davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Debt was paid to the original creditor after adjustment by insurance company. Credit Control Corp was never involved and are attempting to defame my profile with XXXX, XXXX, and XXXX  credit bureaus with extremely malicious intent. 

This is evidenced by the recent erroneously and incorrect " XX/XX/2019 update to my XXXX credit file '' for an account ( Re : Acct. # XXXX ), that is/has been paid in full! I have already attempted to remedy this situation with Credit Control Corp to no avail ... .as they continue to criminally defame my character by passing erroneous, malicious, and incorrect information. This inaccurate information SHOULD HAVE BEEN VERIFIED through my two previous attempts to rectify this situation. However, Credit Control Corp continues to persist in this defamation attempt. 

If this continued attempt by Credit Control Corp to defame my character through the passing of erroneous information causes financial harm and ineligibility of me to purchase a new home, I will not stop my pursuit of accountability for their actions. I will pursue ALL legal avenues to remedy this issue pursuant to my rights under the FCRA and through my lawyers advice.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (MS)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
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. (LA)

Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}
Consumer complaint received 2023-09-19
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MD)

I called XXXX XXXX XXXX about having to miss four payments. I felt that didn't show empathy, and was rude. From XXXX to XX/XX/2021, due to going through a difficult divorce. The spouse left the residence and left me in a financial bind. From XX/XX/2021 to Currently I haven't missed a payment. All I am asking to revive the four late payments off my credit report. 

Thank you for your time and consideration.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX I received an email from Capital One bank that my credit card payment was due. I did not knowingly have a credit card with Capital One. I had never applied for XXXX. I did have several savings accounts with that bank. I called them and the bank agreed to investigate why the account had been opened in my name. 

They sent me a letter saying that fraud was involved. I am concerned because I had frozen my credit report with all XXXX credit rating agencies some years ago. I don't understand how Capital One could have accepted an application for a credit card when my credit report accounts were frozen.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (MO)

The company called me once, left a voice message, and then called immediately after. It's illegal to contact someone again after leaving a voicemail. Leaving a detailed voicemail is considered one contact and you're only allowed one contact per day. They aren't even calling me for my debt, it's someone else 's and I'm being harrassed. He said his name was XXXX XXXX on the call ( same name left on voicemail left almost immediately before the second call ) from Alliant Capital Management. They also called my husband. This is an abusive tactic and I expect them to make it right. My father in law 's name is XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NH)

The dates are not perfect, however I made a verbal contract for a 60-month payment plan. The payment plan took effect and successful payments were taken out of my account for 15 months. 

Chase Bank accepted a change of address that I did not provide, nor did I approve. This change of address was not mine. They have yet to inform me how this change of address was provided to them. 

Chase Bank did not inform me that my card would only be charged for 12 months, ( even though it was charged for 15 ) before needing an updated payment. I have requested records of the contract to prove that I was not informed but have yet to receive them. 
Chase Bank says they sent letters to the incorrect address about the request for updated information, which I did not receive as my address was changed without my authorization. 

My account became delinquent without my knowledge has Chase Bank was sending mail to the wrong address, which has affected my credit score. 

When you contact Chase Bank, no one individual person can assist, however every representative puts their hand in the pot before transfers you to someone new. You must be willing and able to spend three plus hours at a time on the phone with Chase Bank, but don't expect any assistance.
Consumer complaint received 2022-08-11
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Burueaus and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (IL)

XXXX  XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Consumer complaint received 2022-08-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

Coinbase.com on XXXX my account was hacked and ~ {$15000.00} dollars was withdrawn to an external bank account. This bank account was added by the hacker. This was not simply a stolen cryptocurrency transaction. The hackers converted all my crypto holdings to USD and withdrew them to their bank account. 

Coinbase support is non-existent. I have gone through their proper channels with filing a support claim only to get canned response emails telling me to secure my account and verify my identity ( i did ). Dozens and dozens of emails attempting to obtain more information about the hack have been fruitless. 

Coinbase has not responded to requests to send me the uncensored bank account information which my USD was withdrawn to. All records refer to this account as ( for example ) XXXX. 

My account has app based 2 factor authorization required to withdraw anything from my account. I believe coinbase has fundamental security flaws which led to this theft.
Consumer complaint received 2019-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Independent Savings Plan Co. (VA)

On XX/XX/XXXX My ex husband and I entered into an agreement with ISPC for the purchase of a water system for my home that I had just purchased. We signed the dotted line but there was no explanation that there would be a XXXX filing ( lien ) against my property, if I had known I would have never agreed to buy the system. My husband and I got divorced in XX/XX/XXXX and I was left with the payments, In XX/XX/XXXX, I filed for bankruptcy and I included ISPC in it. I did not find out about the XXXX filing until XX/XX/XXXX when I saw a physical copy that was sent to my lawyer 's office. In my statement of intent, I declared that I would be returning the financed equipments because I was no longer financially liable for it. At my hearing, the trustee asked me to call the finance company ( ISPC ) so they can approve the vendor ( XXXX XXXX XXXX XXXX ) to pick up the financed equipment. Well, XXXX which is an employee in ISPC legal department has been giving me the run around since XX/XX/XXXX. On XX/XX/XXXX, I called the company ( ISPC ) again, telling them to pick up the financed equipment because that was the reason why they filed a XXXX on my property, I was told that even though I am no longer financially responsible, my ex husband was. I provided them with my ex husband address and phone number, he relocated to a different state since XX/XX/XXXX, I do not have contact with the man. ISPC is guilty of unfair and deceptive tactics, no homeowner would agree to jeopardize their home over an overpriced water system that is faulty.
Consumer complaint received 2022-04-06
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. (TX)

