davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, Experian, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, Experian, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, 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. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

The company that holds my mortgage has been located in XXXX Michigan for the previous 8 years that I've had my mortgage. On XX/XX/XXXX of 2021 they moved to XXXX XXXX XXXX Florida. Since they have moved, I've tried several times to reach them at their new phone number, XXXX, with not only no answer but receiving a recording that they, the company PHH XXXX, is not answering any calls at this time. I've sent them a payment on my account for {$2700.00} on the XXXX of XXXX and it was cashed but they haven't provided me with any notice of that posting, and the people at their previous phone number are totally uncooperative and will only provide the phone number that is not in service. I've tried reaching them via fax and also via a letter with no response. I need to be able to make a draw from my account and I can't reach them and need your help disparately. The companies name and address are PHH XXXX. XXXX, XXXX XXXX XXXX Florida XXXX. They are over 30 days late on suppling a monthly account record and have changed my account numbers. They were previously located in XXXX Michigan and their phone number there is XXXX
Consumer complaint received 2022-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This is to all credit bureaus and to whom it may concern and just to be clear XXXX Equifax and XXXX. 

I XXXX XXXX XXXX have been disputing by mail and somehow my dispute letters are being sent back. I don't know if I'm doing something wrong but I'm pretty sure my mail is being sent correctly. I do not want to use the CFPB as my shield to send a dispute letter. if I dispute directly from the website. They would not do a proper investigation. in Reference to my dispute. With XXXX XXXX that starting with # XXXX XXXX, I have done what XXXX XXXX. Wanted me to do create an identity theft report with the FTC. And just to inform credit bureaus I have every right to dispute any information that is inaccurate in my account. Also, I have the right to gather information. Such as. The original contract, payoff disclosure, interest rate disclosure, balance history, payment history, Credit Insurance. And if XXXX XXXX can provide the credit bureaus with this information I suggest deleting it. 

Sincerely yours : XXXX XXXX XXXX.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NY)

I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} XXXX ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} XXXX ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) TXXXX XXXX Account # unknown Amount unknown
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

There were several inquiries made on my credit report without my authorization. I received a letter from T-Mobile advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, Amex-XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX, US SM BUS ADMIN XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/2021
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

XXXX is reporting that CBNA has submit a hard inquiry. I reached out to CBNA on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called XXXX ( XXXX ) back on XX/XX/XXXX from XXXX and explained what CBNA stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask CBNA for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.
Consumer complaint received 2022-02-08
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. (LA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-09
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. (GA)

i have attached the three credit burau reports. XXXX formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

in XXXX, I received a letter dated XX/XX/XXXX, which stated that Nation Star DBA Mr.Cooper entered into class action settlement agreement with the Consumer Financial Protection Bureau. In XXXX of XXXX i informed them that i didn't receive the redress check promised in the letter. I was informed that the redress check in the amount {$3200.00} dated XX/XX/XXXX was issued to me and if i didn't receive it I had to wait 180 days from the issue date to receive a replacement. at the end of the 6 months i contacted them Nation Star who then informed me that i will have to wait another 60 days. At the end of the sixty days which was XX/XX/XXXX i contacted them again only to be informed by a phone rep that there is no record yet of a check being issued to me and he will send a request to acceleration. I again contacted them today XX/XX/XXXX and was told by representative, XXXX that they are still awaiting an answer from acceleration.
Consumer complaint received 2022-02-09
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. (FL)

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Equifax is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ND)

