davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2016-08-24
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (VA)

I had participated in the Virginia mortgage program and all my payments were paid. 
Also worked thru stand alone partial claim. 

Noticed the discrepancy regarding my mortgage payments during the XXXX forbearance period. As you are aware, I participated in the forbearance plan provided by the Virginia Mortgage Relief Program, which allowed me to temporarily pause my mortgage payments due to financial constraints caused by the pandemic. 

Throughout the forbearance period, I diligently made all required payments as stipulated by the relief program. It is important to note that under the law, forbearance payments can not be reported as late, as this would be a violation of consumer protection regulation. 
I have noticed that some of the payments made during the forbearance period have been incorrectly marked as late. This discrepancy is concerning, as it inaccurately reflects my payment history and may have a negative impact on my credit score. 

I kindly request that you rectify this error by deleting all late payment notations associated with the forbearance period from my credit report. It is imperative that my payment history accurately reflects my adherence to the terms of the forbearance plan and my commitment to meeting my financial obligations.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (CA)

To Whom It May Concern, The purpose of this letter is to give explanation of a credit reporting error in regards to our loan with Mr. Cooper for XXXX XXXX XXXX, XXXX, CA XXXX. 
First and foremost, we have never paid a late mortgage for any of the 20+ properties we own and manage. I have included the past 18 months of payment history ( attached ), printed directly from our banks website, for XXXX XXXX XXXX/Mr. Cooper. Payments were always made before the XXXX th of each month, or else they would be considered late by Mr. Cooper. 
Our credit has been negatively affected and our refinance put in limbo due to an incorrect assessment by Mr .

Cooper. We have been given two 30-Day Late charges for this loan with Mr. Cooper as a result of this error. 
Despite having our own insurance policy for XXXX XXXX XXXX ( see attached letter from our insurance broker and declaration page ), Mr. Cooper decided to place hazard insurance without notice or authorization. 
The lender placed insurance created a shortage in our impound account, leading to an increased impound amount, again without our knowledge or notification. Please see attached escrow statements. Furthermore, the contact phone number associated with this mortgage account was not our, further displaying Mr. Coopers disorganization and unprofessionalism. 
Our payment history shows our payments made in full and in a timely fashion. The discrepancy has come about because of the impound adjustment and an underpayment made because of this adjustment. Mr. Cooper has done a poor job managing this loan ( loan was refinanced XX/XX/2020 with XXXX XXXX ). There have been refunds for escrow overpayments, assessment for escrow shortages, and virtually no communication at all in regards to this mortgage ( insurance info, notices, etc. ) It is bewildering that we received two 30-Day late credit hits on two {$200.00} impound increases because of Mr .

Coopers disorganization. We are already in the process of disputing these negative credit reports with all three credit agencies and with Mr. Cooper. 
These oversights by Mr. Cooper show that they poorly managed our mortgage account and we believe that we should not be penalized for this. 

XXXX XXXX
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NV)

XX/XX/year> 2 MONTH EXTENSION LOAN INSTALLMENT NOT APPLIED TO ACCOUNT PAYMENT FEE PAID. ROLLING 30 DAY LATE REPORTING ON CREDIT REPORT PAYMENT MADE EVERY MONTH CONSTANT PHONE CALLS 3 TIMES A DAY INACCURATE BILLING FOR 2 YEARS CONSTANT CALL TO GM FINANCIAL FOR 2 YEARS PROBLEM NOT SOLVE ALSO FAXED DOCUMENTS OF RECEIPT AND BANK STATEMENTS GM FINANCIAL WILL NOT FIX PROBLEM THE FAIR CREDIT REPORTING ACT 15 U.S.C 1681 AND 12 U.S.C DOCUMENTS READY IN JPG. AND PDF FORMAT OF BANK STATEMENTS AND RECEIPT
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

Chime advertisement says you can be spotted up to {$200.00} in XXXX minutes when in fact that is a lie. When I asked about it. They acted as if they didnt know what I was talking about. I took a screenshot of the advertisement and then they had an explanation that didnt make sense. It still didnt explain why the money didnt come within XXXX minutes
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC. (TX)

We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.
Consumer complaint received 2021-09-22
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. (SC)

I the natural person and consumer sent EQUIFAX/XXXX XXXX a copy of the police report I filed with my local police department XXXX COUNTY SHERIFFS DEPARTMENT, with the FTC, copies of my identity, a notarized identity theft affidavit and written a statement and written instructions stating " Concerning the accounts listed below as the consumer Im demanding you delete and block these accounts : 1. XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 2. XXXX/XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXX  ACCOUNT # xxxxxxxxxxxx XXXX 4. XXXX XXXX ACCOUNT # xxxxxxxxxxxx XXXX 5. XXXX xxxxxxxxxxxx XXXX 6. XXXX XXXX XXXX  ACCOUNT # xxxxx XXXX 7. XXXX XXXX XXXX ACCOUNT xxxxx XXXX 8. XXXX XXXX XXXX  ACCOUNT xxxxx XXXX Concerning the inquiries listed below as the consumer Im demanding you delete and block these inquiries : 1. XXXX - CARD SERVICES 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Delete and block the address XXXX XXXX XXXX XXXX SC XXXX. 




