davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XX/XX/XXXXDispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/NELNET XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XX/XX/XXXXDispute
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (AL)

XXXX   XXXX  , 2017,  {$310.00}. In my contract that I sign with  XXXX   XXXX   XXXX  money. There is a clause that said that I can call and get extension date. There was no limit on how many. Well today, I call and inform the person that I need an extension for  my  XX/XX/XXXX payment. She told that I can not have one and I would have to wait 6 month. I ask her where is that in my contract becaus e I have never been told that and I have ask for several and she was the  1st in 4 years that  said that. She could not show me that in my contract. So I told her that I have lived up to my end of the contract now she is refusing to live up to  Ford  agreement. I
Consumer complaint received 2020-06-15
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. (GA)

A request for investigation was submittedto Equifax via the dispute website on XX/XX/20 and on XX/XX/20, I received notification of a investigation completion. Equifax did not verify the information that was provided to them and within 72 hours closed the investigation and provided no verification of the debt that was obtained from the collection agency. The collection agency hasn't provided any verification information either and can't collect on this account. 
I notice that XXXX XXXX XXXX had placed a collection account on my credit reports and I requested a " cease & desist '' because this amount is not collectible. I have no contract with XXXX XXXX XXXX and I have requested them to refer this back to the original creditor. The original creditor had a rental guarantee insurance policy that would pay up to XXXX of rent and up to XXXX in damages in the event of damage, eviction or skipping out on the lease. The policy was paid upon move in and regardless of being paid again, was guaranteed by the insurance company. XXXX would file a claim for the funds and would be paid within 7 days. I signed up for this rental guarantee and they were to collect any rental arrears after closing the books on my unit. XXXX XXXX has no legal obligation to collect on a 100 % guaranteed rental insurance policy account.I am not obligated to pay on an account that should be settled with XXXX.
Consumer complaint received 2016-09-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2020-03-20
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. (TX)

014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... NCUA may determine a statutory violation exists, depending on the facts and ... 

ftc violations
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (NH)

Experian will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but XXXX and Experian won't remove.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

This complaint is in reference to ALLY FINANCIAL Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Consumer complaint received 2020-08-13
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: TRUIST FINANCIAL CORPORATION (MA)

I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have over {$70000.00} worth of BTC on my Coinbase wallet over 2weeks ago and I tried logged in and tried to send some BTC all for me to find out there was restriction on my account, I saw a notification on my email that I need to verify my email before I could trade again, I did verify with my UAE residency and it was confirmed and I was hoping that the restriction would be lifted but all to no avail, After a couple of days I couldnt login into my account again, Anytime I try login in all is see is my account has been temporarily disabled and I should contact support center which I have been doing with no reply apart from automated messages and its over 10 business days.
Consumer complaint received 2022-11-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (GA)

The company is Lendmark Financial. I took out a {$3000.00} loan with this company in XXXX or XXXX. Several months later, I lost my job and was unable to make my payments and the loan was eventually charged off and reported to collections. I took steps to enlist the help of a debt consolidation firm, and they negotiated a lower amount with this company. That was after an employee of Lendmark showed up at MY HOUSE demanding the loan be paid! Fast forward 7 years later, I start getting calls 7 to 10 times a day from a debt collection firm called XXXX. In addition to the frequent calls, which are harassing enough, they are now calling personal contacts. I have heard from immediate familymy parents, my daughter, my ex-husband and my former sister-in-law that they have all received phone calls from this company asking for personal information like my phone number, address, etc. Last week I answered one of these calls and this is the information from that call : Name of Debt Collector - XXXX XXXX XXXX XXXX calling for Lendmark Financial XXXX - XXXX ( just one of several numbers they use in addition to Unknown Caller Name of Caller - XXXX XXXX I am told that I owe {$3800.00}, ( {$3000.00} for the original loan amount and {$820.00} in late fees ). I want these calls to me and my family to cease and desist immediately. I have not received any validation letter that explains this debt and have never used my family members as references, nor given permission for them to be contacted in any way!
Consumer complaint received 2020-08-13
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: Ability Recovery Services, LLC (MI)

