davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We have ( had ) our mortgage with LoanCare LLC aka XXXX XXXX XXXX. We paid off our mortgage on XX/XX/2021. I have been trying to contact someone at LoanCare for several months, first to find out about refinancing, then to get our payoff amount, and finally to find out about when we will receive our escrow refund. 

I have called the customer service numbers but all of them send you to an automated system that does not let you talk to a person. I tried contacting them through their website but no one ever responds. 

I believe they are a fraudulent company at this point and there are numerous complaints about them throughout the internet. They owe me money and I want it now.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been a Capital One cardholder since XX/XX/XXXX. 
I have always made my payments on time. I lost my job during the coronavirus crisis. 
I contacted Capital One for assistance. In XX/XX/XXXX, I called Capital One to be enrolled in a Relief Program. Capital One informed me that I will be enrolled in a Specialty Assistance Program.

After Capital One enrolled me in Specialty Assistance Program, my monthly payments went up. 
I wrote Capital One and informed them of the inaccuracies and requested that they correct them. 
Instead of helping me Capital One ruined my credit. 
Capital One did not respond or correct the inaccuracies on my Capital One Account Statement.

Is their Specialty Assistance Program a shell? Instead of helping me they have been deceptive, unfair and ruined my credit. 
Capital One sent my account to collections. 
I wrote them but they are still calling and harassing me.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I sent XXXX XXXX from PayPal XXXX XX/XX/ at XXXX XXXX to XXXX XXXX XXXX via debit card transfer that only takes 24 hours to post and it never was deposited into my account. PayPal still has the money and never completed the transaction although they told me they did.
Consumer complaint received 2021-05-26
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: SYNCHRONY FINANCIAL (AL)

XX/XX/XXXX I sent a letter to the credit bureau to validate the debt on my report being that the company was reporting two accounts. I got an updated account response when asked for deletion. I sent another letter XX/XX/XXXX to the credit bureau for deletion on both accounts for inaccurate information reporting XXXX deleted one account but not the other one I sent evidence of the inaccurate information. The other XXXX and XXXX did nothing but update the information which was inaccurate. XX/XX/XXXX I sent another letter to the credit bureau with evidence on the inaccurate information still no deletion.XX/XX/XXXX I sent a letter to SYNCB/Care to delete the account due to inaccurate information no deletion or response. XX/XX/XXXX I sent another letter to SYNCB/ CAR Care for deletion due to inaccurate information they ignored me again only to update the inaccurate information. I pulled my report again today XX/XX/XXXX and they are still reporting inaccurate information.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MS)

Last week, I transferred XXXX XXXX  from my private account to my Coinbase account. All went well. I then transferred XXXX XXXX ( {$6000.00} ) from same private account to my XXXX account and it never came through. I checked and rechecked the addresses. The receipt shows that it was indeed received and processed by the Coinbase servers. I contacted customer service and received an automated response stating the issue would be resolved in 3-5 business days. 
I have reached out to Coinbase customer service over a dozen times with no success. 
Case # XXXX
Consumer complaint received 2021-03-17
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. (AK)

First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.
Consumer complaint received 2021-10-07
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. (FL)

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. Equifax has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

I have sent documents to verify my identity to Gemini on the XXXX XX/XX/2021 and have since received no response. Despite numerous attempts at contacting them I am yet to have a response, their customer service is appalling. I am unable to use my account until it has been verified.
Consumer complaint received 2021-05-26
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. (MO)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-17
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. (LA)

1. XXXX XXXX- account closed XX/XX/2019- Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay.

2. XXXX XXXX- Account closed XX/XX/2019 - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has a fraudulent account on my credit report. Ive submitted proof of claim including a police report and other documentation however they continue reporting this false information.
Consumer complaint received 2021-05-26
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. (SC)

Im in the process of purchasing a mortgage loan and I had a dispute remark on my Equifax credit. I needed the remark removed before I could proceed with purchasing the home. Last month in XXXX they was able to remove the remark the same day, but the remark would keep appearing after a week. The remark came back in the beginning of XXXX and I called Equifax to get the remark removed. They told me it could take up to 30 days but the previous month they was removing it the same day! I kept checking every day to see if the item was removed and the customer service reps kept telling me the item was removed. I specifically asked has the item been removed and if my loan provider run my credit will the remark not show. He stated yes its been removed and it will not show. My loan provider ran my credit report and the remark was still showing. This happened two other times this month with Equifax reps telling me the item has been removed. I kept asking to speak to a supervisor and they would hang the phone up in my face or tell me a supervisor isnt available. I spoke with one rep and he told me the previous reps didnt know exactly what they were doing and every time I called they started the dispute over and kept putting in the wrong code for the item to be removed. My item still has not been removed from 3 weeks ago and the seller has decided to take another offer on the house. I have been able to get this matter resolved with XXXX and XXXX immediately, but Equiifax is not being professional and dont have the necessary training. I am speaking to a lawyer about this matter because theyre ruining people livelihoods. I have names of the reps and the supervisor and confirmation numbers. ( Supervisor name ) XXXX XXXX and service rep XXXX XXXX
Consumer complaint received 2021-05-26
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-26
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: EQUIFAX, INC. (NY)

The accts listed below are in violation : 1.XXXX XXXX XXXX XXXXXXXX 2.XXXX XXXX XXXX- XXXX 3.XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 4.XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (NV)

On XX/XX/XXXX, I applied for a secured credit card from First Progress. 
On XX/XX/XXXX, I paid First Progress {$2000.00}. My Credit Card Available Credit was to be adjusted to {$2000.00} First Progress agree to send a credit card for this account within 2 weeks from the date of my payment on XX/XX/XXXX. 
First Progress did not send a credit card until 30 days later. 
When I received the credit card and attempted to activate the card, First Progress claimed the card had been deactivated and a new card had been sent to my address. 
I never received a second card. 
I called First Progress to request a new card. 
First Progress still never sent a new card. 
After more than 60 days had passed, I demanded that First Progress close this account, remove it from my credit report, and refund my entire {$2000.00} payment. 
First Progress Authorized Representative agreed to close the account, remove it from my credit report, and refund my entire {$2000.00} payment. 
As of XX/XX/XXXX, First Progress has since requested a refund of the amount they returned to me and they have reopened this account fraudulently after closing the account. 
First Progress now has {$2000.00} of my money and refuses to provide access to this account, provide a valid credit card, and they refuse to refund my entire payment. 
I am now in distress and suffering financially because First Progress has caused my checking account balance to be negative {$2000.00} and I have no access to the funds they claim are available via a credit card account I do not have access to.
Consumer complaint received 2020-06-22
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE
Consumer complaint received 2021-05-26
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. (AZ)

XXXX XXXXXXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXXXXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (LA)

NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (AK)

I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.
Consumer complaint received 2021-05-26
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-05-20
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)

I have sent certified letter after certified letter to Transunion as well as the other credit reporting agencies regarding accounts in error on my report. Transunion originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " XXXX XXXX '' as I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked XXXX where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.