davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (PA)

Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however equifax, and XXXX along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Consumer complaint received 2022-01-31
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: States Recovery Systems, Inc. (MD)

On XX/XX/2022 States Recovery Systems added a degratory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and therefore I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the XXXX States Recovery Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (CA)

Hi there, In 2019, I was a victim of identity theft because I had lost my wallet at the time. Inside my wallet, contained information such as my ID and SSN card. About a month after this incident, I got a notification on XXXX XXXX that there were multiple inquires made on my credit profile. All these inquiries were for car loans. What I am complaining about is the Carmax Account. I have sent multiple disputes but nothing has been done. 

CARMAX AUTO FINANCE ( Opened XXXX. XXXX, XXXX Balance {$27000.00} ) Can you please remove it from my credit report.
Consumer complaint received 2021-02-10
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: Progrexion Holdings, Inc. (KY)

I was needing some help with credit .com I seen it on tv and then I tried it and my pc said dangerous sight after I joined and asked them to cancel and destroy my personal info and they never responded I thank they are using my info they are not responding but this is what the spammer sent me We detected that your information was found in at least one data breach. 

XXXX, XXXXXXXX XXXX has scanned the internet and detected that your information was part of a data breach. Log in to your XXXX XXXX account for more information.
Consumer complaint received 2024-08-10
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. (MA)

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file.

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (IN)

This is a formal complaint against CBS for reporting invalid credit information. On XX/XX/2021, CBS reported a {$150.00} collection account on my credit report that is not mine. Per FDCPA laws, collection agencies have to send a written notice of debt to consumers before reporting a debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' Prior to reporting this erroneous collection account on my credit report, CBS failed to mail me any letters making me aware of the debt or validating it belonged to me. According to CBS ' own website, they mail customers at least three collection letters coupled with phone calls. After reviewing all the mail captures sent by USPS Informed Delivery to my email and my phone 's call history, I confirm I never received any letters or phone calls from CBS, notifying me of this debit. I am requesting this inaccurate collection account be removed from my credit reports at once. It is causing grave damage to my credit reputation and is unfairly hurting my credit health. Every step must be seized to ensure the data reported on a consumer 's file is error-free and up-to-date. Should you fail to swiftly remove the collection falsely reported, I will file a formal complaint with the CFPB and FTC.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

XX/XX/2021 I attempted to make a deposit of {$1400.00} into my Coinbase account from a bank account that I had closed but had forgotten to remove from my account. 

XX/XX/2021 I received notification that my deposit was denied due to lack of funds. I was informed I had 5 business days to fix this before they would liquidate the cryptocurrency positions that I had made with the money the loaned me reclaim it. ( Coinbase " lends '' you the money pending the completion of your ACH deposit, so you don't have to sit around waiting for the cash to arrive, you can dive right in and generate commissions for them. ) Embarrassed, that I chose the wrong bank, I immediately fixed it. Again, I ddi this on at was on XX/XX/2021 There was a link in the email that said " Deposit Funds '', so I made a deposit of equivalent size from an open bank account {$1400.00}. 

Coinbase sent an email to me on XX/XX/2021 telling me that the account recovery was complete and they unfroze my account. 

On XX/XX/XXXX, they sent me another email telling me about the failed deposit on the XXXX and that they were going to take the money from my account. 
This is after I repaid them and they unfroze my account. 

Also on XX/XX/XXXX, they took all of my cryptocurrency from my account.. All of it. 

I understand that they had a right to retrieve funds - but I made a " good '' deposit to cover the " bad '' deposit the next day. Furthermore, somebody made a mistake and they actually admitted it in an email. " oh yeah, i see the deposit from XX/XX/XXXX right here '' They do not answer their customer support number. They do not make outbound calls. They do not respond to emails with anything except copied and pasted responses which do not address your issue. Basically they pull up the drawbridge and ignore the peasants. 

I filed an internal complaint about this with them on XX/XX/2021 and according to their terms and conditions they were supposed to get back to me within 20 business days. They haven't done this. They said my case is still pending. Of course, that is because they have been stealing from a lot of other customers as well. There is a backlog of fraud at coinbase. 

The facts are in my bank accounts and even in my coinbase account it shows that I repaid them the money the same day, and they still stole the money out of my account. 

In their terms and conditions it states that by using their site I waive my right to sue them and have to use binding arbitration. I can only request binding arbitration AFTER they review my complaint with their internal review. They have had my complaint for a month and there is no end in site. There is no idea how long that will take. 

