davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
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. (NY)

I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and XXXX said I haven't paid the account in months. After speaking to various people at XXXX I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge XXXX reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called XXXX and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the XXXX 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to XXXX 's negligence.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

This complaint is about a {$150.00} statement credit stated in the promotional terms and was also confirmed by sears cardmember services in a letter that it will post to my account on XX/XX/17. But as of today that credit still hasn't posted.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

This originated from Walmart. I tried calling to get verification from Walmart which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from XXXX I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with Walmart was not {$2800.00} which XXXX states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling Walmart I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX at XXXX XXXX, I started a withdraw of {$10000.00} ( from the sale of my cryptocurrency on their exchange ) from XXXX ( https : XXXX which is an arm of Coinbase ). This withdraw was to be a direct deposit into my XXXX XXXX XXXX account which I had used with them before. XXXX indicated that this would take a maximum of 10 days. The next day ( XX/XX/XXXX, XXXX XXXX ) I began a second withdraw of {$1200.00} to the same bank account. After about a week ( ~XX/XX/XXXX ), XXXX indicated that both transfers were " complete '' however I had received no funds and their transfer information said that the expected payout date and time was always the current time upon refreshing the page. I submitted a request to XXXX support on XX/XX/XXXX and only received an automated reply. It has now been more than 20 days since I initiated the withdraws and more than 10 days since I requested support from XXXX and received no reply or explanation. The withdraw info continues to indicated that the expected payout date and time is right now, but my bank shows no pending deposits. As a side note, I have used XXXX twice in the past and they only took a couple of days each time to complete the transactions ( each totaling {$10000.00} ). I have attached a picture of the transaction info XXXX provided for the two withdraws in question.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX, I submitted a ticket to Coinbase. The company has a vault feature where they will hold funds until two separate email addresses approve the withdrawal into the normal fund account. I submitted a ticket because my secondary email address was not receiving the email to approve the transaction. I've called twice while waiting over an hour to get a human response on both occasions telling me they couldn't do anything. The tickets that I have on file continue to be updated with the generic/robot answer saying they are working on it. It has been one month that I have had to sit idly by and not be able to touch my funds. The company is absolutely inept and incapable of fixing even the most simplistic tasks, while also continuing to take on millions of customers they can not provide customer support to. I have not had access to my money/crypto-currency for over a month. They refuse to reset my account in any way shape or form and I need access to my money they are holding XXXX. I am at my wits end with having zero customer service and month long waits on having a simple account reset.
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC (CA)

my previous mortgage company, SLS, reports on my credit report " foreclosure proceedings started '', i ended up settling and doing a short sale. my report should show short sale, by leaving the foreclosure proceedings started on there, it precludes me from getting another mortgage for 7 years instead or 3-4.
Consumer complaint received 2024-08-14
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-01-26
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. (WA)

Equifax is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX Equifax, XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I recently received my updated credit results as of XX/XX/year> and I noticed that there are still some inaccuracies. The specific account is XXXX XXXX # XXXX. The alleged account came back updated. How does the bureau do their thorough investigation? XXXX and XXXX has DELETED this account. 
I have sent numerous letters stating that the company needs to send me the ORIGINAL CONTRACT with the LIVING ENITIY SIGNATURE. I firstly mentioned that the alleged account does not belong to me, and you are in violation for reporting an inaccurate account. Its your grave responsibility to report information accurately and accordingly. Your negligence has violated my FEDERALLY PROTECTED RIGHTS and put me in an unsafe and unsound transaction. 
Additionally, I have NOT given any BUREUA ( XXXX, XXXX, and Equifax ) permission to furnish ANY information on my credit report. According to 15 USC 1681 ( B ) ( C ), THAT IS A VIOLATION. Both of my Consumer and Privacy Rights are being Violated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-14
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)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

I purchased a mobile home in 2000 from XXXX XXXX XXXX in XXXX al.i was told by the salesman that I was approved for a use office trailer for XXXX I had several option 15, 20, 30 years and so I took the higher payment so I can pay off in 20yrs and now ditech say I have 13 more years to pay ... .and my balance is still XXXX..I just need some advice on do I need to contact a lawyer, and they call everyday every hour if the day ... I don't know what to do ... .the house need repairs but can't make repairs..
Consumer complaint received 2018-01-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc. (LA)

A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hi CFPB I raised a support ticket with XXXX, immediately after the platform crash they suffered, on the XX/XX/XXXX and again on the XX/XX/XXXX. They have only confirmed that they had received the support tickets, but did not provide support ticket references, then sent out an standard email on XX/XX/XXXX confirming they are having delays dealing with tickets ( which I empathise with ) and that they are prioritizing their responses. 

The contents of the second ticket, sent XX/XX/XXXX, explained my issue : " Hi Support I have not received a response to my request as yet, please can you help? 

My sell order for XXXX for XXXXBTC incorrectly fired around XXXX on the XX/XX/XXXX.  Your systems also dropped so rapidly it sold at levels far below XXXX - XXXX to XXXX, XXXX ... please provide evidence if was due to a system error and not a real price. 

Can you also confirm that the historical graphs for XX/XX/XXXX, around XXXX British Mean Time, now look completely different to what XXXX was showing on the day for the price of BTC/GBP ... now your site is showing a peak of XXXX but it definitely spiked at XXXX. 

Your graphs are now showing a low of around XXXX - my sell order was XXXX ... this is clear evidence that the sell order only fired due to your systems falling over. 

Can you confirm you can see the sell order cancellation request prior to your systems erroring? This was done around XXXX? 

I lost approximately XXXX of a BTC ... I'd purchased XXXX of BTC that morning and this error has wiped out my investment on that day effectively. 

Please can you help resolve this issue and refund me for the lost BTC? 

Much appreciated XXXX XXXX '' On the day of the XX/XX/XXXX the sell order fired incorrectly at XXXX British Mean Time and I then bought back in at XXXX when the price on XXXX had returned to the correct market value. I sold XXXX BTC and bought back XXXX BTC. I lost XXXX BTC due to the incorrect sell. 

There were also 2 charges of XXXX and XXXX from XXXX for the trades. None of these trades should have taken place and I should not have been charged due to the XXXX platform fail over/glitch. Please can you help? 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Our son was in a horrific accident in XX/XX/XXXX, I called the Mortgage company to explain to them that in order for our son to come home we had to modify our home, unfortunately the only money at the time we had was our Mortgage payment and we used it to make our home accessible for our son, now that he is XXXX. Things were okay the first few month 's, but shortly after Wells Fargo would deny taken payment over the phone they would put our money in a " suspense account '' time and time again and release the money and it unfortunately repeat over again. After trying for months to work on it, in mediations with Wells Fargo we had no alternative, but to hire an Attorney. Ultimately our home was foreclosed on even after our attorneys submitted document after document, month after month in order to refinance our home we were even approved for HOPE and after submitting the documents to our attorney 's they advised us that there was nothing they could do that they were foreclosing on us and we had to be out of our home. We lost our home that we put our blood sweat and tears into that home, our son feels he is the blame that we lost our home and now we have bad credit due to this.