davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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. (AL)

I have several disputes of a chapter XXXX on my credit file. I disputed and ask EQUIFAX to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. EQUIFAX is giving no proof of investigation!! XXXX is just reporting it was investigated with no proof of where the information is coming from.
Consumer complaint received 2021-03-03
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: JPMORGAN CHASE & CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (NV)

I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX  part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX  and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

After My {$23000.00} from my initial XXXX Currency transaction disappeared on XXXX XXXX and I called the support line at Coinbase which locked my account, I received a call from a supposed Coinbase support person. he was going to help me verify my ID and reconnect my Coinbase account. Most of Coinbase support is run online through XXXX and it is replete with scammers and terrible support response. After a couple weeks of trying to get my identification verified and the account reconnected it was finally reconnected and the support person was supposed to put {$33000.00} back in my account to reimburse my funds and account for the increase in value. I also agreed to put in another {$20000.00}. When the account was finally back up, the funds that initially disappeared were not there and all of the additional funds disappeared as well. Somebody sent the money out of my account in XXXX  currency transactions that I did not initiate. currency. Coinbase email support which I contacted on XX/XX/XXXX only contacted me back about my lost money on XXXX XXXX for the first time, but this was after all my assets were gone from my account and my balance was XXXX . Coinbase support is not only not responsive they are accusatory of customers. I have seen thousands of additional case like mine after delving into it. One case in late XX/XX/2021 where a customer from Florida had {$500000.00} stolen from his account. I believe this is being done by insiders or with the help of employees, because I like most other customers have XXXX on all my devices and email systems and could not be hacked that easily without inside access information. This company has been having this problem and complaints for years from customer and nothing is being done while it prepares to do a mega IPO and enrich executives by tens of billions of dollars. The operation MUST be shut down until this problem of stealing customer 's money from their trust accounts is resolved. Banks would not be allowed to operate with this problem, neither should Coinbase.

This is a Coinbase software and computer hack along with possible employee customer support Scam. This is happening all over the world and these companies/ exchanges should not be allowed to operate until they have a regulated form of customer support that deals with the multiple layers of fraud that is happening internally and externally that is wiping out customers accounts while executives profit.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Refinance my home. During the signing of the paperwork found they made a mistake in the amount of escrow, paying too much. Was told that it would be corrected. It has not and I can not get the company to properly correct it after working with them for about 8 mounts.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

My XXXX XXXX credit card was closed out and paid in full on XX/XX/XXXX. Around the end of XX/XX/XXXX I got a call saying I owed {$60.00} in interest to XXXX bank that accrued after I closed out the account. On XX/XX/XXXX I spoke to a supervisor and explained that my account was getting charged after it was already closed out and it was affecting my credit score. He said theres no way it could affect my credit score because the account is closed out but I do owe an interest. So I stated again that I had already closed my account out back in XXXX and paid in full, the supervisor agreed and said that he zeroed out my account and closed it out. About last week I was applying for a home and couldnt get applied for it because my XXXX XXXX credit card from Comenity bank kept having unresolved issues and now has XXXX dollars on it.
Consumer complaint received 2021-03-03
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. (CO)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (OR)

XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. 
@ XXXXXXXX XXXX  I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. 
@ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. 
@ XXXX i called my wife and she said the same thing no i dont have a account there. 
@ XXXX i called them back and said if you can show me the proof i would gladly pay it. 
I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. 
I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. 
this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

I have about 3 to 4 different names never been a California Resident in my Life theses names being used dont hold a Social Security Number the only one to my knowledge that matches my Social is XXXX XXXX XXXX this needs to be Resolved with theses Companies using incorrect information depleting my account they are doing this by Virtual Currency it all started with XXXX Bank but I changed banks to Prove my Identity showing its not me behind all the Foolishness thats taking place I also have a Child Support Case thats not even Registered in the State so how Im receiving Child Support I dont know but something definitely isnt right here
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