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I have applied for a home equity loan with XXXXXXXX XXXX They indicate they were unable to access a credit score from Equifax because they found my account to be frozen. The website states it is not frozen, however the creditor can not obtain a score. I too can not access my own score in the online account. I receive an error message. The error message requires me to call them which I have done numerous times. Equifax required me to fax them proof of identity which I have done 2 weeks ago. They have neither acknowledged receipt nor updated my online account. For 3 years I have been stuck in an infinite loop with Equifax and no resolution.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I filed a dispute in early XX/XX/2020 regarding XXXX  and how it is reporting on my credit profile. I was a victim of identity theft! I enforced experian of this. It violates the Hippa law!  And I want it removed.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I previously filed Capital One CID : XXXX Complaint ID : XXXX and Capital One CID : XXXX Complaint ID : XXXX but have received insufficient information to determine whether I continue to be a victim of identity theft due to an account opened at Capital One 360.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (MD)

I checked my credit score which dropped XXXX points because if this company that said they close and credit my account in my last complaint. Now my credit have dropped XXXX points because this company saying I owe them XXXX for the merchandise I already paid XXXX for.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

they are claiming we owe rent when we paid all rent before moving out. also they are misrepresenting the amount of deposit. they charged us XXXX XXXX rent deposit.
Consumer complaint received 2020-06-15
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 (CA)

We received a large refund from a cruise we paid for through our American Express Credit Card. The refund was sent to American Express which created a credit balance in our favor. American Express has refused to send us the refund. AMEX has had a credit balance on our account for over three weeks. We asked for the credit balance to be refunded to us through either a check or wire transfer. Their fist excuse for not sending us our refund was it's against the law to wire our credit balance to our bank. Then they said they would wire the funds. We never received the funds. We called AMEX again and they said the wire would take 7-10 business days. We called on the 7th business day and they told us the funds have been delayed because of COVID.
Consumer complaint received 2023-02-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (FL)

I took out the loan in XXXX with GMAC, for {$25000.00} and paid {$200.00} for 15 years, the amount of time on the loan. Last Paymet due XX/XX/XXXX. Never missing a payment, even through Covid. The interest was 9 %. I did not realize the loan had ended, and kept paying through XXXX. Now the Company that GMAC sold the loan to is demanding {$11000.00} plus dollars Now, calling the loan. If anything I believe that they owe me money, yet are threatening me with forclosure. I have all of my paper work, yet ALLY will not even give me the time of day, This is a second mortgage loan. # XXXX I really believe that I am being cheated. I did pay this loan off according to the contract,
Consumer complaint received 2020-08-13
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida  DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX   Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Continental Finance Company, LLC (AR)

TODAY I APPLIED FOR XXXX XXXX CONTINENTAL FINANCE AND XXXX XXXX  XXXX PULLED XXXX IN AN EFFORTS TO JUSTIFY HIGHER RATE WITH NOTIFYIM=NG CONSUMER.REF XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I had a fraudulent charge of {$1600.00} on XX/XX/XXXX with my Chase Credit Card. I disputed the charge for not providing the service on XX/XX/XXXX and got notified of my denied claim on XXXX. I called on XXXX to get reasoning behind the denial and was told they can't protect against in person fraud. What happened : The scam is a garage door scam. I paid for a licensed contractor service to repair my garage door. My garage door repair was for re-wring cables. The company I hired has no license and instead sold me springs and drums from a out of business manufacturer ( despite the springs being listed as XXXX version ) at a price XXXX market prices- essentially selling me a different service than what I paid for and a fake/ fraudulent service. When I pushed back on the service, the repair person said he would not leave until he was paid. At which point, I did not feel comfortable with my personal safety so I paid and let him leave. I immediately opened a dispute with my credit card to report the scam. They said despite it being fraud, there is nothing that can be done. It was in person and not online, so they are not allowed to do anything. Further, because I paid, despite the context under which I paid, they can not do anything. I asked, so if someone sells you a bag of fake diamonds or a bag that is empty under the pre-tense there are diamonds, is this not fraud? She said it is not fraud under how they are defining it. I provided 16 pages of support of the fraud but the credit card company refuses to give back the money and hold the merchant accountable for fraud, despite credit card companies supposedly having protections against fraud.
Consumer complaint received 2023-07-25
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. (CA)

I was checking my credit report on XXXX XXXX on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.