davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc. (CA)

I contacted National credit services and made arrangements in XX/XX/XXXX. In XX/XX/XXXX I faxed XXXX my paperwork and emailed them the paperwork to XXXX Then I heard nothing from the company. Now the company NCS states that a payment from my account at XXXX XXXX was declined and that they emailed me and sent me letters and called me 23 times, however I have no emails, no letters from the NCS and no missed calls or at least one voicemail from this company. I contacted them and in XX/XX/XXXX and it took 2 tries to upload the documents on their website, 2 emails to the docs email address and 2 times that I faxed them and they finally got my paperwork. They are currently garnishing my pay, and they record every call and in those recorded calls they have admitted to my horror that they are not equipped to receive the avalanche of paperwork. Please investigate National Credit services XXXX XXXX XXXX XXXX, WA XXXX Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Office Hours : Monday-Friday, XXXX PST Department of Education : XXXX XXXX ( XXXX ) XXXX I am sure I am not the only one they have done this too thank you for your time
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivables Management Corporation (SC)

I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. 
Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.
Consumer complaint received 2024-10-23
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. (NM)

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 2024-10-24
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. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX  sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Consumer complaint received 2020-01-30
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. (KY)

XXXX XXXX XXXX sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (LA)

When my loan transferred in mid XXXX, I requested removal of PMI via phone while creating my new account. Customer service rep said they submitted request. No response or record of it. 

When I did not hear back, I resubmitted request in writing XX/XX/XXXX through their message center. Still no response except for " message received '' immediately. 

This is the second mortgage company that has ignored my request for PMI removal, even as they are constantly trying to push home equity loans of more than XXXX on me. Is this now standard practice? 

Today I requested a timeline for removal. No response yet.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, While checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have an active credit card with Chase. I contacted them in XX/XX/2019 to pay off my outstanding balance in full. I paid them exactly what they told me, and was told my balance was at {$0.00}. I have not used the card since. In XX/XX/2019, I was  dumbfounded to see that Chase was reporting a {$13.00} balance, and that it was past due. This is impossible, as I have not used the card since I paid it off in full. I immediately called Chase to inform them of their error. The representative that I spoke to took the {$13.00} charge off of my account, and told me that they would correct my credit report. As of today, the account now reports in good standing again, and the balance correctly reports a {$0.00} balance. However, they kept the XX/XX/XXXXlate payment on my credit report. This false delinquency they reported has dropped my credit score at least 50 points, but they don't seem to care. I have even disputed this XX/XX/XXXXlate with XXXX, XXXX, and XXXX XXXX ; but Chase is telling the credit agencies that my account was late in XX/XX/XXXX, when it actually was not.
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

About a year ago our payments to the house were XXXX. and then they went up to over 1500.00 and then XXXX Now they are saying we don't have enough in our escrow account. But our mortgage statement states they charge us XXXX monthly for our escrow account, so in reality, that amount times 12 months is like XXXX, so why is there not enough money? To date I am short they say at XXXX. We initially thought that the insurance was the one overcharging but after we switched over to another company just 2 months ago, our escrow account remains the same. Now we did save some money by about 500.00 monthly on the new insurance but the escrow acct. remained the same. Now I don't want to lose my home,
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-01-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (MI)

This company agreed to remove the account from my credit report after it was paid because they did not properly notify me and did not give me a chance to dispute/verify the debt, I didn't receive any written notification that they were trying to collect the debt because the address and phone number they had on file was not accurate. After I made the payment they stated that they never agreed to remove the account from my credit report. I am trying to purchase a home and this negative account has hurt my credit score and I can't qualify for a mortgage.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2023-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had recently contacted all three major credit agencies. XXXX, Transunions, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-01-29
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: U.S. BANCORP (IL)

Between XX/XX/XXXX and XX/XX/2019, my computer was hacked through a fraud announcement concerning a coin bonus where I clicked on a link. Someone was able to then steal and use my credit cardaccess and information and make international purchases of cryptocurrency coins in the amount of $ 6,200.00+ dollars where the U.S. Bank USA let the action happen unknown to me. When I found out what was happening I frantically called the bank, alerted the action of fraud to them, told them to close my account, stop my card from future use, and asked for another card to be sent to me. In my own investigation, I found my security back-up information of telephone and email address had been removed and fraudulently replaced with a different international telephone number and an email that was XXXX in nature using XXXX. I was able to find this intrusion, change the information back to my original telephone number and email and change all of the passwords to my computer and two of my emails that had been hacked. I had my computer scanned and checked by a firm that I use in Florida to make sure I was clean of the hacking. I called the bank, talked to their fraud dept., stated what had happened, giving them the fraud evidence. U.S. Bank USA send me a letter stating that I would be credited for the frauded theft amount which they so did. A number of days later, they took back their action of credit and told me that I was now responsible for the hacking/credit card action and would have to pay the money back that had been stolen from my card. I contacted the bank twice, filed a theft report at the XXXX Police Dept of theft, sent two letters to the Bank CEO but was refused any help and was told again that I am totally responsible for the theft action of my credit card account. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX  has consistently and repeatedly reported incorrect information to the credit bureaus, currently reporting late payments on accounts that are in collections, and have no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. The credit bureaus have allowed them to continue to be negligent and harmful and get away with it. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with these companies. Please delete these grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete these immediately!
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX of this year MY account with Coinbae was hacked due insufficient protection for my account because my account was not timed out or logged out like ANY OTHER financial institute, more over Coinbase was not vigilant enough to see that hackers were openly using their name to heck. After the hack I was very cautios to log out of my account, last week I tried to go into my account where I found out that my account was either left open or was not timed out. 
My complain is that if Coinbase is handling cash for transactions then Coinbase has the fudciary responsibility to insure the accounts and also compensate customers for their losses. In addition provide complete account protection rather then put all burden on customers,
Consumer complaint received 2020-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX   XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPT OF ED/XXXX   XXXXXXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please Remove and  block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have then right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.