davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX I sent my first dispute letters to all three bureaus ( XXXX, XXXX, and XXXX ) requesting validation/ verification for the following two Portfolio Recovery accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report. 

Following my dispute letters XXXX  removed the two accounts from my credit report. XXXX and XXXX continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation ( exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

Portfolio Recovery Associates is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore XXXX, XXXX, and XXXX  are liable for violating FCRA 15 usc XXXX. 

I have never received communication from Portfolio Recovery Associates stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc XXXX
Consumer complaint received 2021-03-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (CA)

I just purchased my first home using a VA loan. The appraiser assigned to me used the lot square footage listed on MLS. The problem is the calculation is incorrect and the lot is actually 2,000 sq feet less. I became aware of the missing square footage after I moved in. When I told my lender about refinancing the loan for the actual value of the home, they declined to assist me any further, stating I would need the seller to agree to a new purchase price or contact a lawyer.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

Hi, First I am scared, frustrated and XXXX XXXX on the issues I am having today with Coinbase.

My account was compromised and {$7500.00} was taken from my bank account and transferred to Coinbase. I tried to get into my account and I couldn't because my old phone number not sure how but it was still on the website. I called up Coinbase and their customer service is non-existent and it is automated messages to say your account was compromised and no real customer service. Their emails are just automated messages to shut you up and " try '' to help.

I had to text my old number embarrassingly for the code. Once I got in, there was no money and everything seemed to be wiped clean. There was no transactions on the account and I couldn't do a thing. 

So, I filed a claim with XXXX and they sent my complaint out. After a few days I got a reversal of {$7500.00}. I thought great my money is back and it's solved. One day later, Coinbase emailed me and said I owed them {$7500.00} I'M AT THE BREAKING POINT, THERE IS NO ONE TO CALL ON COINBASE AND I'M JUST FRUSTRATED. I BEG OF YOU TO PLEASE HELP ME. 

I have all the documentation and I just want to talk to someone at coinbase. I just get endless lies of a " specialist '' coming to help.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I was flying to XXXX to arrange my mother funeral. And when I got to XXXX I was told that my luggage was miss placed at the reno airport. After waiting for a few days, I went down to the airport to get a update on my luggage because I had my phone, driver license, passport, wallet etc in my luggage and I needed to pay for the funeral but the airport told me that someone had stolen my luggage and a few other people luggage from the XXXX airport. I try to call the bank to report my card stolen but they couldnt help me because they couldnt verify me because I was calling from a different number from XXXX. And i couldnt go into the bank because there wasnt any Bank of America in the town I was located at. I was stuck in XXXX without being able to get back to the USA because I didnt have any proof of verification that I was XXXX XXXX. I had to wait until the USA border verify that it was really me. When I finally got back to XXXX in XX/XX/XXXX. I immediately try going into a Bank of America to get help with my account but they refused to help me because I didnt have my drivers license. So I went to the dmv the next morning and apply for a replacement and I was given a document showing it was actually me and i went into XXXX to order a new phone because they had stolen my phone. After receiving my phone I immediately called the bank and had them cancel the card. And filed a fraud claim with them but they denied my claim. And accused me of making the charges after I had submitted the proof of the police report and dmv document and the flight ticket and proof of the new phone. And I recall them and had them resubmit the fraud claim but they denied it again and I asked them why they were denying the claim and they said I was the one making the purchase but I told them I was in XXXX and I had a update from the police officer that they arrested the person that had stolen the luggage from the airport and I still havent received my money back from all the fraud transactions that person had done. After submitting the new update from the officer. Its been over 2 months since i filed the claim and I still havent received the money that was stolen from my account. Or a update from the bank.
Consumer complaint received 2021-03-05
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: DISCOVER BANK (CA)

I have two accounts on my credit reporting that are fraudulent ; 1. Discover Card : I have no knowledge of the account. 

2. XXXX XXXX XXXX XXXX : Card was stolen and reported to XXXX XXXX XXXX and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX XXXX Followed up again on XX/XX/XXXX with Fraud Dept.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2021-03-05
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: JPMORGAN CHASE & CO. (GA)

This is a continuation of CFPB Case : XXXX Chase has decided not to perform their fiduciary duty in resolving this case amacabbly. THey stated in our case that they would resolve without issuing my a 1099 for cancellation of debt on an illegitimate charge. Even though I have proof, in writing, from XXXX XXXX that they would issue a refund and chose not to, chase is ignoring all evidence and treating this like a debt cancellation, rather than a fraudulent card. WHen contacting Chase they are stating that it is not fraud, despite the airline never delivering the flight OR the refind, even though they stated they would in writing. 

