davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (WA)

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (CA)

I filed my second dispute with Experian requesting re-investigation into an existing issue. They received my documentation by certified mail on XX/XX/XXXX. ( Document provided ). Generic response information was emailed to me claiming they were investigating my dispute. 
All of the accounts were modified and still ALL incorrect after they updated the balances. 
I brought this to their attention even using the CFPB and FTC for accountability and timely response purposes. 
ON XX/XX/XXXX I called Experian after not receiving any response in the 30 days they indicated. The representative claimed that " yes '' they were aware of and received my dispute by certified mail but due to a system error, they never processed the dispute. 
I requested a Supervisor and she said I would receive a call in 24 to 48 hours. 
I never received a call. 
Also the next day a response was provided to the CFPB that the accounts were verified as accurate despite the fact that agent told me they never processed the dispute.

Agent asked if I wanted to dispute over the phone with her on the call. I made it very clear that I will not be disputing over the phone and that they are negligent in handling the original dispute. I will wait for the supervisor to call and file a complaint and get an explanation as to why my dispute was never processed. 

[ XXXX XXXX # XXXX Supervisor will call back within 24 to 48 hours. 
XX/XX/XXXX Experian representative admits they received my dispute but never actually processed the dispute due to system error and that I have to dispute again. 
Experian then responded to the XXXX  that they contacted the furnisher and the accounts came back verified ]. 

Experian lied to XXXX  and FTC about an investigation that they admitted to me on a recorded phone call, that they never processed. 
I am re-submitting all proof of errors including a recent/current copy of my credit report proving that all the errors are still there. 
I require all XXXX XXXX  accounts to be deleted off my consumer profile immediately. 
Per 1681s-2a & B.

Experian is in clear violation of FCRA guidelines and I have proof they lied to TWO Government agencies regarding dispute results. 

All documentation shall be reviewed by legal counsel to confirm if the law has been broken. 

Additional 60 day time request shall not be accepted. Expedite deletion upon proof of receipt of documented proof of error.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF THE WEST (AZ)

In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX opened XX/XX/XXXX and a collection with XXXX XXXX XXXX opened XX/XX/XXXX XXXX
Consumer complaint received 2024-08-24
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. (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. 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 ( Original Creditor : XXXX # XXXX, has violated my rights. I looked at my Equifax 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 generallf, 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 2024-08-25
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. (MD)

XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX MN, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

I am updating original complaint that I sent to you. I made an original complaint XX/XX/XXXX for the debt collection company PMAB , LLC about not reporting to the credit bureaus XXXX-XXXX-XXXX   for the amount of XXXX. This is a medical debt. This debt came off the credit bureaus from another debt collection agency and was to go back to spin from XXXX XXXX, XXXX. PMAB , LLC responded during original complaint XX/XX/XXXX. The representative on that day told you CFPB it may prevent the items from reporting back to credit bureaus for minimum payment. I still can not afford. I have documents listed from that contradicts on what PMAB , LLC says on that they opened these accounts to credit bureaus XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. How can this be when they told you it hasn't been reported on XX/XX/XXXX. False statement. I also did a history from XXXX  only no updates for XX/XX/XXXX cause its still updating.. from XX/XX/XXXX you would think it would have been listed as was XXXX and XXXX but there is no opened date for this. On XX/XX/XXXX, I got a letter still from PMAB , LLC that the total XXXX has not been reported to the credit bureaus. My opinion is it had all ready been with the credit bureaus from another collection agency. The company could have put it as current account balance but did not. The reason is because it has run its course. Now on XX/XX/XXXX, please note I have documents stating on XX/XX/XXXX that its updated from XXXX and XXXX, no 30 days was given to make a formal dispute. I get another letter from PMAB , LLC Some other accounts evidently are falling off credit report XXXX XXXX XXXX XXXX from XX/XX/XXXX the totals XXXX, XXXX, XXXX. So with previous debts total XXXX it is suppose to be XXXX adding the XXXX from XXXX.Only the XXXX is not listed along with XXXX and XXXX. The XXXX and XXXX I understand PMAB , LLC didn't have to report because its under XXXX dollars. So the XXXX did fall off all credit bureaus from XXXX and XXXX, XXXX  is still updating I won't be able to send. to where all should have fell off credit reports. XXXX is what is listed from XXXX and XXXX. PMAB , LLC wants me to pay this where it should be XXXX. PMAB , LLC is coming up with a different total because of the agreement PMAB gave me stating this would not be reported. Once again all these accounts have run its cycle in the credit bureaus from XXXX XXXX, XXXX.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

This is for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I paid off all of my loans in full in late  2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others.
Consumer complaint received 2019-12-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC (NC)

My name is XXXX XXXX XXXX. I reside in XXXX XXXX, NC. I kept receiving offers from a lender called Mariner Finance ( who is located at XXXX XXXX XXXX XXXX XXXX ) to my mailbox about a personal loan. A check came from them with my name on it for {$1200.00}. I called the location to ask if the check was real. The branch confirmed, so I took it to XXXX  XXXX XXXX who it is drawn off of to cash. I cashed the check successfully. A month later after I made a payment on the loan, I received a call from Mariner asking if I would possibly need a little more funding. Manager XXXX stated I was able to get {$500.00} more and to come to see him, bring I.D., Social Security Card, and last 2 pay  stubs. 

I went that same day to see XXXX, and he told me the social security numbers do not match what's on my card to what's on the computer. He asked me a question about my car, I stated yes I have a XXXX XXXX. Then he states another vehicle 's name, and I said no that's my father. My father has never lived with me, he has never resided in XXXX County which is where the city of XXXX NC is located in. He stays in XXXX, NC. 

Manager XXXX tells me well he will just have to get it switched out of my Dad 's name and into mine, no problem. I kept calling trying to inquire about what was going on and he kept telling me they were working on it. About a week later, XX/XX/2019, I talked to a representative at Mariner Finance by the name of XXXX at the XXXX XXXX location. I told her I was following up on my account and told her the issue. She stated it was approved for me and it was out of my father 's name. I went down to Mariner Finance. brought a copy of my last two pay stubs, I.D., and Social Security Card. I was placed in a room, was told to fill out a reference form. I was in the room alone for about 45 minutes to an hour. 

Manager XXXX steps into the room and says they could not get approved, they need my father 's name on it. I said No! I have already spoken to my father about this mixup and he does not want his name on any loan! The manager then started to tell me well you cashed a check meant for him. I told him that's not my problem! That is your company 's mix up and then you falsely tell me it's been fixed and I come down here and it is not! He said this happens all of the time and there is nothing they can do about it. I asked for the corporate office phone number, however, I have received no callback. 

This is not proper lending practices and I would like help on this matter. My father should not have his credit tied up because of Mariner Finance 's mistake. I am willing to have it on my name as the check came to my address in XXXX. I also believe I tried to apply to them before in my history while I was in XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, Selene Finance, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX-XXXX-XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX  Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help