My complaint has already been submitted XXXX, very dissatisfied with their response .I feel they were fraudulent or incompetent! They had all documents and it was understood that insurance and taxes were to be included in my mortgage payment .I was lead to believe {$1500.00} would be my bottom line payment.Someone on there end messed up bad and am I to pay for their mistake .Clearly they knew I wanted escrow to include fire and home owners insurance along with taxes .They had in there possession on XXXX  XXXX 2021. Why was fire excluded? I only found out because Ca .Fair plan contacted me informing me my policy would be cancelled in days if they did not receive payment .I informed them to contact Loan Depot about this. I did ended up paying {$1700.00} at this time but will be stuck adding {$140.00} month for the duration of this 30 yr loan .This seems illegal to misrepresent loan this way .What is my next step .Is there another agency to report this to. Do I need a lawyer, trying to avoid that. 
Thanks, XXXX XXXX
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Contacted Rocket mortgage and got pre approval for a loan up to $ XXXX. Talked to XXXX XXXX XXXX XXXX XXXX XXXX Call or Text ( XXXX ) XXXX Email : XXXX XXXX : ( XXXX ) XXXX NMLS : XXXX, and was informed that because i was in active chapter XXXX bankruptcy that they could not approve me for a loan, even though i can get a letter from the trustee. I can get a FHA loan. But they refuse to help qith my loan.
Consumer complaint received 2021-03-04
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: Experian Information Solutions Inc. (NC)

This account XXXX has been closed since XXXX so why am I still getting late payment for the year XXXX and XXXX. The account has been closed. The company also credit my credit report every month with Experian.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliver Adjustment Co. (IL)

they sent a debt collection notice in 2015 and I sent them a request for validation all I got from them was a print out name and address and some lab work report that I don't even know for what was that plus that print out didn't even looked legit, I did a search on that turned out to be out of state service that I never received, contacted them for lab documents and blood test or anything that shows they belong to me never heard from them. they hurt my credit and I wasn't even able to get a home loan because of that. 
now 6 years later its still there so I decided to make some effort and pay the {$660.00} out of pocket for something that doesn't belong to me and sent them a letter for full payment in return to get that removed from my credit report yet never heard back from them.
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: Thaxton Investment Corporation (IL)

This company is reporting fraudulently amounts on my credit report. Heights Finance posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
Consumer complaint received 2021-03-03
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. (AL)

I SUBMITTED A DISPUTE TO ALL 3 CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR XXXX  STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I needed to use my credit and was appalled when I was denied when my credit score was lower than anticipated. I checked my XXXX  records and there was a collection from Portfolio Recovery Associates for {$340.00}. I have never received a call or letter, I do not even know what this is for. This has destroyed an opportunity for me and my family. How could this happen? How could a collection agency be allowed to collect like this? I have no idea what this debt is and it seems they are using applying to people 's credit as a way to collect on debt without notification. This agency needs to be investigated.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant 15 usc 1681 TransUnion is liable for reporting accurate information on my consumer report. TransUnion continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW XX/XX/XXXX XXXX, and Richardson v. Fleet, XX/XX/XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2021-03-03
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. (OR)

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Consumer complaint received 2021-08-07
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. (GA)

Experian did something illegal by removing And re adding a account called XXXX XXXX  XXXX. They was very rude when spoken with on the phone multiple times and acknowledged that they removed it but it was readded!! They re added that deleted account less then two days after removing and by doing that went against FCRA section 611! This dropped my score 21 point when they did this. Their negligence must be stopped! This account must be deleted ASAP.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information on my credit report
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

A company called I.C. Systems is on my credit report for the amount of {$2000.00}. The date of this account was opened XX/XX/2020. I have disputed this account on all 3 credit bureaus. XX/XX/XXXX & XX/XX/XXXX removed this fraudulent activity!! This is fraud! The information they have on me is stolen. I have no knowledge of this account and believe my ssn was stolen.
Consumer complaint received 2021-03-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Flandreau Santee Sioux Tribe (CA)

XXXX debt colkector on behalf of XXXX lending called 2 of my cousins and said if i didnt call them they were going to have the sherriffs come XXXX me and i was in serious trouble.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive been trying to get my credit report from Trans Union for 4 months although this has been a long-standing problem with them. On XXXX XXXX XXXX they say they are unable to deliver my report online because they cant verify my identity although I have correctly answered all the questions. When I request it by mail and send them all of the proper identification documentation I get a letter back saying I didnt send the right documents. Thats not true. When I request it by phone it never arrives. I created an account on their website and it says they are unable to deliver my report online. I have no problem getting my report online from XXXX XXXX XXXX at any time. They have denied me my report 90 % of the time for years. They intentionally make it impossible. Ive been dealing with this issue with Trans Union for 40 years. It needs to stop.
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to XXXX or XXXX XXXX XXXX Possibly Called XXXX XXXX As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an Ace Cash Express pay day loan. I had been paying on this loan and the place was just XXXX. Ace Cash express never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the stress I endured. They called from XXXX XXXX XXXX