davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (GA)

i contacted the credit bureaus, and started disputes online buy XXXX  wouldn't allow me to dispute, this account has just poped up on my credit files, i have been a previous victim of id theft, i have several monitoring services, and the only alert i got was when this account appeard, there isn't a inquiry either. this is strange, i have vary good credit and am displeased about it, and equifax tried to up sale me on fraud protection service. i want this account deleted immediatly before it sully my credit worithiness that has taken me a long long time to build!! equifax, XXXX  and XXXX would not allow me to upload anything and when i called XXXX  i was left on hold for serveral long minutes til i finally just hung up after i went through to operators.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I have used Coinbase as a Cryptocurrency exchange for a number of years and have had no issues until now. They require XXXX authentication which I've had setup since I created the account and recently they have required me to go through the process multiple times. When you exchange your money from the bank there is a standard holding fee of 5-7 business days which is expected. My funds should have been cleared by today XX/XX/2023 and now the company is stating that not only my funds will be held until XX/XX/2023 I am also unable to send or withdraw these funds for the period of time and refuse to tell me why other then the fact that it's their policy. it's obsurd that a company can hold my funds hostage and dictate I what I can and can't do with them. I have filed a complaint with the company in which I can expect to hear back from in 5-7 business days.
Consumer complaint received 2023-07-03
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: Ideal Collection Services, Inc. (MI)

A collection on my credit is showing up as Ideal Collection Services, I have never done any business with Ideal Collection Services and I have sent multiple letters asking them to verify the debt belongs to me, to which they have refused to respond in a reasonable time frame. I sent the first letter out on XX/XX/2023 and the second letter out on XX/XX/2023, finally I sent the XXXX letter on XX/XX/2023. The company has failed to respond to all XXXX letters. I have the right to demand a signed copy of the contract between myself and Ideal Collection Services.
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent a letter to Experian well over 30 days ago about the inaccurate information being reported by them and have not heard back from them what so ever. It seems I have been ignored completely.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I pay my balance in full every time I make a purchase using the banana republic synchrony Visa card. I had been issued a new card and the card number had changed months ago but I did not realize it would require a new entry in my online banking bill pay. I paid the balance as I always did and since I never received a paper bill or an electronic bill I assumed everything was fine. 

Weeks later, I start receiving delinquency notices via email. I called Synchrony to see what was wrong and they told me the balance was applied to the wrong card ; a card that had expired over a year ago. They assured me the payment would be reflected on my current balance and to be patient as it may take up to 10 business days. What went on after that was very frustrating. I make calls each week to follow up on the status with the representatives telling me it would be taken care of this time. I finally got so frustrated after about 2 months of dealing with them that I paid the bill again over the phone just to make the emails and phone calls stop. I still have not received any update about the payment made to the older card even though it was paid twice. 

I have since closed my account and will not do business with synchrony again.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Tuesday, XX/XX/2023, I called Bank of America to inquire about a financial hardship for my car loan ( {$680.00} ) for the month of XXXX. The account is up-to-date with payments, which means I make my monthly payments on time. I sometimes pay more than what's required. I was denied a financial hardship or payment deferment. On Wednesday, XX/XX/2023, I called Bank of America to find out the reason for the denial. I was told that " a system '' generates the approval or denial. It appeared that Bank of America 's representative could not affirmatively give me a legitimate reason why I was denied a payment deferment. I am never late on my car payment and I have had the loan for over a year.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

This is in addition to complaint XXXX. The company still won't respond to my emails and now they have raised my payment to {$1800.00} per month, even though sent a document that state that our payment would be {$820.00}.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

I attended a timeshare presentation several years ago but did not make any purchase or commitment. 
Meridian Financial is now trying to collect from me for XXXX XXXX, but I never made a purchase, or signed a contract, or paid them any initial payment. 
I demanded that Meridian send me some sort of proof that I signed an agreement but they ignored my demand. 
Meridian has placed this fraudulent collection on my credit report at all 3 credit bureaus, which is damaging my credit score and causing me financial damages by inhibiting my ability to obtain credit.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (FL)

Today, XXXX  XXXXXXXX  Day, I contacted Navy Federal Credit Union to discuss my credit card rewards and a new application. The person who picked up had no idea how the rewards work and he was part of the Credit Card team. Repeatedly he gave me the wrong guidance on the program and mis-directed me on the web site. 

