davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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. (MO)

The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

This has been going on since the entire year of 2019 I would pay my mortgage the checks would be cashed but not applied to my account I have had to call PHH Ocwen Mortgage Company just so I can get my payments applied correctly I had to do all the legwork send them front and back copies of the checks if they can apply my payments correctly they're getting a bad mark on my credit report which I am trying to rebuild
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allgate Financial, LLC (FL)

On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.
Consumer complaint received 2018-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

Was contacted by someone from a XXXX XXXX trying to collect on a loan. When I asked for more information, they threatened to call my work. Later, I ended up seeing a {$200.00} amount on my credit report from a payday lender. This lender was not authorized to make loans in my state and I did not make the loan. I am unable to get validation for the loan or debt. This is n't even someone who does business legally in my state. 

Collection is showing as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Calls to the company get directed to a person/line that is never answered once the receptionist answers. One letter sent 45 days ago was unresponded to.
Consumer complaint received 2019-08-12
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. (AL)

I attempted to contact Equifax and XXXX  to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( Equifax and XXXX  ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on Equifax twice ) XXXX XXXX - Balance {$390.00} ( XXXX ) CHILD SUPP - Balance {$1300.00} ( Equifax ) XXXX XXXX - Balance {$0.00} ( XXXX  ) XXXX XXXX - Balance {$300.00} ( XXXX  ) I also submitted a FTC Fraud Affidavit to Equifax and XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2018-01-16
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. (AK)

Hello, On XX/XX/XXXX, I signed up for monthly credit report monitoring through Privacy guard. I tried to pull my credit report file through the 3 credit bureau 's and Equifax came back with an error. I contacted XXXX XXXX and they informed me that the system was reporting an error when trying to pull my Equifax report. They told me to contact Equifax and ask for a credit information verification. I have contacted Equifax twice today on XX/XX/XXXX, attempting to verify my credit information IE : name social security number and address. They informed me that I have no credit file and to contact every single account I have and ask them to send all of my credit information to them. I had my credit pulled for a loan on XX/XX/XXXX, and it was reported by Equifax. I was part of the Office Of Personnel management hack and was given the 15 years of credit monitoring. On that website for the XXXX XXXX  it shows that report pulled from Equifax and yet XXXX from Equifax tells me I have no file. They have told me also to send them mail with my SSN card, drivers license with current address and a utility bill to verify my credit identity. How can my credit file exsist one day and in 3 days just disappear?
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

On XXXX XXXX, 2018 I purchased XXXX ETH and XXXX LTC for {$2100.00} USD and {$860.00} USD respectively through https : //www.coinbase.com. On their site, they indicate they advertise that after business 3-5 days, the ACH payment will process, and then they will provide the currency " instantly '' once the bank processes the payment ( see photo 3 for their advertisement of the process ). Based upon their advertising, my understanding was that I would receive the ETH and LTC within 3-5 business days from the time the ACH was initiated. On XX/XX/XXXX, the funds for the aforementioned purchases went out ( see image 4 ). At the very latest, per their advertisement ( image 3 ), funds should have been available by that friday, XX/XX/XXXX. By not having access to my funds and by falsely advertising when my funds would be available, I have experienced a tangible loss in value as the value of ETH & LTC have fallen substantially. Numerous other instances of Coinbase defrauding customers and cancelling or delaying transactions when it is convenient to them can be found online. I believe they are buying currency and fulfilling orders as the price suits them, rather than at the appropriate time when the funds are received per their advertised image 3. Customer support has been completely unresponsive to any inquiries and I 've received no responses from them. 

There has been no action from Coinbase despite taking my money 7 business days ago.
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-08-13
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. (IL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Allowed XXXX XXXX to report false information. Acknowledged over the phone that an account went down by {$76.00} and then went back up for no reason, allowed them to remove, then place back on my report, accounts that are paid in full and closed. You do not seem to mind that a company trashes someone's credit with lies. You make it very difficult to remove false info because you only ask the reporting agency and do not require them to prove anything.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX 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 those account 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.