Hello, I am XXXX XXXX XXXX. 
I have a problem with Experian credit reports. Yes I am like most that has fallen on hard times and had to learn how to clean up credit card payment history. Yes I fully expected my credit score to be negatively effected. I was able to settle all debts and close all my accounts. This is were my complaint is. I paid off my student loans and now have stellar loans payment history. The other two credit reporting companies reflect this. Experian is not. They have not removed the negative remarks that the others have. Worse yet they keep attempting to sell me a product they sell as a service to help clean up my score. My score has is very good now for the unbelievable hard work I have done to make things Wright. Please help me with this terrible situation that this giant of the credit industry has or is doing to me. 
Thank You XXXX XXXX
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I was involved in an online trade scam and with multiple transactions I gave him over {$5000.00}. I contacted the bank to stop all those transactions but it was through XXXX and they are not able to stop it. Im trying my hardest to figure out who can help me investigate the scam artist as I do have some information and I did meet him so I know his face. Theres anyway that you can help me or help the situation be better please let me know
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XX/XX/XXXX USAA sent me a 1099-C form canceling my debt to them they sent this form to a 100 % XXXX veteran who does not pay taxes a form in which showed up in my mailbox only 3 weeks before i recieved my back pay form the VA for the decision that was made on my XXXX status at the time i had no real knowledge of what the form meant but as i read the fine print it stated i received the form because the debt was cancelled and or forgiven by the creditor if USAA would have given me more time or instead sent me a charge-off notice like the one i receive from XXXX i could have paid the debt off in full because i knew i was about to have the funds available to do so for the first time money i didnt necessarily have in previous years due to me fighting for the correct XXXX rating from the VA something that took me 9 years to fight for after i got the 1099-C Form i thought it was a blessing that i was being forgiven for this debt that incurred due to my car being repoed XX/XX/XXXX but that was not the case as it turns out USAA was telling the credit bureau that it was a charge-off in an attempt to destroy my credit behind my back something i just discovered XX/XX/XXXX 3 plus years later. had i been giving the proper knowledge of this debt back in XX/XX/XXXX i could have payed it off in full that XXXX and i could have paid it in full also that following XXXX when i received my back pay from social security. Im righting this complaint because after purposely misleading me and ruining my credit behind my back they are now asking me to pay a debt that was " canceled " due to the 1099-C form and yes there is a precedent for this kind of issue as it did play out in a kentucky court room but under different circumstances. Its not fair and should be illegal for a bank to do this to anyone no matter if its personal or not i received 40 times a charge-off mark on my credit report keeping me from using my VA loan, getting a credit card, personal loan, and i also receive 18 % interest rates on anything i do get and i didnt know why until now. i found out about this incident through XXXX when i checked XXXX XXXX XXXXt did not show this information all it listed was repossession and a balance of XXXX dollars something i did inquire about last year and all i got from a USAA representative was " I dont know '' as of now if i have to pay the debt i will do so once the notice get to me later this month but i would like to know is there anything that can be done about the history created on my credit report? when companies do inquiries they will see the 40 charge off and deny me i did not serve my country to be XXXX  by it from a bank that gave me a poor car loan to began with on a used car something i regret and for the record had i not been fighting for the correct XXXX designation i would have never missed any payment or send them half of one in the form of a money order!
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

My name is XXXX XXXX and I am a XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I started working at XXXX in XX/XX/2021. I, like my co-workers in the XXXX, use the square app for payment. Square.com has held my funds for the last 4 months citing a new " policy '' that they hold payments for new customers for 90-120 days. 

I need to pay booth rental, buy products as well as pay housing rent, food, etc. I have over 10k in that account and whenever I try to transfer the money to my bank account it gets denied. I need help as soon as possible.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

Hi! 

We bought XXXX gift cards from XXXX worth {$750.00} ( XXXX ) as a wedding gift to our best friend 's wedding. 

The cards were purchased on XXXX XXXX. Our friends when they tried to use the card a few weeks later but to their surprise they noticed that {$500.00} gift card already had multiple transactions charged for small amounts by XXXX totaling {$490.00}. 

On XXXX XXXX our friends initiated a dispute with the vendor and they were told to wait for 90 days. On XX/XX/2022 the vendor came back stating that there was no fraud detected on the card and we were advised to contact XXXX to check on their side. 

On XX/XX/2022 XXXX also replied and stated that they were not able to detect the fraud and money will not be refunded. 

Now after all these months of struggling with multiple vendors we still have not received any refund.