davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC (UT)

These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: LEXISNEXIS (TN)

On XX/XX/23 a dispute letter was mailed certified to Lexus Nexus. 

It was received by Lexus Nexus on XX/XX/23, and assigned case # XXXX On XX/XX/23 I called in to check on dispute status, I was informed that Bankruptcy was never entered in dispute. 

Per represented from Lexus nexus the dispute was initiated on XX/XX/23 with case # XXXX. This is means per FCRA to have item deleted from consumer report. 

FCRA Stated consumer agencies and credit agencies have 30 days to complete investigation or deleted negative item from credit report. 

Per Cfpb complaint # XXXX Lexus Nexus replied on record the investion was completed on XX/XX/23 per Response from the company ( attached ) Case # XXXX Is clear the attached disputed letter was clearly received on XX/XX/23
Consumer complaint received 2023-08-02
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. (NJ)

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-04
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc (FL)

A representative claiming to be from XXXX XXXX XXXX has tied up the phone line of my work place for over 5 hour on XX/XX/2018 after being told that they need to contact me on my private phone. while talking to them on my cell phone they robo-called the office number continuously. As far as I know I do not owe them anything but they are trying to get me to pay {$780.00} by way of XXXX XXXX cards. I contacted the local sheriff Dept. they advised my it was a scam that a true debt collector would never ask for gift card. 

They claim that if I continue to refuse to pay them they would continue to call.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.
Consumer complaint received 2023-08-02
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2023-08-04
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. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (GA)

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On XX/XX/2023, I submitted a fraudulent claim with XXXX XXXX XXXX XXXX ( Confirmation Number : XXXX ). As of XX/XX/2023, no progress has been made from XXXX XXXX investigation and it has been over 90 days without a resolution. Their records will show that I spoke with the fraud department on XX/XX/2023 and XX/XX/2023. XX/XX/2023, the rep submitted a request to expedite the process.
Consumer complaint received 2023-08-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX, I was coerced into paying over {$1500.00} to National Credit Systems for damages on a rental manufactured home from XXXX XXXX that was naturally caused by wear and tear and negligent maintenance services. I was told about taking action but that was not an option for me due to severely limited resources. I was told by the representative also to send written letters of my case, but those letters got lost in the mail and told me email was not an option when they do in fact have email. They told me a payment plan was an option for me on to recant the next day and said it had to be paid in full. The representative I spoke to also use intimidation tactics by threatening to report on my credit for something I did not sign or agree to and may have illegally obtained my information. In the process she also accused me of acting " hostile '' when she was coercing my to pay up something that I shouldn't have to pay.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Our XXXX XXXX XXXX had a mechanical malfunction, my car was holding water somewhere in the body and on XX/XX/XXXX my car flooded out and all the electronics malfunctioned, I could not get the car out of park, we did get it to a Nissan Dealership in Indiana where I was stranded. We tried calling Nissan multiple times and they would not get back to us so I had to put a claim in with my Insurance Company and had to buy a new car in Indiana so we could get home. I shouldn't 've had to put a claim on my own Auto Policy for a Nissan mechanical problem that I had nothing to do with.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

In XXXX and XXXX, XXXX XXXX and XXXXXXXX XXXX took XXXX out of my account that's almost {$100.00} all together, I had my car cancel a year ago or almost a year in XXXX last XXXX with time over this I told them that these were fraudulent charges and to stop them from XXXX to taking it out we had a new card activated and everything they are still somehow got access to my cart information which time will not tell me or try to figure out how these are fraudulent charges I've made this very clear last XXXX when I had my whole card cancel over this they are still refusing to fix it and have took the money back out of my account this is illegal
Consumer complaint received 2023-08-02
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)

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.

The letters are stated with items and issues.

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 2023-08-02
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: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (VA)

XXXX sent my debt to collections. I paid my bill and returned my phones on time. The Collection is for a leased phone with a buyout out fee if I didnt turn in my phones. I called and verified via customer service that the cellphones were returned and received, and I should not have been charged. I Attached the confirmation and package info of the return of the phones. XXXX phones were returned but I was still charged {$150.00} per phone and prorated cell bill. XXXX sent me debt to XXXX XXXX collections after I confirmed via customer service I owed no balances. I had the collections removed and XXXX has sent a new collection onto my credit under debt collector XXXX  XXXX XXXX. This is the second time they hindered my credit for a debt I do not owe.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I changed banks from Bank of America to XXXX on XXXX of XX/XX/2023. I called the National number for Social Security and made the change. The change did not go through, and was told to call the local office. I did and the information was updated. When I called Bank of America, they found out that the 10 day closing hold on the account had not happened and it would be expedited. That was on Tuesday, XX/XX/2023. The hold was removed on XX/XX/2023. I was told that they would be sending me a check for the left over balance of {$57.00} and the SSI check in the amount of {$910.00} for a total of {$970.00}. I got this from one person. The next one told me they would be sending the check back to Social Security. Then another person told me that a check has been sent out for the {$57.00}, but the SSI check has been sent back to Social Security. That was as of Wednesday according to the man I spoke with with today, and the {$57.00} has been sent out in the form of a check, he wasn't sure what was going on with the SSI check. He doesn't even have record of a Social Security check coming to them at all. Social Security has yet to receive, any thing from Bank of America and Bank of America keep giving me the run around about it or where it's coming from, another keeps telling it has been sent back to Social Security. They have done something with my SSI check and won't give me a straight answer as to what they've done with it. I need this money, and Bank of America isn't giving me anything to go with.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. 

To validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. 

I sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. 

I 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (FL)

Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (DE)

Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

The letters are stated with items and issues.

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.