in 2017 so I filed a FTC complaint in which I will attach regarding this complaint.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (CA)

Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP. 

thank you! 
- XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, 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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MERCHANTS CORPORATION (IN)

I had a fraud dispute, where the merchant was still taking money from the account after it was closed, that was denied on XX/XX/2022 with no investigation. First Merchant states in the final determination letter that I have the right to request copies of the documents that was relied on to making they determination. XX/XX/2022, I called in to customer service stating that I need documentation of the decision from the merchant and the first merchant bank. She stated under the tab its usually a document from the merchant or notes supporting why the decision. She said " there's nothing here on my end that I can send you just of what you sent in from the merchant ''. XX/XX/2022, I called back seeing has there been any updates on the account for me to pick the documents up, another customer service rep stated " you will be able to go to the branch and get them print off ''. I arrive to the Plainfield branch where XXXX the bank manger assisted me. He stated " there's nothing he can be able to give me because he doesnt see nothing. '' I have filed a case now with the Indiana Attorney General. First Merchant is stating I have the right to my documents regarding this dispute but there's nothing available. The bank did not do an investigation on dispute like a fraud case is supposed to be done. On first merchant end and the merchant " there has been no communication before the claim was closed ''. First Merchant bank waited till the 9th business day to open the dispute and the 10th business day to close without any investigation. Please send over as soon as possible the documentation from first merchant bank and the merchant.