davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (RI)

XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2017-12-26
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. (MD)

My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (DE)

I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Missing SEPA withdrawal since XX/XX/XXXX - Initiated SEPA withdrawal of XXXX from Coinbase to my bank account on XX/XX/XXXX XXXX CET - Promised completion of this transaction XX/XX/XXXX - Support ticket created XX/XX/XXXX - > Still waiting for any response or action - Transaction shows still " pending '' in Coinbase account
Consumer complaint received 2017-12-22
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: DISCOVER BANK (CA)

I applied for Discover secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XX/XX/XXXXand XX/XX/XXXXXXXX
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.
Consumer complaint received 2017-11-01
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: Selene Finance LP (CA)

I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid. 
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!
Consumer complaint received 2017-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A computer glitch that was TransUnion 's problem - not mine - caused two inquiries to be deleted from my credit report. 

TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to the inquiries being added back to my report. 

I called TransUnion in good faith today ( speaking with XXXX ) and asked them to delete the items that were illegally re-added. He informed me there were never any glitches at Transunion and that the inquiries are valid. These inquiries are an added hardship to me, as I am diligently attempting to ensure that my credit report stays clean and accurate. I feel that I have been victimized that that my simple request to remove the inquires should have been honored. 

I am now asking that you assist in getting TransUnion to remove all inquiries from my credit report as a violation did take place when they were re-added.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX  falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. Equifax just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined Exquifax and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX, Equifax and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

For ten years we never had payment issues with our previous loan servicer XXXX. Unfortunately, XXXX XXXX recently sold our mortgage loan to a private investment company. The new owner uses a different service company called Select Portfolio Servicing Inc ( SPS )  based in XXXX XXXX XXXX, UT. 

We 've had nothing but problems with SPS from the very beginning of our relationship. Unlike XXXX, SPS does not put the amount due on our monthly statements. 

I 'm forced to call the SPS call center every month to get the amount I have to pay. Unfortunately, every time I talk to someone at SPS, I get a different answer to how much I have to pay. I call multiple times to see if I can get an agreement on the amount I have to pay. Usually I choose the highest payment amount given to me. 

When I get my next month 's statement, I see that the amount I paid was incorrect. When I call SPS to find out what the correct amount was for the previous month, once again I get different answers depending on whom I 'm speaking with.
I tried to talk to a SPS call center supervisor, but each time I 'm told that there is n't one available, and a supervisor will call me back in 48 hours. Of course no SPS supervisor ever calls me. 

The SPS call center representatives are so bad, unskilled, and unhelpful, that for the first time ever, I wish SPS would outsource their call center to XXXX. 

Ever since SPS has become my mortgage loan servicer, I spend HOURS every month trying to pay my mortgage. It is an ordeal dealing with this company. I just want this nightmare to end.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Greetings, We have had several Chase Bank Accounts for well over several decades and are very happy with our service. However, the last incident we feel should have been handled better and without a penalty to our family. There were several transactions that were automated that came through our account in the month of XX/XX/XXXX and XX/XX/XXXX. My husband had emergency XXXX after being diagnosed with XXXX XXXX XXXX XXXX XXXX I had power of attorney and I contacted his automatic bill payments Creditors that were going to take the funds from the account. I was told they were not able to speak to me. They needed the actual power of attorney documents mailed into the office and had to be reviewed by the their legal team. They were adamant they needed to speak to him, however that was not possible. During that time, five of these creditors continued to debit the account even though there were no funds to debit the account to this magnitude. No time in our 15 year history has our account ever gone in a negative process to this degree. I spoke with Chase, asking was there something that could be done and I was told no.
So, for one month this account was in the negative. The creditors were able to stop the automatic ach 's because they were able to review the power of attorney which gave me power to handle my husband 's business. My disappointment is that after speaking to a branch manager, I was told that the customer service representative should have told me to step into the branch to close the account and open another account. To add further insult, Chase has reported this information to the XXXX XXXX XXXX. I do not understand, how and why if I reached out to the bank prior to the account going negative letting them know what was to occur, why I was not given an option to close the account and open a new account. Because of the early reporting, I can not pay my utility bills with a check. I feel that I have been penalized several times by Chase. Even through they waived 50 % of the fees, I believe I should not have had any fees in addition to that, I should have not been reported to XXXX My concerns is that is Chase is concerned with making money from fees, and locking me in with them, because we are also unable to open an account with another bank. This is very disheartening and my husband is being penalized again for getting sick and having being diagnosed with XXXX
Consumer complaint received 2017-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been the victim of identity theft for several years now and have been monitoring my credit file each month. Someone unknown to me used my ssn for medical services in the state of XXXX NC. I have never authorized anyone to use my SSN for services and do not know who the individual is that used it. I filed a dispute with the colleciton agency who sent me a letter on XX/XX/XXXX confirming ( confirmation number XXXX ) that my identity was used fraudulently and they will notify Transunion that this negative mark should be removed. I placed an investigation with Transunion on XX/XX/XXXX. on XX/XX/XXXX I receive my investigation results from Transunion stating that the information is correct and will remain on my file until XX/XX/XXXX. There is no possible way that this information is correct because 1. the person name does not match the social security number used. 2. I have never lived in XXXX and have lived in California for over 30 years. 3. I have a confirmation letter from the collection agency saying that they notified Transunion of the error on XX/XX/XXXX. Transunion investigation was incorrect and seems they are bypassing what the collection agency has reported to them. THis negative marking needs to be removed from my file. 

Reporting company XXXX XXXX , XXXX . 
on Behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear XXXX, Trans Union, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of 10 Billion Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I applied and received a discharge on all of my student loans but this one. They refuse to talk to me and now they are having {$200.00} taken from my XXXX XXXX every month! 
I ca n't afford to move because of this.
Consumer complaint received 2016-06-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Account Systems of Connecticut, Inc. (MD)

I started making payments on the debt but then my account was sent to collections. They were sent a letter providing them with information as to whom the remaining balance of my bill should be sent to but then I received a couple of notifications from a collection agency who has now posted the debt on my credit report, which has caused my credit score to drop significantly.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.
Consumer complaint received 2017-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent the dispute letter below to Trans Union to correct the way items are showing on my report. I included pages from a prior credit report I retrieved on my own through a lender. When they went through their investigation, they now show one item " charged off '' for XXXX which is incorrect, it should be " paid '' and XXXX XXXX loans were paid off because I refinanced student loans that paid them off! They still reflect it incorrectly making it look like the accounts are still open which do affect my FICO accuracy with them. I want them all fixed per my original request. The XXXX one was the most shocking. Where did they get that info from stating it was charged off in 2016? It was not. It was paid and the company ended up being sold to XXXX who has been just awful. These bureaus need to be shut down because they 're incapable of keeping accurate records. I want both problems corrected to reflect " paid '' on all.
Consumer complaint received 2017-10-13
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: Performant Financial Corporation (GA)

On XX/XX/2017 A Company who calls themselves PERFORMANT FINANCIAL CORPORATION was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the Consumer Reporting Agency without Consumer Consent. I want these Foreign agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have tried multiple times to get this loan refinance to a lower rate to only be told that I could not do it even though I got my other loans refinanced. They have also miss XXXX payments that does not seem to be corrected. The current interest rate is 14.25 %. My current balance is {$17000.00} on a loan with the original amount of {$6600.00}. I have been paying on this loan since XXXX.