davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

The following accounts from XXXX inquirydate XX/XX/2019, XXXX  XXXX inquiry date XX/XX/2019, CITIZENS BANK inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NJ)

Hello my name is XXXX XXXX XXXX Im having credit problems right now but when I ask for a free annual credir report, I found out that is a PNC credit card under my social security I assume, opened at the year XX/XX/XXXX, I say assume because I arrived a this country in XX/XX/XXXX, also I never had a PNC bank account.
Consumer complaint received 2019-12-20
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. (CA)

On XX/XX/2019, I received notification that a fraudulent inquiry was placed on my Equifax report. Someone fraudulently attempted to open a XXXX XXXX  account ( credit, I assume ) in my name. I did not authorize the inquiry. I have called XXXX and asked them to remove the fraudulent inquiry. I also disputed the fraudulent inquiry with Equifax. They quickly returned a response that said that the information was verified as accurate. Obviously they did not attempt to really investigate it as there is no way they could have conducted a thorough investigation in less than a day. Also, they probably just reached out to XXXX who just verified that yes, someone used that Social Security number to open the account. That isn't the point. The point is that I am telling them that it was done fraudulently - without my authorization - and therefore they MUST remove the fraudulent information.
Consumer complaint received 2019-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I opened a Coinbase account with my wife back last year. I was living in XXXX XXXX at the time. I am a US citizen and have since moved back. 

I got a new phone and can not log into my Coinbase account. When I asked my wife to do the verification process by uploading her documents it doesnt work. 

I have tried on every available platform to contact customer service and keep getting the same canned answers. They say they will answer phone calls and its a bs system that doesnt answer anything. They have XXXX usd of my money.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-12-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bass & Associates, P.C., Attorneys at Law (NC)

On or about XX/XX/XXXX my identity was illegally used to apply for a Federal Student Aid Loan. I did not sign for or apply for any loan with XXXX Universities or any Federal Student Officer. XXXX Universities created and process a XXXX Student Aid Loan fraudulently using my identity without ever having me sign a single document. Once they  received the loan from the Federal Government through the Department of Education, I was never told about it. Once I learned of this after a year later, I tried to resolve this identity theft loan issue with the College, however they knew they had been caught, so they blocked all access to this matter of course. The debt was disputed and once removed from my credit file, only to be replaced back on my credit file serveral years later through the Department of Education and and company called Bass and Associates. This loan is a " Well Known '' identity theft case, involving www.pin.ed.gov. a former Website that was identified as the conduit that identity thieves could very easily exploit. The Department of Education took action against this after receiving my certified letter to the Department of Education OIG on XX/XX/XXXX. On XX/XX/XXXX this website was shut down and a new process put in place called the FSA ID. Since I discovered this conduit, it's been a consistent battle to get this undisputed illegal debt obtained under false pretenses by XXXX Univesity with the US Department of Education fully removed from my Credit File. They are deliberately trying to maliciously attack my Credit Rating by placing this back against my Credit File and it is still affecting my credit to this day nearly 10 years later. This needs to be addressed and actions taken against those involved in this injustice. It is in direct violation of the FCRA and is a total fraud that was fabricated through a well known conduit for identity theft to occur through www.pin.ed.gov.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

Reference is made to a letter dated XX/XX/2019 from LVNV Funding AKA ReSurgent Capital Services to you. According to the last paragraph of the letter upon receipt of full payment of the accounts the status of the accounts will be changed to Settled in Full and a request to update the account will be submitted all Credit Bureaus indicating this Account is Paid in Full for Less than the Full Balance. 

In addition, pursuant to your letter to the Consumer Financial Protection Bureau you agreed to remove these accounts from Collection Status upon satisfaction of the agreed settlement agreements. These accounts have been settled and you or your third-party agents have received payments in full. I can provide necessary documents if required. LVNV has yet to respond to my fax/letter attached below.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (MA)

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, XXXX, and Equifax reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, Equifax, or XXXX they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Consumer complaint received 2019-12-28
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. (NC)

I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2019-12-24
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (SD)

Convergent outsourcing was paid on a pay for deletion basis on a former XXXX   account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?
Consumer complaint received 2019-12-28
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. (NC)

I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (CA)

Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number XXXX Opened- XX/XX/XXXX Upstart Network INC/XXXX Account number XXXX Opened-May XXXX, XXXX XXXX XXXX Account number-XXXX  Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions.

15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years.

15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Consumer complaint received 2018-03-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My daughter 's students loans began in XX/XX/XXXX and the full amount that was borrowed was {$44000.00} by XX/XX/XXXX. Her repayments began in XX/XX/XXXX, and the interest had been added to the accounts up to this point. 

She has been making payments, which are spread across all of the small loan amounts separately, and her total payments so have been {$18000.00}. Despite this amount of payments that have been made, her balance on all loans is {$43000.00}. Which means that less than {$1000.00} of more than $ XXXX has been applied to the principal of these loans. 