Noty only is this not in alignment with the agreed upon resolution of the previous case, but it is by definition a violation of our credit card 's fraud protections. They are asking that I pay taxeso n this money TWICE, leaving me materially at a loss because they wish to be negligent and not take the proper care to follow through on the charge back.
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$75.00}
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2021-03-05
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: Tesla, Inc. (NJ)

XXXX  credit report is showing a 24-month installment loan ( lease ) from TESLA for an account opened on XX/XX/XXXX that I never applied for nor authorized. The amount of the loan totals {$34000.00} and the amount past due is {$4800.00} as of XX/XX/XXXX. The last payment made on this loan was XX/XX/XXXX but the first delinquency occurred on XX/XX/XXXX and the account is more than 180 days past due. 

This account does not belong to me and needs to be removed from my credit report as soon as possible. I believe this loan is a result of identity theft and I want to file a formal complaint. 



Contact information for TESLA is as followed : TESLA XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX
Consumer complaint received 2021-03-04
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: ERC (UT)

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed 8 times with EQUIFAX for the last 6 months that the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX listed on their credit report is not my formal address and they do not correct that, they have removed it once but by the next month it was listed again, because of that I received collection bill related to that address.
Consumer complaint received 2021-03-04
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. (TN)

Initial letter sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( XXXX, Equifax and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " Updated '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.
Consumer complaint received 2023-05-11
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: Credence Resource Management, LLC (CA)

I have been emailing this company about this fraudulent account and how I was XXXX  at the time the account was open and I sent in Federal Documents stating my XXXX. 
Account Name : Credence Resource Mana Account Number : XXXX Account Open XX/XX/2021 Account Amount {$490.00}
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (VA)

I already complained ( XXXX ) for my new vehicle loan from statefarm bank. But they are not correct my credit history yet. And ask me returned check copies to review But I paid I electronic bill pay at XXXX XXXX XXXX ( confirmation no. XXXX ) I attached it before, but I guess they haven't seen it ( below is last time complaints ) I bought a car and financed it XX/XX/XXXX. - statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. The customer service is terrible. I'm going to change the bank soon.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

These lenders have accessed your credit file : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. XXXX has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH XXXX REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY. 

XXXX may have acted alone or in concert with XXXX, the new servicer. 

XXXX 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of XXXX and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit scoreXXXX XXXX XXXX actions will materially and negatively affect my rates, costing me up to thousands of dollars. 

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. XXXX and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS. 

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. XXXX XXXX ( and XXXX XXXX ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I filed a complaint here at CFPB ( complaint ID XXXX ) about this and received a letter from the other party. My claim was about National Credit Adjusters appearing on my credit report for collecting on an alleged debt with XXXX XXXX. On the letter I received from National Credit Adjusters as a response to my first CFPB complaint, they noted that, " Our records indicate that NCA has been reporting accurately to teh credit bureaus on your XXXX  account. '' WHAT IS MY RISE ACCOUNT? MYCREDIT REPORT WITH XXXX SHOWS A COLLECTION ACCOUNT FOR XXXX XXXX UNDER NATIONAL CREDIT ADJUSTERS ' NAME. What NCA wrote on the letter does not answer the question I posted on my first CFPB claim. ALso, they did not provide me with proof I owed the original creditor anything ( e.g copy of contract, billing statement, etc ). AND NOW THEY MENTIONED " RISE '' WHICH I DO NOT RECOGNIZE.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (TX)

Caller contacted me around XXXX CST on Friday XX/XX/XXXX. Said he was from a collection agency. Had my name and location of clinic I went to in XX/XX/XXXX. I went there for an ER visit and filed with both the Department of Labor and Department of Veterans Affairs to cover the costs. But caller said I owe around {$2000.00} in medical bills. He said he would help me by reducing it to about {$1700.00} if I paid during the call. I told him I should not owe anything since I filed the ER visit as work-related, which covers me as a federal employee. And should also be covered by the VA since I am also a military veteran. The caller said I can call him back after verifying with the DOL/VA. He gave me the phone number XXXX to call back. The phone number is associated with United Collection Bureau, but also with numerous complaints of harassment and scams after searching on the Internet. And even if this was legitimate, why am I being contacted over 4 months after my ER visit?
Consumer complaint received 2021-03-05
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. (NC)

I have disputed charge with Experian, several times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms . XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.