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to TransUnion, XXXX and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
Consumer complaint received 2021-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (IL)

I get a alert from my third party credit monitor that a account was reported delinquent 30 days so I look to see who it was and it was West Creek Financial delinquent XXXX past due 10. Now my account has been current for a year now even when I called them and made partial payments they still reported the account current now I have 1 more month to pay them originally was XX/XX/XXXX but due to financial issues which I explained even when I changed my payment dates I have a scheduled payment coming out on the XXXX of this month they couldn't even wait til that payment comes out which would have decrease my amount owed its ridiculous how they waited until I had 1 more month to finish out this account to do this I spoke to a customer service rep about this and all he keep asking can I make any small payment towards the account now remind you I got a payment for the full monthly amount coming out on the XXXX he checks oh yes you do have one then when I asked since that payment is going towards this XXXX that would decrease my amount owe oh yes it will so I asked him about the reporting they did oh we report to XXXX  so I said what about this 30 day delinquent you all reported how is that going to work since I have a payment on the XXXX and that decreases the amount owe which it will bring it to my regular monthly payment which will not make it 30 days delinquent.He tells me that third party credit reporting has not updated yet it takes a while but how was I able to see this 30 day delinquent and I seen it on several third party credit reporting that I have access and get alerts from I think that West Creek Financial is wrong for doing this after waiting a year to report this. And since its still a pandemic aren't company 's are not supposed to report account delinquent even if the consumers make some type of payment or arrangement with companies? I only missed 1 payment back in XXXX had a finance issue which I do call them and since then made partial or some type of payment towards this account. This has affected my credit tremendously.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (FL)

Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (WA)

On XX/XX/20, I couldn't use my Key Bank Key2Benefits card for a debit transaction I had to use credit. I then tried logging onto my account to no avail, I was locked out. After numerous attempts of calling my bank and being placed on hold for over an hour I was able to speak with a representative I had to ask about recent transactions, as I was still locked out of my account, there was a {$500.00} transaction that I did not authorize so she cancelled my card and ordered me a new one, expedited overnight for {$12.00} ( that didn't show up for 4 days ), She started a fraud claim and issued me a number. I called again on Monday XX/XX/20, to check the status of the claim I was on hold for over an hour then transferred to the fraud department and placed on hold for over an hour and finally spoke to a rep. she couldn't find the original claim so she started a new one. Today is XX/XX/20, I have yet to hear from my bank nor have I seen my funds.
Consumer complaint received 2020-10-15
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 (NC)

XX/XX/2020, XXXX XXXX  a charge for {$1700.00} and {$49.00}. Notification was sent to rescind the contract on XX/XX/2020. 
The charges are still on my account. 
The representative at Barclay would not allow me to dispute these two amounts. The person would not allow me to speak with the supervisor.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

I have not been able to pay my mortgage for 7 months. I closed my business XXXX XXXX, 2019 because I could no longer make ends meet. I am XXXX yrs.old and living on social security only right now. 
I wanted to put my house on the the market back in XXXX or XXXX, but XXXX XXXX and XXXX at Pinnacle Bank said I could not do that til I paid the payments I was behind on. I believed them, but found out in XXXX that that was false information. Now the house is due to go to auction XX/XX/ 2019. I would like time to sell my house and pay what I owe.
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc. (TX)

XXXX is misusing my credit information. He works for Experian he is not allowing me to speak with a manager. He is refusing to allow me to speak with the manager. He is providing my information to third parties.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I contacted XXXX in XXXX to change the billing for my new apartment. They said that I had to come in person, and provide identification. I live a long ways away, and have been renting here for about 7 years ; and have a FL drivers license. I asked if they had gotten a report on me. They said XXXX said that I needed to be checked further. I don't borrow money, and I consider this to be discrimination against people who don't borrow money or have a credit rating. I then tried to get my free report from the consumer site. I was redirected to the XXXX site. I wound up spending a couple of hours trying to upload documents to them to get them to send me my report. I think that it was deliberate. First try no response got directed back to the main site. Put my info in again and tried to upload an image of my drivers license and recent electric power bill. It then said that they were too large in file size which is ridiculous now days. I then rescanned the documents to a smaller size and one into the pdf format they required. It then said that my XXXX  file was in color and rejected it. I then had to start over and reinput my data again. I then rescanned a document as XXXX XXXX XXXX XXXX ( not color ). It didn't like that. That file was not color like it said it was. This seems to be a deliberate policy to make things difficult or impossible for people who complain/want their report. I am computer savvy, and I imagine that many people would have problems getting this far. I gave up and was going to mail it in, but I was able to call a number ; and I am supposed to get the info that I need. They caused the XXXX XXXX XXXX to not register the utilities in my name. I would have to drive 9 hours and spend lots of gas money just to show an XXXX employee a document which I shouldn't have had to. I have a XXXX  drivers license. Are you telling me that XXXX does not have copies of those public records? I am also on the voter roles. They should have that also. This is just plain discrimination against people who pay for things in cash. And they have made it impossible for persons to complain on-line ot them. Their web site is broken ; it rejected my non-color XXXX XXXX  scan.