I then asked him about application XXXX which denied me an additional card. He said it was because I only make {$10000.00} a year. I told him I make much more than that and he said well that's what I put in the application. I explained that every time I apply for a mortgage, auto loan or some product NFCU just screws it up and never grants it. 

They have my true salary and also get direct deposits from my employer 2 times a month. They have all my information and my FICO score is XXXX. 

So this XXXX  tells me that I put that value on the web site and I had to tell him 5 times that i did not. He said well we dont have access. I corrected him and said of course you have access to the application, the database and all components. i requested an audit and to speak with the Fraud Department. He refused to transfer me to either group. 

Meanwhile it impacts my credit by NFCU always running my credit score and then not providing a product.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I was falsely accused of harassment by XXXX XXXX a neighbor of mine. Then she bought my situation into wells fargo slandering me to everyone. She is the one harassing me by turning it around on me & wells fargo believes her. Wells fargo says they don't handle domestic disputes. Well, they listen to her lying mouth and close my new account. This was the whole point to have XXXX XXXX  send me a hostile threatening letter. I will always claim I never harassed XXXX or XXXX XXXX. She purposely brought herself to the XXXX XXXX location to falsely accuse me to the police. Well, the police didn't do anything to me either. Because they saw I was talking to a banker about my new account. They can testify that I wasn't harassing XXXX XXXX. She was in the back with the other female employees laughing at me. She tried to set me up but failed. She was coming around me all the time. The harassment charges were dropped against me when I hired a lawyer. But she had them other XXXX XXXXXXXX XXXX me so she could be in there. I had no idea that she was in the bank. Wells fargo still chooses not to believe my side of the story. They said it themselves why my new account was closed right after it was opened. 

Then to further torment me and my son. They use her for the XXXX XXXX XXXX  helping widows of the fallen military! She is such a victim of me they made her district manager director of the XXXX XXXX XXXXXXXX. Then putting her on t.v. and their website to outrage me and my son. I will always be angry for how I was treated unjustly by wells fargo. Never listening to my side of the story, and always believing XXXX XXXX word over mine. 

XXXX XXXX didn't like it cause I reported their drunken party friends parking all over my yard in front of my house and throwing the trash. XXXX and XXXX never had any respect for their neighbors yards especially me! Then one of their friends did a hostile gesture backing all the way into my yard and skidded out of it leaving deep skid marks in front of my house and grass. This is what started all the problems with XXXX and XXXX XXXX. Then she wanted me to be charged with harassment with the police knowing good and well she was harassing me. 

Then XXXX XXXX brought the situation into wells fargo & slandered me to them and caused me to lose my checking account. Because she doesn't think I should have anything. Well, she doesn't have the right to dictate to me what I can or can not have! I had someone fix the fiscal board on the front of my house. I can see the evil coming out of them! 

Then they thought they would befriend the police against me. To ruin my life to where I can't get a job or to be able to have anything. It's not up to the XXXX what I can or can't help. XXXX XXXX didn't even want me to have a checking account.
Consumer complaint received 2020-11-11
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: ALLY FINANCIAL INC. (MS)

XXXX, XXXX  and XXXX is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX and XXXX is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (TX)

A company by the name of MRS BPO showed up on my credit report to collect on a debt that was provided to them from XXXX XXXX XXXX XXXX - this debt is not mine and I have had multiple conversations with XXXX  on this matter. 

When relaying this information to MRS BPO they stated they didn't care what I had provided to XXXX  of proof of address and/or that this was not my account and that this was my debt no matter what - they would ensure this would stay on my credit and ruin my chance to do business with other utility service providers until I paid this debt. 

I want this removed - I want this company flagged - I want this debt to be cleared from my social security number at once.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX
Consumer complaint received 2023-07-04
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. (PA)

these amounts are not correct and not due to Domestic Relations Section. 
See attached as circled in the file. 
Please remove from the credit report ASAP. 
I do not owe this amount at all!! 
Thank you, XXXX XXXX
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2023-05-11
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-14
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. (NV)

Im resubmitting 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 Pe

r FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.