Now, as a parent, I realize that part of the responsibility of the loan agreements and terms is our responsibility. She has a teaching job where she is being paid $ XXXX a year, and she is waiting tables in a restaurant to try to make ends meet. I have recently finished my degree, and I am now looking into helping her pay off her student loans. Despite the blame that may be debatable in terms of taking out the loans to get her through college, I find that the practices of NAVIENT and the banks that support these loan practice to be criminal. Yes, we need to do a better job helping our your adults understand the terms of debt, but I would also add that the student loan practices in our country are only in the interest of big banks and NOT in the interest of helping kids through college. I am so angry and I am looking at joining and giving power to any class action lawsuits that will help to rectify this for our college graduates. 
With regret and anger, XXXX XXXX
Consumer complaint received 2023-01-16
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. (AZ)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2019-12-28
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: Rocket Mortgage, LLC (FL)

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I was contacted by Quicken Loans, who is the Servicer for a mortgage I have with with Quicken Loans. XXXX said she would like to review my account and see if there are any refinance offers available. I needed to run to a meeting, so she said she would look into things on her end and asked me if she could " pull up a copy of my credit report ''. It sounded like she was reviewing my account and looking at a copy of a credit report they already have on file. 

I then received a notice from my credit monitoring service that all three credit bureaus had receive a hard credit inquiry. I notified Quicken Loans that I did not authorize the credit inquiry and they refuse to remove it. 

My phone number is also on the do not call list, so this was an unwanted solicitation that I was led to believe was a discussion about my account. 

Finally, I was contacted by XXXX XXXX several days later saying to let him know if I want to consolidate " all that cc debt '' Thank you
Consumer complaint received 2019-12-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

Emailed a dispute see below. 

Dear SPS, It was brought to my attention by your Customer Service rep that you have another account under my name. After further investigation your Customer Service rep advised me to submit a Dispute letter. It appears that either a mistake by your company or fraud, identity theft, into your system has occurred. 

I was told that account # XXXX property location is in Florida. I have never live or owned anything in the state of Florida. 

Account # XXXX is not my account and I'am requesting removal of said account immediately. I will also be submitting a complaint to theConsumer Financial Protection Bureau. Please notify me once the action has been completed. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (CA)

Hello I have been disputing these accounts with this company for over 2 years now and they refuse to remove the accounts that I already verified where not me. I submitted a Identity affidavit when I got my Purse stolen and cards where opened in my name. I have address that have ton date not been updated. this has caused so much hardship on me and my family. this is my 6 or 7th letter disputing the same accounts over and over again. I am now seeking a lawyer for the damages this has all caused me, Its unfair, you guys re not following the law. I have yet to receive 1 single contact barring my signature for any of the accounts that you refuse to remove. I have kept a close record of all the certified mail I have sent and I plan on escalating the situation within the next 30 days if you do not correct this issue immediately
Consumer complaint received 2020-06-09
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: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I filed a dispute with Barclays card services ( XXXX ) protesting the refusal of XXXX XXXX to grant me a refund for the flight that had been cancelled because XXXX XXXX closed its borders because of Covid-19. 

Also on XX/XX/XXXX the very day I filed my protest, The US Department of Transportation ordered all airlines to offer a refund of Covid-19-cancelled flights. I sent Barclays the link for the order on XX/XX/2020. 

Barclays granted provisional credit for one ticket only. I advised them on XX/XX/XXXX that there were 2 tickets @ {$430.00} XXXX each for a total of XXXX. They did nothing to revise the amount of the dispute. 

In a letter dated XX/XX/2020 Barclays removed the provisional credit and reinstated the charge for the one ticket. They told me that because the contract terms between the consumer and the airline provides only for a credit that, the merchant bank did not have to honor the refund. I told their representative XXXX, by phone today that this ignores the order issued by the DOT. She said that they don't consider anything but the contract. I believe the DOT order supersedes the language of the contract. To date they've done nothing about it.
Consumer complaint received 2020-06-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Reported back in XXXX / XX/XX/XXXX and this matter is still unresolved. I was approved for a Loan modification with payments starting in XXXX XXXX/ XXXX XXXX XX/XX/XXXX. The modification I was approved for was 3 months @ {$1600.00}, which XXXX XXXX PHH never honored. My first payment was cashed for the XXXX of XX/XX/XXXX with excess taked from suspense to make a mortgage payment of over $ 2K which was not what I was approved for. As I am reviewing the XXXX statement the check for XXXX 's payment was cashed and placed in suspense.???? Why, beats me PHH can't apply payments correctly to what I was approved for. My XXXX 's payment was shredded and never cashed. I am filing a complaint with the DFS in New York State and the XXXX XXXX XXXX  of New Jersey and New York. THE XXXX  PHH MORTGAGE SERVICES OR XXXX XXXX  NEEDS TO BE BASHED FOR THE MISTAKES THEY MADE FOR THE SECOND TIME.
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am lodging a formal complaint against portfolio recovery. This debt collector has been reporting derogatory Information on my three credit reports for debts owed to XXXX XXXX. I have sent this company numerous letters for debt validation, not debt verification. And I have yet to receive anything. No contract with my signature etc .... In addition I have never received a dunning notice from this company portfolio just reported on my reports without giving me 30 days to dispute validity, which is a violation of the fdcpa/fcra. I am in the process of purchasing my very first home for my family and I. And these errounous accounts are holding my family and I back. XXXX, and attorney general complaints will be submitted if these accounts aren't deleted immediately. Thank you for your time!