davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (TX)

I have made multiple attempts with XXXX XXXX  as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX  regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I sent Portfolio Recovery Associates a letter on XX/XX/23 requesting them to send me a Debt Verification letter for an alleged debt that they are claiming I owe. They sent back correspondence not pertaining to the Debt Verification letter.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (GA)

Experian is trying to falsely valid fraudulent accounts that have been removed by XXXX and XXXX & closed by companies in question. Ive contacted Experian multiple times within the last month in regard to this issue. XXXX XXXX XXXX have already removed these accounts in compliance with my complaint. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 30 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Included : Identity ( Drivers License And Social Security Card ), Bank Statement, Identity Theft Report ( 2 ), Dispute Letters ( 3 ), Notice of Furnisher, Proof that these accounts were removed by XXXX and XXXX Inlcuding Report Number from CFPB ) REMOVE WITHIN XXXX DAYS OF RECEIPT OF THIS COMPLAINT! ( XXXX ATTEMPT ON RECORD )
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

As of XX/XX/2019 Payment due for Sears Credit Card, I had following two outstanding balances : Promo # 1. $ XXXX/- 0 % APR Expiring on XX/XX/2019 Promo # 2. $  XXXX/- 0 % APR Expiring on XX/XX/2019 ( Which includes $ XXXX/- as Balance Transfer fee also on 0 % APR ) I spoke with Sears Customer Service over the phone and confirmed that If I send the payment of $ XXXX/- on XX/XX/2019 it will be applied to completely satisfy the balance of Promo # 1 and wipeout the balance expiring on XX/XX/2019. 

But when I send the payment of $ XXXX/- on XX/XX/2019, it was instead applied partially ( $ XXXX/- ) on Promo # 1 and {$140.00} from this payment to clear the {$140.00} ( balance transfer fee ) which is part of of Promo # 2 and on 0 % APR till XX/XX/2019. 

I would like to complain : 1. Why did the payment was not applied fully to clear the balance on Promo expiring soon?

2. Why did the Sears Customer Service confirmed me incorrectly that the payment would be applied to clear the balance first but failed to conduct same. 
3. It is clearly violation of consumer right to apply the payment on early expiring balance first.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

I am a XXXX citizen on the down side to XXXX years old. 

On XX/XX/2023, I opened an email indicating that some sort of transaction was in progress or had been attempted in the amount of {$3400.00} ; the entity is " Coinbase ''. I did not respond in any way, as I feared that was only a ruse to provide them with more information. I have never, nor do I, engage is this sort of activity at all, whether on my laptop ( where I received it ) nor on my mobile device. I am not sure I even selected the correct area of concern when filling out this complaint because I do not know what sort of fraud is being attempted. 

I have copied the content of the email here, and will attempt to attach it. I may need some technical assistance, however, if my efforts do not give you sufficient information to act. I will also attach a file containing the page source from the email message. 

~ ~ ~ ~ ~ ~ ~ Sender Data : XXXX XXXX  XXXX XXXX To : XXXX Content of email : coinbase A withdrawal has been delayed You initiated a withdrawal of {$3400.00} from your Cash ( USD ) account. 
{$3400.00} will arrive in your citi bank ending with XXXX by 3 working days. 

If you don't any action, the request will complete on XX/XX/2023 at XXXXXXXX XXXX PDT. 


Amount : {$3400.00} USD Date and time : Sat, XX/XX/2023 XXXXXXXX XXXX Browser : Android XXXX ( XXXX XXXX XXXX ; XXXX ; XXXX ) XXXX ( XXXX, like XXXX ) XXXX XXXX Withdrawal reference : XXXX Approve Now I didn't Authorize This Activity If you didn't initiate this request or not your bank account? Review transaction Sincerely, The Coinbase Team
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MA)

I had contacted ally financial at the end of XXXX about a voluntarily repossession. I was then told not to make payments on the vehicle by the financial institution and they stated I will be have a letter being mailed to me that needs to be signed and mailed back to them. I have copies of the paper work which had false information on it saying I was asking for a voluntarily repo due to not being able to pay for the vehicle which was wrong so I attached another letter stating why I asked for a voluntarily turn in. It's now almost the middle of XXXX and they have still yet to pick up the vehicle and stated not to pay which is hurting my credit even more than just the voluntarily turn in. When I call I don't get any answers and keep getting transfered from one person to another and they still refuse to come and get the vehicle. It's very frustrating that I have to deal with this when I am the one asking for it. Due to they are charging interest at a daily rate for the Vehicle at XXXX dollars a day for my auto loan. I will also be sending this request to my local attorney Generals office due to the deceptive auto loan practice of this financial company.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing had check to pay off the whole mortgage since XXXX and owe me almost {$500000.00}. They assured me in their Ombudsman Department that this would not affect my credit adversely. 

Now on my credit for XX/XX/23 is a late payment. When I called to ask about this atrocity, the supervisor XXXX ext. XXXX told me that I indeed was late and that it was contractual that the payment was due. She even began to badger me about paying last months payment. I SCREAMED XXXXXXXX XXXX! Then hung up. 

I have called this company over XXXX times to try to XXXX the resolution on my refund after the company has already cashed the {$610000.00} check in XXXX. I have been told it can take up to 30 days, but every time that I request the process, there has been no response. 
XXXX items : How do I get MY MONEY HOW DO I HAVE THEM REMOVE THE LATE PAYMENT AFTER THEY ASSURED THAT THIS WOULD NOT HAPPEN
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I APPLIED FOR MORTGAGE AND I WAS TOLD THAT I WAS DENIED INFORMALLY THROUGH EMAIL COMMUNICATION WITH A SENIOR BANKER AT ROCKET MORTGAGE. 

