davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (NY)

In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP (CA)

MANDARICH law has filed a law suit against me on behalf of XXXX who stated they are collecting for XXXX card ending in XXXX which was charged off back in XX/XX/2014 ... and I believe is out of statute of limitations. I contacted XXXX who stated they are NOT trying to collect on this account and to contact XXXX. XXXX started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... 
I contacted MANDARICH law whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (WI)

Today I learned your organization has reported a balance of {$210.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. 
I have requested additional information from your representatives via phone but have not received any original documentation showing dates of service or information regarding the patient. 

Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Both my wife and myself have problems with our security freezes on Equifax. We can never do it online and have to call every time. What is worse is that when my wife tried to lift her freeze on XX/XX/2020 she was not able to. When they asked her various questions they insisted that she has a mortgage in her name, she does not have a mortgage in her name at this time and has not for at least 2 or 3 years. They then wanted either a faxed copy or a mailed copy of both her driver 's license and social security card. Since we do not have a fax this is an unreasonable request and there is no way anyone in their right mind would mail this information where it can easily be stolen. We have had these ongoing problems with Equifax for several years now. We do not have these problems with XXXX   or XXXX. It is making it impossible to get credit in many cases. We also have problems pulling our free credit reports.
Consumer complaint received 2020-03-10
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. (GA)

I am a victim of identity theft. I have disputed this fact with all three credit bureaus and as a result, XXXX  and XXXX  have completely removed the errors. However, Transunion has not.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I purchased a new vehicle on XX/XX/XXXX and it was financed with Ally Financial. The loan was paid off in full on XX/XX/XXXX which resulted in an over payment of {$950.00}. When I didn't get a check I called on XX/XX/XXXX they told me a check was cut and it would be 7-10 business day to mail. I called again on XX/XX/XXXX as I didn't get the check. Was told it would be overnight to me and I would get it in 1-2 days. Called again on XX/XX/XXXX was told check was not processed yet and another give it another 1 -2 days. Called XX/XX/XXXX was told check was cashed on XXXX, told them not by me and I needed a copy. Was told case was escalated to their executive office and someone would call me on XX/XX/XXXX @ XXXX. I did not receive a call. I called today XX/XX/XXXX and was told to give it 24 -48 hours before I could get any answer and a case # XXXX was given. Each time I called was a minimum of hold time of 45 plus minutes.
Consumer complaint received 2020-03-09
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. (AL)

I am writing because Equifax continues to break the FCRA. Obviously, this company feels they are above the law. After several dispute results saying the Chapter XXXX bankruptcy was " verified '' by XXXX - which is a flat out lie. So either they have not done an investigation or they just lie and send out form letters. I have enclosed a letter and proof from XXXX no bankruptcy is being reported in XXXX ; yet, Equifax continues to claim they are verifying the information through XXXX. Additionally, I also enclosed a letter from the court which states they have not provided any information to " any '' credit reporting agency. I would also like to report that XXXX  and XXXX  deleted the bankruptcy from my credit report, so how is Equifax verifying this public record? The FCRA states third parties can not be used to verify anything and all data provided must come from the furnisher of the information.
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (AZ)

I can get my credit report on XXXX XXXX for XXXX and XXXX XXXX but Experian says no data available. 
I have no debt and I have paid XXXX XXXX to assist and still nothing. 
I cant build credit because Experian. 
So how can XXXX XXXX pull data and Experian not? 
To me this is a scam because Experian says I qualify for loans and then I am denied the loans causing inquiries to add up. 
Experian is causing the problems and charging me to see Credit report when they have no score. 
This is negligence and fraud any lawyer and judicial court can see it.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I added a guy on XXXX  that goes by the name XXXX   he lives in the XXXX and he posts videos of him buying item clothing and electronics and shipping it to people that buy from him, I bought a XXXX from him on the XX/XX/XXXX he said the XXXX would come between XX/XX/XXXX- XX/XX/XXXX i sent him {$110.00} for the XXXX, I then messaged him for the tracking number and he didnt answer I then messaged him again and he blocked me
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (GA)

I have mailed and also tried to use the online system to upload a request regarding unidentified fraudulent accounts as a result of identity theft .... I have had no response via mail and I can't use the online system it will not allow me to upload any documents ... these accounts are fraudulent and need to be blocked and permanently removed from my file I have already sent letters to the credit bureaus on this matter to no avail that's why I am trying this to submit the information here
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Hello I woke up to my account being disabled for trading on XX/XX/2019, I did not received any email, text, notification or any other form of contact letting me know my account was restricted, I spoke twice to coinbase representatives during the day, the first one hang up the phone on me when I asked to be transferred with a supervisor, the second did not transfer me either, just kept saying " a specialist '' has to review my account, then I received a case number by email ( Case # XXXX ) I'm filling this complain because of the lack of communication and poor customer service from coinbase, I have been a loyal customer for many years, I also trade a lot of money monthly, I think im not receiving the treatment I deserve as a customer, you just can not disable a customer 's account without at least sending an email with an explanation. 

I have a balance of {$270000.00} on my account which I use to trade, I trade for a living so I don't have any other form of income, that's why im trying to get this solved as soon as posible.
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (IL)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IL)

RECEIVED NO NOTICE OF PAST DUE AMOUNT ON ANY ACCOUNT, CAN'T VERIFY OWNERSHIP, AND ONLY NOTICE WAS FROM IRS FOR 1099 THAT WAS NEVER SENT TO ME FOR FORGIVEN DEBT RESULTING IN INCOME TAX LIABILITY
Consumer complaint received 2019-08-24
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: Franklin Collection Service, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at FRANKLIN COLLECTIONS. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-08-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I logged in to make my mortgage payment, however, their website was non working when I would hit the make a payment option. I would show up as loading for long periods of time and wouldn't go anywhere. When it finally took my payment, it was minutes after XXXX XXXX. 

