davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and Experian directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with Equifax, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Consumer complaint received 2019-09-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (CO)

I received the email below, but I have never spoken with anyone. I unfortunately defaulted on the loan due to unforeseen circumstances, but have every intention of paying it back eventually. 

CREDITOR : Speedy Cash Group CASE NO : # XXXX AMOUNT OUTSTANDING : {$750.00} This Proceeding issued on you Docket No : - # XXXX with one of SPEEDY CASH LOAN. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XX/XX/2019 but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

In order to resolve this case outside of court you will have to submit payment of {$750.00} today. 

WHAT IF YOU WILL IGNORE We will simply filed the case against you for the three serious allegations, ( i ) Violation Of Federal Banking Regulation.

( ii ) Collateral Check Fraud.

( iii ) Theft By Deception & Money Laundering. 

You will be sue into the court house, where you have to pay {$4500.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, Settlement Department, speedy cash loan XXXX, TX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (PA)

XXXX XXXX XXXX is reporting an auto installment account ( opened XX/XX/XXXX ) that was charged off. First date of delinquency on this account was XX/XX/XXXX and should be removed by now. Balance is XXXX. Spoke with a rep that verified this information but said the account can not be removed.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (FL)

The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have 4 late payments from XXXX and XXXX I would like these to be removed from my report. I feel this is an error In accordance with the Fair Credit act, violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt. The company has only provided date of service on XX/XX/XXXX with an outstanding bill of {$1200.00}. This is not adequate proof that I owe this bill. However, I have proof of a XXXX outstanding balance related to the service date of XX/XX/XXXX. Therefore I do not owe. 

I have attached the documentation. 

I wish to have this removed from XXXX, XXXX, and XXXX credit reports immediately and for ARS to stop contacting me. 

Thank you.
Consumer complaint received 2021-09-29
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. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COLLECTION SERVICES OF ATHENS, INC. (FL)

Please read this message carefully. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, Collections Of Athens in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. 

XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2023-01-19
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: LEXISNEXIS (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I called in to Wakefield and Associates and settled a medical debt on XXXX, payment was taken out of my account on XX/XX/12. I called in again on XX/XX/XXXX, to see why it is still actively impacting my credit shown on XXXX XXXX, the representative XXXX advised that it was noted that I called and settled but not that payment was received when it in fact was.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my 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
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (FL)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-09-29
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. (CA)

EQUIFAX continues to violate my federally protected consumer rights. I am a consumer and natural person. I never consented with EQUIFAX to have or share my personal information. I demand that EQUIFAX immediately delete accounts XXXX XXXX/ XXXX and both DEPT OF ED / XXXX
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021 I used my BlueBird by American Express to transfer funds from my Checking Account ( XXXX ) to my BlueBird card. I have a {$500.00} limit on my XXXX card for withdraws and needed to withdraw {$750.00} to fix my vehicle. After speaking with XXXX I was able to withdraw the full amount needed and instead moved about {$30.00} into my Bluebird card for my significant other to use. After checking my Bluebird account via their online app I saw the funds were there and available. Today XX/XX/2021 I tried logging into my Bluebird account again and I was locked out. I called their customer service number ( which has no way to get in contact with a customer service representative ) and found out via a recording that my card had been suspended. I checked my email and was sent a generic letter saying that my account was suspended indefinitely for activity that went against " section 22 ( d ) in my membership agreement ''. After looking up the section 22d I am still confused and not able to get ahold of any customer service representative regardless of the several numbers listed on their website. No where in the membership agreement or section 22d does it state what will happen to funds left in the account upon closure. I have had many many issues with the BlueBird by American Express in the past ( My account was hacked into, I was locked out, the App never works and always says the system is down, among many other issues ) I kept this card as a backup to move funds into periodically for use by my significant other and am not upset my account was suspended as this company is troublesome all together, and I would never recommend anyone to get a BlueBird by American Express card. However I would like to be able to speak with a Customer service representative when issue occur but it seems as though this company does not want its customers to get ahold of them.
Consumer complaint received 2019-09-05
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: ENCORE CAPITAL GROUP INC. (TN)

I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

On XX/XX/21 my Coinbase.com account was compromised. The hacker logged in to my Coinbase account and sent XXXX XXXX and XXXX XXXX to their own wallet. The cash value was {$210000.00} USD. 

The Coinbase.com daily 'send ' limit on my account was {$1000.00}. Sending more than {$1000.00} in crypto should not have been possible. There were no emails, calls, or text messages from Coinbase asking for my approval.

Coinbase has accepted zero responsibility for their role in this fraudulent use of my account and has offered zero help in the recovery of the stolen funds.