THEY HAVE REFUSED TO PROVIDE ME WITH THE DIRECT REPORTS THAT INDICATE A LOWER CREDIT SCORE THAN RECEIVED DIRECTLY FROM THE CREDIT REPORTING AGENCIES THEMSELVES. 

I can not find the disputed accounts on either Bureau with my reports and I have not disputed anything. Perhaps it says previously disputed, customer disagrees but closed from a long time ago. But I can't find the accounts he mentioned. 

" YET I BELIEVE THEY ARE ALTERING THR SCORE AS THEY ARE SIGNIFCANTLY FLUCTUATING BETEEEN VARIOUS LENDERS AS I HSVE ACCESS TO THR VARIOUS SCORE MODELS. '' THEY HAVE COME UP WITH ONE EXCUSE AFTER THE NEXT ... REQUIRED A SIGNIFICANTLY HIGHER DOWN PAYMENT THAN REQUIRED FOR FHA LENDING.

ITS LIKE SOMEONE WROTE STUPID ON MY FACE AND JUST WANTS TO TEST ME EVERY CHANCE.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Multiple occasions - Unable to view or maintain credit report. This company constantly prompts for some sort of payment. 

You can not file a dispute nor view reports. They constantly request that you phone a number or pay.
Consumer complaint received 2023-08-12
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. (GA)

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 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC (TN)

I dont have internet with XXXX  or XXXX  my ex XXXX  XXXX used my information to obtain internet that he never paid for at XXXX XXXX XXXX XXXX TN
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC (HI)

Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I bought the securespend prepaid mastercard to pay my internet bill. The card does not have valid no any zipcode attached to it, making it invalid for any and all online purchases. I put XXXX dollars on the card to pay my bill, you can only be physically there to use this card, it says you can use it to pay bills online. No It can not as iv tried every avenue and every number I call including the back of the card provides no help and only computer voiced options that do not connect you to someone who can help. This should be highly illegal as all online purchases require a zipcode. These cards have not one option to add one, they only work as credit which is not what they are advertising on the card packaging.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

Experian credit reporting Agency has been using out dated credit information and reporting it repeatedly to lower my credit profile due to XXXX, There had been legislation put in place to combat this bad business behavior, i have contacted this Agency and is an ongoing issue due to a refusal to cooperate, I contacted Experian on 8-11-2023 bit was unable to speak with anyone because the credit information is being managed by the country of the XXXX a d their residents and thry do not understand the correct english language and is also a big concern for cyber security. please recommend this for a government investigation prtocol due to sensitive information belonging ti US citizens!
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National credit systems refuse to provide any information stating that I owe a debt. Refuse to provide any judgment against me. I have been disputing it, and it keeps coming back as verified on XXXX, XXXX, and XXXX, with no evidence that this is my debt.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX from my credit report.
Consumer complaint received 2023-08-23
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. (FL)

I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three chase credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXX XXXX  for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous employment XXXX XXXX  thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  TX is not my address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL is also not my address.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KP ASSET CONSULTING LLC (KY)

This company says they are a mediator for collecting debt. They call my family friends repeatedly and leave messages saying they will show up at my home and work. I called them to find out what was going on they said their name is KP Asset Consulting and that I owe a debt. I asked for the name and number of the debt owner they would not provided. I asked they only speak to me regarding the debt and in writing they said no. They said they could not stop the calls to family friends etc unless they called them and asked. I am still trying to verify who owns this debt but the collection practices of KP Assets Consulting are abusive and not honest.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (TX)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) .

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Dear Sir/Madam : My name is XXXX XXXX. Since at least 2016, my report Experian has been incorrect in that if fails to indicate my current history with regard to credit cards, mortgage information, bank information, etc. I CONTACTED ALL LENDERS, CREDIT CARD COMPANIES AND MERCHANTS WITH WHOM I HAVE CREDITS, AND THEY ALL INDICATED TO ME THAT MY INFORMATION IS BEING REPORTED TO EXPERIAN ON A REGULAR BASIS! I do not have this problem with XXXX  or XXXX, which indicates my credit score to be above 800. Yet, Experian maintains that I have insufficient credit history to even generate a report! 
I reported this issue back in 2016 when I was qualifying for the Home Equity Loan, and was assured that the situation will be resolved immediately. Four years later, I am in the same situation I was before. 
My contact with the Dispute Center was unproductive - the response was that I need to contact credit card companies and lenders. I did, and was notified that they are reporting information. Since they ALL can not be wrong, the only logical conclusion is that something is not correct with Experian Their failure caused me embarrassment when several department stores denied my credit because of " insufficient credit history. '' How can I have a score of XXXX and XXXX with XXXX  and XXXX, and have insufficient score with Experian? 
It may be an unintentional oversight, but after 4 years still not fixing it is unacceptable. 
Thank you for your consideration. 
XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC (MS)

I told the company I wasnt able to pay until the XXXX and they accepted my payment arrangement with a debit card setup. I still received calls, after XXXX XXXX on a weekday regarding my loan. I explained to them that I have already promised a payment on the XXXX with someone else that has called. They continued to call my personal cell phone and my work. Both times I explained to them that I do not appreciate being harassed every second of the day and would appreciate if they do NOT call my place of employment OR my personal cell phone from here on out considering I do have a payment set up. They still are calling my phone AS WE SPEAK. They even have called from their personal cell phones to try to reach me even with my promised arrangement on XX/XX/2023.