I made the payment before midnight, but they still marked my payment as a 30-day late. The payment was submitted before XXXX. 
I contacted them and explained the situation and the trouble I had with their page while making my payment, but they said that they couldn't do anything about it, and that I would have a late payment reported to my credit.
Consumer complaint received 2019-08-24
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. (FL)

The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both XXXX and Trans Union. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

As of XXXX  last night my homeowners insurance policy has been cancelled from the negligence on behalf of New Rez. I have been directly in contact with these people on email that has been ignored and a phone call to the insurance team with New Rez on the XXXX to try to ensure an already late payment to be made by the XXXX. My attorney contacted them yesterday and we were jerked around with constantly being placed on hold and then the out come was a bogus or invalid tracking number provided to us by the 3rd hold attempt we encountered. My statement balance is also in question going back to XXXX as my payments were not properly applied. I have submitted all my bank records that show I have paid and again all my emails have been ignored. Upon reviewing the XXXX comments and found they have about the poorest review a company can have and read anything from fraud to possibly theft statements on the XXXX website I do urge for this company to be investigated to the fullest extent of the law. There was not excuse for my insurance to be cancelled and I will not tolerate the attorney games that seem to be going on as they appear to be happening.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have applied for a credit increase on two Capital One credit cards out of the four that I have. I was rejected on both because my usage and payment history were considered inconclusive, I have a credit score of over 800 ( FICO ) and I have never missed a payment. Capital One should have the decency in at least granting a small credit line increase based on my loyalty and impeccable credit history with Capital One. What if there is an emergency and I need more credit? Capital One should anticipate human needs and not solely rely on just metrics. The two credit cards have a  {$3000.00} ( XXXX ) and {$3200.00} ( XXXX ) credit limit. I requested a new line of credit with an increase to {$6000.00} ( XXXX ) on one card and {$6500.00} ( XXXX ) on the second card respectively.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I went to the XXXX XXXX XXXX Bank of America location to use the atm to deposit some money. I was approached by 2 men and I am only XXXX and around XXXX XXXX  so I was frightened. THey told me to deposit a check and withdraw {$880.00} at first I said no a couple times and asked others around me to help me but they kept pressuring me and insisting i do what they tell me to do and one guy was standing by the door. I was very scared and eventually because of my silence the guy steps to my machine and inserts his check and puts in the amount he needs to withdraw and tells me to put in my PIN number and because I was scared I obeyed. They take the money and run out. I immediately go inside to the bank Vice President and tell them what happened and they told me they would file a claim and call the police and catch these guys. They also promised me that the bank will give me my money back. I call back 3 weeks later to check on my claim to discover that they did not call the police that day at all. A week later my claim comes back rejected and I call the bank who then reopens the claim. The next day I receive a phone call saying my claim was rejected because they felt like I couldve canceled the transaction and left. I dont know how to cancel it and like I said one guy wasnt blocking the door. This kind of situation shouldnt even be happening and its the banks job to prevent crime from happening at the bank to keep our money safe. As you can clearly see my money was not safe that day. Also the bank shouldnt be saying what I couldve done when they were not in my situation and the fact is I was robbed at their bank location and the bank shouldnt have let it happen in the first place. The bank also shouldnt have employees who tell me that the bank will return my money and lie saying they called the police I also tried tried to file a police report and they told me that they dont think they will be able to catch the guys because its been a long time. The reason why the police wont even catch these guys is because the staff lied to me if they didnt lie and call the police they probably wouldve caught the guys. Also the bank should be at the lookout for suspicious activity. Wasnt it suspicious 2 guys were standing around your atm approaching a girl trying to use a machine. Before I got robbed my account was at {$400.00} how can you withdraw a larger sum of money {$880.00} when you havent even accepted the check yet. My account is now at a negative balance and they expect me to pay them. Its partially their fault my money is gone and they should accept responsibility.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had issues of multiple unauthorized ACH transfers from multiple remittance companies starting in XXXX, XXXX, XXXX, XXXX and XX/XX/2019. I have visited the Chase branch at XXXX XXXX, California multiple times and have closed and opened new accounts four times. However, my newly opened accounts continuously are compromised with unauthorized charges. I have asked Chase for options to control my account from either restricting ACH transfer to select merchants, using two factor authentication to approve for ACH transfers or rejecting ACH transfers from any remittance company. I have been advised by Chase that there no control options other than to close the account or to call Chase if an unauthorized transaction occurs. This also requires me to sign an affidavit acknowledging the unauthorize transaction every time an unauthorized transaction occurs. This is simply too burdensome. I have closed and opened new accounts 4 times, per Chases advice. I have run anti-malware and anti-virus software on my computing devices and they all came out clean. The unauthorized transactions keep on occurring and Chase is stating they dont have any controls or mitigation steps to secure my account. Please assist.
Consumer complaint received 2019-08-24
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. (GA)

I am a victim of Identity theft. I have submitted theft report to Experian on XX/XX/2019. However, the items I have listed in the report still shows on my file. The Fair Credit Reporting Act section 605B requires credit reporting agencies to block information received from consumers who have file identity theft report within 4 days after receiving request. The items I submitted to Experian to be block is still showing.