davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX, has a loan on my credit report. XXXX XXXX, does not tell me how much I owe, where i owe this money from, or who has now purchased this debt so that I can contact them and pay it. 

Theyre predatory.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you
Consumer complaint received 2017-11-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Ally Financial, specifically a person named XXXX at XXXX at extension XXXX is repeatedly call my number, my wife, friends, family and people I barely know telling them to call him and then have me call them. He even called a friend of my wife the day before our wedding on XX/XX/2017 that she needed to call him and have me call him before our wedding because there are serious issues going on. I am behind on payments due to my divorce and having to leave my job due to a dispute with my employer over funds they owe me. I am trying to get back on my feet but this is now clearly harassment.
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I attempted to purchase {$2000.00} in bitcoin from Coinbase inc. Their mobile app froze and i went to do it on a computer. Unknown to me they duplicated the transaction. So instead of {$2000.00} it was {$4000.00}. I contacted them to explain for which they told me tough luck. I contacted my bank to alert them and they took steps to stop the duplicate. However according to a support specialist at coin base, they decided to take {$2000.00} from me to cover that transaction. This makes no sense as my account went from {$4000.00} bitc coin to XXXX. Im not sure why they took the othetr {$2000.00} our and when I asked them where the money went nobody knows. So basically they stole money from my account and made is mysteriously disappear.
Consumer complaint received 2017-11-21
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. (LA)

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
Consumer complaint received 2023-07-18
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. (TN)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BARCLAYS BANK DELAWARE (TX)

In XXXX of 2019, I received a XXXX XXXX notification that my credit score took a turn for the worse due to a missed payment Barclay claims was my fault. Even though this was reflected on my account, I have no records of owing Barclay the amount reflected on my account. Due to this, I was taken back when I saw the amount I owed Barclay. When I received notification from Barclay that I missed a payment I promptly paid the full amount plus interest. 

I contacted Barclay over the phone on XXXX of 2019 to dispute the missed payment. They told me it was not possible even though I have never missed a payment for being a loyal customer with them for two years. 

I included the letter in this request that I sent to Barclay and asking for your assistance in making sure this is fair to me.
Consumer complaint received 2019-06-05
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. (KY)

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX directly to do so and for proof. 

They clearly like to play games and not abide by the law!
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: First Data Corporation (CA)

I attempted to pay for food items at XXXX XXXX in XXXX California on XX/XX/19 for $ XXXX.They ran the check through Telecheck who declined the check do to possible fraud.I then phoned Telecheck at ( XXXX ) XXXX at was told that they declined my check because their system had no information on me and that I had not written a check to this merchant since XX/XX/2019.This made no sense to me and I then talked to a supervisor who told me the same thing. I then told the Telecheck supervisor that this checking account has been open since XX/XX/XXXX and has an average balance of {$5000.00} and that we write over 300 checks per year.She could not give me any other answer other then their systems algorithm reconized my {$42.00} check as a possible fraud. She further stated that now that I had given Telecheck   my name ( and spouse ), mailing address and telephone number this decline should not happen again, but only after seven days which their system needed to refresh.I have always known Telecheck as a negative date base for bank accounts that merchants could use to cut down on bad checks.It now appears that they decline checks without any negative report of an issue in order to have people give them their personal information.My hunch is that they then market this information.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

I have a 0 % balance transfer and I keep making payment well over the minimum balance and any new charge balance and Chase is not applying it to the balance with an interest rate but applying it to the 0 % balance transfer. They told me there is no way for me to apply my payment to specific balances.
Consumer complaint received 2019-06-05
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. (KY)

In XXXX I got my credit report online and realized XXXX, Experian and XXXX XXXX are all reporting the same account twice. Once for the Original creditor ( XXXX XXXX ) and once for the XXXX XXXX ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.
Consumer complaint received 2019-06-05
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. (KY)

In XXXX I got my credit report online and realized XXXX, XXXX  and Trans Union are all reporting the same account twice. Once for the Original creditor ( XXXX Bank ) and once for the Collection Company ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (GA)

I dispute the XXXX XXXX XXXX XXXX belongs to me. I have request debt validation from XXXX and have been denied access to documents required by law. I am re-questing a re-investigation and the method of verificatio under the FCRA section 611 ( a ) ( 7 ). 
Please provide this information within 15 days of the request. 

I have also uploaded copies of Consumer Federal Protection Bureau documents sent by XXXX showing how they have not been able to locate my account, then went on to deny me copies of any documentation to show any validity to the claim of this account. 

How can a company deny me copies of a contract, bill, or legal right to collect any debt they have reported and Equifax be able to verify it
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (ND)

My card was cancelled without any communication. " except a letter that was mailed the day it was closed '' that I still haven't received. I have been in good standing with the card and made my payments. Now I've made medical arrangements for a procedure that I was having on that card in 8 days and Will no longer be able to have the XXXX  procedure because I can't use this card to pay for it. The scheduling has been six months out. I have also found their communication to be rude and never customer focused. It's unfortunate that I have had to count on them. I will never use their service again or recommend to anyone. That's too bad because I gave them great reviews initially. For the Interest rate  they have associated you would think they would be easier to work with. After being on the phone for 10 minutes to file a complaint there was still no indication they would even file a complaint.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank America Business Card is allegng i owe them monies, however their unable to tell me how much i owe, or what was charged.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I worked for the XXXX XXXX XXXXXXXX for 27 years as an XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX ) and was Forced to retire for reporting violations on the government system at age XXXX in XXXX. My students that was established in XX/XX/XXXXand should have been forgiven by the government as I applied, but it never took place. My loan was originally with XXXX XXXX but was turned over to Navient who is over charging students. My loan ended in XXXX at approximately {$17000.00} with an XXXX  Degree and I neve finished to get my XXXX yet my loan Went up to {$36000.00} plus. I contacted OPM who stated my loan should have been forgiven years ago. My Salary prior to retirement was {$71000.00} and now {$19000.00} annually. It is a struggle to try to maintain my current finances plus this student loan. I am a military spouse and my husband is currently suffering from XXXX and dealing with this situation and a student loan of this amount at my age is very stressful. I also have a severe physical, intellectual, or psychiatric XXXX and is in not state to repay a {$36000.00} Loan.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Consumer complaint received 2017-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.
Consumer complaint received 2017-11-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (OK)

I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to help me.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX deposit was made on my account, which was returned due to NSF. Immediately after, replacement check was mailed out, which cleared to the account. 
After the check was returned, restrictions were placed on my account and I was asked to contact Capital One 360, which I did number of times. I have left voice mails, as well as, sent a letters and email, though no correspondence/call was received by Capital One. 
During this time period, I received a letter by Capital One advising that I might be a victim of ID Theft, which I sent correspondence stating that I was and sent in all supporting documents. After long argument with customer service, I was able to get hold of the correct department, where I was asked what I would like to do with account and my correspondence was that I would like to continue having account with Capital One and take care of the restrictions on the account, which at that point there should have not been any issues with the account. Representative responded that they have already made their decision to discontinue the relationship. I requested to have the remaining balance in the account to be sent to me, when representative advised me that I will need to contact the third party and dispute the transaction on their end, which I do not believe is the right procedure when the bank closes someones account.