Send me a copy of my credit file to reflect all of the deletions., '' Which they received on XX/XX/XXXX with a green return receipt, about the identity theft they had committed and to delete and block the information arising from this identity theft from my consumer reports within 4 business days pursuant to federal law 15 USC 1681c-2. EQUIFAX/XXXX XXXX have not yet deleted and blocked this information from my consumer reports. This is causing me the consumer and natural person much financial harm as it is weighing against my character, reputation and credit standing. I never gave EQUIFAX/XXXX  XXXX consent to report this information and this is a direct violation of my right to privacy. I am a federally protected consumer and the Fair Credit Reporting act was created to protect me and my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). These actions are illegal as EQUIFAXXXXX XXXX are breaking several federal laws. EQUIFAX/XXXX XXXX are civilly liable for the damages this is causing me and my family pursuant to 15 USC 1681n in which I will pursue. I have attached a copy of the documents that was sent by certified mail with a copy of the green return receipt that shows XXXX XXXX received the documents on XX/XX/XXXX.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo open up 3 accounts between XX/XX/XXXX and XX/XX/XXXX without my authorzation and i was charge for all withdrawal overdrawn fees. i have documents for accounts. Me and my grandmother ( co ) on accounts. WE FILED A FORMAL COMPLAINT!! ON XX/XX/XXXX we made a formal complaint with CFPB CASE # XXXX XXXX sent us a letter onXX/XX/XXXX!! XX/XX/XXXX SENT FROM MAIL FOR XXXX XXXX  TO WELLS FARGO. WELLS FARGO SEND US 7 LETTERS SAYING WE DID NOT AUTHORIZED THE ACCOUNTS AND WERE ABLE TO DISCOVER THESE ACCOUNTS APPEARED IN THE RECORDS OF EARLY WARNING SERVICES. THESE LETTERS CAN BE USED AS EVIDENCE OF THIS UPDATE!!! PLEASE ACCEPT OUR APOLOGY FOR ANY IMPACT THIS SITUATION MAY HAVE CAUSED. WELLS FARGO REMEDIATION!!! CFPB PLEASE REVIEW ALL MY FILED COMPLAINTS AGAINST WELL FARGO THE OPENING OF CHECKING AND SAVING ACCOUNTS UNDER MINE AND GRANDMOTHERS NAME AUTHORIZED BY US. MAKE GOOD TO US ON ALL THE CLASS ACTION LAWSUITS THAT WE SHOULD HAVE COLLECT JUST LIKE EVERY OTHER VICTIM COLLECT ON STARTING IN XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services, has a debt on my account since XX/XX/year>. Ive asked several times for the original documentation for this debt showing that it is valid and have not received anything. I am requesting that this be removed off my credit before I take legal action. This company is fraudulently placing this debt on my credit and it is affecting my score significantly. Their phone number is XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have had a coinbase account locked by them and have tried to contact the to reopen the account after they stated i can not have an account if I live in XXXX, I dont live in XXXX I live in the XXXX where the account was opened from. 

I have been waiting for a response to my case since XXXX and have also paid XXXX to call them to which they said they could n't help me with a locked account even though the option I choose was for locked account issues and then placed on hold for 2hrs. 

The case ID number from them Case XXXX I can not gain access to my money they hold to do anything with which is now causing me some distress as I am also being treated for XXXX currently and would like to have access to my funds again for removing back to my account to assist financially. 

Regards XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

Company called Dynamic Recovery Solutions trying to collect a debt behalf of XXXX XXXX XXXX for the amount of {$6900.00} which is n't mine. I believe this is a fraud. 
Current Creditor : XXXX XXXX XXXX Current account No : XXXX Balance : {$6900.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am submitting this dispute to address incorrect information reflected on my credit report. Upon reviewing my report, I identified errors related to several accounts that are inaccurately reported. These discrepancies need to be corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

For your reference, I have attached comprehensive letters outlining the specific accounts in question and the inaccuracies, along with supporting documentation. The issues include incorrect reporting of dates, account statuses, or other relevant information that does not accurately represent my credit history. These errors are impacting my credit score and overall financial standing. 

I kindly request that you investigate the attached details, rectify the errors, and remove any inaccurate data from my credit report. I expect my credit file to be updated with the correct information and that you will provide me with confirmation once the changes have been made, in compliance with FCRA requirements. 

If any additional information is needed to process this dispute, please contact me promptly. Thank you for your immediate attention to this matter, and I look forward to a swift and accurate resolution.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX On XXXX XXXX, 2017 this accoutn was placed on my credit report. This is a medical debt. I do have insurance and am looking into the situation after I complete this dispute. According to the information placed on my credit report. XXXX XXXX XXXX XXXX have had this account since XXXX XXXX, 2017 ( 4 mos ). According to law a medical collection file can not be placed on a credit report until180 days.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

XXXX XXXX are reporting late payments on my credit dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .When contacting XXXX XXXX customer service about the income driven plan in XX/XX/XXXX, I was giving invalid information. I was told I qualify for the plan income driven plan and my loans will be in forbarence until all paperwork is processed. However some miscommunication cause me to have late payments instead of the forbearance. I have disputed this information server all times. I have reached out to the CEO through several emails no response.This miscommunication has resulted in costly errors, like missed payments on my credit file. Please have them update my credit immediately.