Finally, I am not the only victim of this. The Internet has dozens of similar complaints from people.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

On XX/XX/2019 I signed an addendum to a rent agreement that legally removed my name from the lease. The staying tenant also signed, agreeing to take ownership and responsibility of any charges on the account. I was forced to move out due to XXXX in the household and a XXXX XXXXXXXX order against the staying tenant. Due to the XXXX, the landlord and leasing agency were not allowed to hold me responsible for the charges, and they had a copy of the XXXX provided to them for proof. Also, a copy of the signed addendum removing my name and clearing me of the responsibilities. Now my credit statement shows a collections account from the landlord trying to make me pay {$4000.00} on an account that is not legally my responsibility. I tried to dispute the charge several times but the customer disagrees, being the landlord wants to make me pay the charges. I would like for this to be removed as it is not my account to pay for.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I first received this letter from I. C. Systems regarding a account with XXXX Cable company. I have never had account with XXXX cable company. I sent a letter of verification of this debt and have yet to hear back from I.C Systems with proof that this is my account. I am requesting assistance in stopping this company from sending me bogus collection letters for a account I have never had with this company XXXX. I have always had XXXX XXXX XXXX cable.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

My employees moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Never received any follow up even after requesting. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I need this removed from my credit completely.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

Diversified Adjustments Re : XXXX Thank you for taking the time to review the complaint regarding the publishing of harmful data on the credit profile. 
Multiple attempts have been made to request a series of questions regarding this information. 
I have previously demanded that your company validates the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you know, your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter. You have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of inaccurate information or which can not be validated. Specifically, you have communicated and are continuing to share incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any necessary steps to protect my rights, including, but not limited to, the commencement of legal action. 

Thank you in advance for your immediate attention to this matter.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX the bank froze my account and took money out of my account never received a notice why this was happening now they unfroze y account but didnt put the money back they took out now Im in negative never got an explanation or anything
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Ive made monthly payments on my card until the balance was paid. They then sent another invoice claiming a $ XXXX {$4.00} balance then applied a late fee due to their website being inaccurate on the final amount due for pay off. 

I called and spoke to them regarding the error and was told they could not remove the late fee because the account was closed. I then paid again the pay off amount. 

I get another bill in the mail for {$2.00}. I go online yesterday to pay it. There is a notice online that they are experiencing problems with their system. ( No doubt! ) I manage to get in my account and try to pay the {$2.00}. It requires me to add my bank account, I try adding my bank however the system says that my bank account is already listed. It is not! And I was not able to select any previous banking information to make a payment. System error again! 

I notice while I was trying to make my payment that my account indicated I had {$900.00} ( something credit ) which I thought was strange for a closed account. 

I try again today to log in to pay {$2.00}, and my account says closed cant make a payment please call customer service! 

I have had quite enough with this company! I want the {$2.00} fee removed and my account back open! I dont plan on spending, but I want my line of credit back and I want them to stop hounding me about {$2.00}!
Consumer complaint received 2021-02-10
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. (OH)

My Trans Union credit report is 20 points lower than my XXXX  with the same exact information I am never been late on anything in the last six years since Ive declared bankruptcy because I had XXXX and paid all my bills Im on time and Trans Union is always behind now the 20 points behind
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

We pay our mortgage through an automated XXXX XXXX system that is scheduled monthly. We've been paying our mortgage successfully and on time for over a year. In few months ago we received a letter saying we were late on our payment. I checked my bank documents and it was sent at the same time as every other month. There was no reason why my payment should be anywhere close to late. 
But you see LoanDepot decided to have two servicing offices. Which seems like no big deal but we had to change a bunch of things. Our payment address changed, our account number changed and we even had to sign in online to a totally new area because we had to create a new online account. This is ridiculous. The new servicing office doesn't have a way to electronically take payments from the bank so now every payment we make clears our account and doesn't get processed until 2-3 weeks after it's been sent. I feel like they are purposely making it hard to do business with them in order to make more money on late and interest fees. I would be wary of doing business with them again. 
If CFPB did an audit on loanDepot I bet they would find an astounding amount of customers that had issues after splitting into different servicing offices. They know what they are doing isn't illegal so who cares, right? I do. Hopefully something will change, for the better, soon.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NJ)

Due to covid from 2019 going forward i was unable to manage a car payment. I didnt know that by giving the car up they would process it on my account when I was able to make arrangements once I found a job when I gave the car up they sold the car at the auction for close to {$3000.00} they didnt apply that balance to the loan so now its like Im back paying for a car from its original payment. I should not be responsible for paying the amount that I purchased the car for what type of unnecessary fees through Westlake financial services they have taken me to court and try to make it seem like they didnt sell the car on top of the mega payments, and still XXXX on saying that I owe almost {$6000.00} that has been reported to the credit. They also offered me to pay {$1000.00}, but they want it all at once and I afford XXXX that I was not able to give it to them all at once. However, I can break those payments up because I had just begin working again. They stated that they can not take the XXXX dollars then out of nowhere I receive a letter in the mail for Court.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

i was a victim of identity theft I have police report of fraud and my information being used to buy cars and phones, etc my credit was run multiple times not by me I would like to take all the hard inquires off my credit report and others that's is not mines. 
these are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>