davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
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. (AL)

XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, Experian and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to Experian on XXXX, XXXX on XXXX and XXXX on XXXX
Consumer complaint received 2018-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (AZ)

Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (CA)

Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. 
The collection information is not deleted from my credit report after the Settlement was made.
Consumer complaint received 2024-10-28
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. (VA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

I called last year inXX/XX/XXXX to request an Income Based repayment plan. I was paying {$590.00} per month. I was approved and my new payment which was due in XXXX was {$700.00}. I asked XXXX XXXX why they changed my payment to a higher amount without notifying me. Obviously the main reason to request an IBR payment plan is to lower your payment. They did n't have an answer for me. 
I called and told XXXX XXXX that I could n't afford that payment. I was assured that I would not have to pay it because they would extend a forbearance for the month of XXXX and I could just pay the new lower payment in XXXX of {$490.00}. Well, now my loan is delinquent because the forbearance was never applied. Instead of them contacting me via email or phone to let me know that they could not apply the forbearance, they just left it delinquent. Now it is more than 20 days late. I have already submitted my payment for XXXX but, I do n't know what I will do about the past due amount. At no point has XXXX XXXX shown any concern for my situation. I only need one month to bring my account current. I have never been late or past due before. I am very concerned about my credit.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I created a coinbase account on XX/XX/XXXX, I completed my ID identification by uploading my 'temporary ' US driving license which was accepted. The coinbase stated that I was verified and ready to go. Then I linked my XXXX XXXX XXXX account and deposited XXXX dollars in it on XX/XX/XXXX. When I tried to buy bitcoins it didnt allow me and asked me to input my SSN information ( which I do not have because I am an international student on an XXXX XXXX ). At that moment I realized it is not possible for me to trade on there since I do not have a SSN, so I tried that to pull my unused/untraded money out of my USD wallet and back to my bank account, but it is also requiring a SSN, which I do not have. Basically I am trapped because the website allows you to deposit after uploading your ID but only requests SSN information when trying to sell/buy/withdraw. I have called them multiple times, reached out to their twitter, reddit accounts, no response. I also submitted a ticket on their website, in which they have responded around 5 times with automated repeated messages and then close the case each time, and I have to re-open it. 


PLEASE HELP!
Consumer complaint received 2018-01-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

To whom this may concern, I have recently been doubling my efforts to pay back my student loans. I have not missed a payment in the 10 years that I have been attempting to work off my debt. I borrowed nearly {$65000.00} in private student loans for a XXXX degree in XXXX. I still owe {$60000.00} after 10 years of paying. 


Providing that much money for a XXXX in XXXX should be illegal. It boarders on a predatory loan. I have been lucky enough to find a job that allows me to afford to pay back my loans, but it took much personal sacrifice and deprivation. 


Here is a list of my loans and the percentages of interest that I am being charged : XXXX 5.5 % XXXX 4.5 % XXXX 7.5 % XXXX 6.5 % XXXX 10.5 % XXXX 6.5 % XXXX 10.5 % The loans numbers are respectively : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


This is sickening that I am being charged interest rates at this level. I have already paid the money back that I borrowed and now I am being gouged for interest. How can I be charged interest rates at this level? My first car loan was less then 5 %. My credit is excellent and I have a stable job. It is awful that Navient is making money on the backs of people that are responsible enough to pay their loans, but do n't have enough money to have a life because of it. 


Thank You, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-01-22
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC (MD)

have already started investigation into this company, wish to add more information to assist you in helping me. 

XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered. 

BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX  BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ]  Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+. 
Share your experience XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2018-01-22
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: Harley Davidson Financial Services Inc (IL)

Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES. 
THANK YOU
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

RE : CitiBank Best Buy credit card acct # XXXX I am formally claiming fraud on the above mentioned Visa credit card. CitiBank would be reporting an inaccurate balance and status to the following Credit Bureaus ; XXXX, XXXX and XXXX. As a result, I could be in immediate danger of harm and serious financial damages. 

ISSUES : *I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting CitiBank take the appropriate actions and make sure this account is NOT reported inaccurately. 
Specifically the balance of this account is far less than what is currently being reported 1. I am claiming the correct balance is less than {$2000.00} at approx. {$1900.00}. 
2. I am claiming any and all charges or transaction in XX/XX/XXXX and XX/XX/XXXX are unauthorized. 
3. I am requesting a copy of all transactions for XX/XX/XXXX through XX/XX/XXXX, so I can view them and provide more information. 
4. A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
5. If a card was mailed to me in XXXX, when was it mailed? 
6. If a card was mailed to me in XX/XX/XXXXdid it require activation? 
7. If a card was mailed to me in XX/XX/XXXXand required activation, how was the card activated? 8. If online by what IP address? if by phone, what was the phone number used? 
9. I was out of the state of Michigan from XX/XX/XXXX through XX/XX/XXXX I am confident the investigation will confirm my claim. 

To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against CitiBank in the event a inaccurate information is reported to the credit bureaus and I suffer damages as a result. 
I am hoping CitiBank will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will only accept communications via email, USPS , XXXX, XXXX or through any secure platform CitiBank would like. 

* All Attachments are also being Certified mailed to Citibank to provide Citibank with the original documents
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get XXXX XXXX to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get XXXX XXXX to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. 
XXXX refuse to provide any information for my loan.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

This is a complaint about Coinbase. 
Since late XXXX XXXX, they have locked my account citing security reasons, and I have sent numerous emails to them asking for it to be unlocked, to no avail. 
As such, my funds have been unfairly locked inside their account, with no access. 

I hope this can be resolved as soon as possible - I did a search online and found numerous people also having the same problems. 
I called their support number, and was n't even able to get connected.