davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED (NY)

I owed XXXX around $ XXXX after graduating. After graduating, an agency called the " National Credit Systems '' hit my credit, claiming that I owed them $ XXXX. I never received any notice from NCS, but I did receive a call from XXXX XXXX XXXX, who I am currently paying my debt through. XXXX Bursars office has confirmed that XXXX is the correct agency. I tried calling NCS to ask why they were hitting my credit for a debt that is not owed to them, via a contract that does not exist between them and XXXX. The person on the line was incredibly rude, intentionally vague, and would not tell me why they claimed debt against my credit. I mentioned that XXXX confirmed XXXX was the correct agency and that NCS was not, and the representative hung up on me. I've submitted a claim via XXXX, but I'd like to report predatory practices here as well. There are many young recent grads who are in the dark about how debt is bought and sold. Based on a conversation with an NCS rep and due to the fact that I still have their company 's fake balance impacting my credit, I have reason to believe they are intentionally preying on recent grads.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

This complaint concerns my personal account on Coinbase ( coinbase.com ), a centralized crypto exchange platform. On XX/XX/2023, XXXX XXXX XXXX, I received an email stating " Suspicious activity detected on your Coinbase account '' and my account has been " temporarily disabled ''. I have not violated any terms of services, I am the sole owner and manager of this account, and I have not observed any fraudulent activity on the account. ***I am unable to make any transactions, including withdrawing funds, on my account, with no explanation, timely updates, or a timeline as to when I will be able to move my money. I have talked to online support ( live chat ) multiple times and have been told that I must wait, with no updates. *** This is unacceptable and unprofessional behavior. I am requesting that this complaint expedite their review and/or immediately enable me to withdraw my funds and have my account restored. My most recent case reference number is XXXX.
Consumer complaint received 2023-08-15
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. (NC)

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 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

We purchased the home in XX/XX/21. Since then the home has gained value. It's a new construction home. PHH mortgage company said they would be willing to drop the PMI with a new appraisal. I mailed the money to pay for the PMI drop and they received it. A week later they mailed me a letter saying the cost had gone up. I mailed a second check. For one month they said an appraiser would call me to schedule the new property appraisal. The appraiser never called. I called PHH mortgage multiple times and they told me they would escalate the issue with the appraiser. Then one week ago they called and said I needed to make major improvements to the house for them to give us additional value. The home is brand new, we can't and won't make any major improvements. I work for a mortgage lender and completely understand the process and this is not correct. Please help! Our current LTV is 66 % well below the 78 % needed to drop PMI
Consumer complaint received 2020-08-06
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. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED ON MY CREDIT REPORT.
Consumer complaint received 2020-08-06
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}
Consumer complaint received 2020-08-06
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Item : XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX Opened on XXXX XXXX and XXXX XXXXXXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX account # XXXX Opened XX/XX/XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-06
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}
Consumer complaint received 2020-08-06
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXXXXXX XXXX XXXX   XXXX {$550.00}
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

My Experian credit report credit information does not match other credit reports XXXX not XXXX XXXX, My Experian score is more than 40 points lower using the same credit scoring system, I looked at the accounts and credit information is wrong
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX/XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}
Consumer complaint received 2020-08-06
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2020-08-06
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. (FL)

I am experiencing great difficulty in getting Experian to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Experian that my information has been compromised to obtain a XXXX, XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  credit card which are currently in default. I have provided Experian with a copy of the FTC report, my current lease ( I have resided here since XX/XX/ 2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have these fraudulent accounts removed from my credit report. 

In speaking with an Experian Supervisor today, she informed me that the accounts were not removed because the above furnishers were able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Experian has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Experian ) which would explain why it was so easy for these fraudulent accounts to be opened as well as for the furnishers to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Experian as evidence that these credit accounts are accurate. This verification has been requested several times and Experian has failed to provide it which is against the law. 

As such, I am demanding that the following accounts listed below be immediately removed from my Experian credit report : XXXXXXXX XXXX :XXXX XXXX XXXX //ACCOUNT # XXXX XXXX XXXX XXXX XXXX//ACCOUNT # XXXX XXXX
Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I originally contacted FedLoan regarding a change ( DECREASE ) in my number of qualifying PSLF payments made and received a response in XX/XX/XXXX. This is the message I sent : " On my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it showed 2 loans disbursed XX/XX/XXXX with a TOTAL OF 56 and 55 qualifying PSLF payments made. 
Now, on my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it shows 3 loans disbursed XX/XX/XXXX and now my TOTAL qualifying payments have been reduced to 2, 2, and 3. " When I asked for clarification I was told that my loan accounts needed " extensive review '' to count all the qualifying payments. I waited until XX/XX/XXXX and followed up with another email correspondence and received a very similar message. It is now XX/XX/XXXX and I still do not have an accurate count of my qualifying PSLF payments made. 

Thank you.
Consumer complaint received 2020-08-05
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. (TN)

I have tried to contact XXXX by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX and Transunion is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report US DEP ED XXXX {$4000.00} US DEPT ED XXXX {$6200.00} US DEP ED XXXX {$2700.00} US DEP ED XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$230.00} XXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} USDOE/XXXX XXXX {$52000.00} US DEP ED XXXX XXXX US DEPT ED XXXX {$3700.00}
Consumer complaint received 2020-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I am XXXX XXXX XXXX XXXX, I have a paypal account about three years ago, they deposit me for my XXXX  therapy and XXXX XXXX services, the problem is that some time ago they started asking me for a certificate from the company which I said that I was in the process since here in XXXX I had problems with my address for a place that I had physical and as I changed my address there were problems with Internal Taxes, at the end last year in XXXX I could fix it after two years with the process and I could get the happy certificate that here in XXXX talk about Initiation of Activities I sent it to him and a month ago that they are with problems that now they limited my account I can not get my money from which my clients have paid me and it is not money laundering in any case and they tell me that in 180 days my account will be returned to me and that is six months withheld which by law they can not do in any country. I need the money I have there and I also want the case to be defended because they are trampling on the rights of international clients. My email is XXXX with that I have the paypal. I hope you can help me, I send them my identification documents and my initiation of activities. regards.
Consumer complaint received 2020-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

First and most important, after I summited to them the amount of $ XXXX on a {$80.00} dollar loan I saw that the outstanding loan balance had not decreased at all. So I reached out to them for an itemized account of the distribution of the funds just paid. After several attempts to reach them through my VA HUD Rep., contact was made. The result of the contact was information on how to request the requested information. Note : It seems as if after the receipt of the XXXX they've been unwilling to communicate with me. I have per their own instructions written and requested the following without response. 
1, A complete breakdown down of the funds being applied. 
2. Ballance of loan or payment coupons. 
3. My relationship manager will not return calls to me or my HUD Housing Counselor to move forward with obtaining the pre-described information. 
Additionally : after 6 years with not one credit report from them and after they received funds as negotiated sum, they punitively reported delinquents to the credit reporting agencies.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (UT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear  grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law