( CREDITOR NAME ) 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 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I filled out an application for an apartment on XXXX that is located in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The supposed property owner XXXX XXXX   had stated he will be traveling and could mail the keys to me. As I am currently in XXXX and will be moving XX/XX/XXXX  to XXXX. He asked that I send $XXXX  to his partners Venmo Account XXXX XXXX venmo  name XXXX OnXX/XX/XXXX at XXXX XXXX. I sent $XXXX. The venmo   app said the payment was incomplete so I sent another payment of $XXXX at XXXX XXXX( 2 minutes after the first payment) Both payments went through and the second one was my mistake. User XXXX XXXX XXXX is stating he has not received either payment and it has been drafted from my federal credit union account on Monday XX/XX/XXXX I even called Venmo and an agent has stated the payments have gone through to a bank account ending in XXXX, however XXXX  keeps telling me to contact Venmo, saying XXXX XXXX account is frozen. That he has not yet been able to have access to the funds.I have been sending a request to XXXX XXXX from the venmo app for him to send back the money but the app says to contact him, stating the transaction could not be completed. I have been asking Venmo to look into this for me and I would like my $XXXX dollars back from the double payment. It is clear that I sent the extra payment by mistake and that something is wrong with this persons account. Due to the lack of accountability on Venmo's behalf I would like a full refund of $XXXX. If there is something wrong with his account per the Venmo agent I spoke to on Monday XX/XX/XXXX at XXXX XXXX She stated if you can not call the money back on the app then there is something wrong with this users account. I have multiple screen shoots of conversations with XXXX XXXX XXXX that will be attached as well.  I can provide the phone number of XXXX XXXX if needed.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I tried to buy a game currency for XXXX XXXX, and someone showed up in XXXX and offered me the service.

He provided 2 emails : XX/XX/2019 XXXX XXXX -negative {$360.00} Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2019.

Paid with XXXX XXXX XXXX XXXX XXXX XXXX Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Sent to XXXX XXXX   XXXX Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} And he also provided this other email : XX/XX/2019 XXXX XXXX + {$360.00} Refund The original purchase was on XX/XX/2019.

Refunded to XXXX XXXX XXXX XXXX XXXX Visa Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Seller info XXXX XXXX XXXX   Refund details Refund total ( includes tax and shipping ) {$350.00} Fee {$15.00} Total {$360.00} From the first email ( XXXX ) he did a refund, and told me to send it to the first one ( XXXX ) and then he blocked me and disapeared with the money.
Consumer complaint received 2016-01-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC. (MO)

Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX Acct # XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : Creditor 's XXXX XXXX XXXX XXXX XXXXXXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information. Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. I request that XXXX XXXX investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these XXXX bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE (MD)

BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. ()

I disagreed and requested an investigation into this Account : XXXX - Account Number : XXXX starting last year in XX/XX/XXXX with XXXX, Experian, and XXXX responded that they modified it with updates stating it was accurate. Last month, in XX/XX/XXXX, after reviewing my recent credit report I requested another investigation into the same account with the credit agencies. All three companies noted that they verified my account as accurate. Again, some Inaccuracies are still being reported in my credit report. For instance : the actual payment history of {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX and the past due amounts are inaccurate among all three credit bureaus reporting hurting my credit tremendously. Yet, they allowed these inaccuracies to remain in my consumer file. This account is not 100 % accurate -it is deemed INACCURATE and should be deleted immediately from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. I'm asking you to delete this inaccurate account from my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have applied for loss mitigation through our mortgage servicer, XXXX, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXX and have been trying to get help since XX/XX/XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and XXXX want to ignore the federal laws and illegally take our home from us. Please help!
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

Ive received a check from my former employer addressed to me. I was deposited at a atm and it was placed on a hold that is planned to release in XX/XX/XXXX. Yesterday XX/XX/XXXX I tried to make a cash deposit to bring my account balances up at the atm and It refused. I called customer support and my account got flagged for fraud. The check deposited to is a joint account with my partner and her personal separate checking account along with mine has also been frozen. Talked to customer support and provided a number from the check for verification but stated the number was out of service. My previous employer has cut off communication. Ive called multiple times and they could not give a clear answer on why this issue started.
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation.