davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

My name is XXXX XXXX and I have an account with Coinbase that I opened in XXXX. This account is under the email : XXXX. However, beginning the year of XXXX, I have been unable to sign in to my account because when I try to sign in, I get a message that reads " error : No Coinbase account exists for this email. '' But I am using the same email I have always used for my account and yet it won't let me sign in. I have money in that account that I am, currently, unable to access because I can not sign in. I have reached out to Coinbase via various avenues such as email, cell phone, the Coinbase website, but have not received any response
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

Back around XXXX I refinance my mortgage. Besides looking for a lower rate, i wanted to get away from my current lender Lakeview. I feel they are shady. My first payment due with XXXX XXXX  was XXXX. I made my first payment of {$3000.00} on or around XX/XX/XXXX. This payment would be for XXXX A week or two later i was notified that my loan with XXXX XXXX was taken over by Lakeview , I received a statement from Lakeview , made a {$3000.00} payment in XXXX around the last week of XXXX, which that would be for XXXX. I noticed the statement did not show my first payment made. I reached out to XXXX XXXX, they informed me once the loan transfer was completed Lakeview would up date their records. On XX/XX/XXXX around XXXX XXXX, i believe her name was XXXX , from Lake view said she did not see the first payment made in XXXX with XXXX XXXX and was notifying another department and i was to call back around the XXXX of XXXX. I asked her ; if they would notify me directly and she said she was not sure, i should reach back out. Really, so unprofessional. XX/XX/XXXX, XXXX, I believe the persons name was XXXX was not helpful at all. She said my next payment was due for XXXX, did not see a documentation of my pervious call etc.. Last week of XXXX, i made another payment of {$3000.00} and to date my statements are incorrect. 1 ) i should be a month ahead, 2 ) should reflect 4 payment received 3 ) i told them twice, i am unable to log in to the site to see my account. I was told my tech dept i needed to wait for an email approval. Guess what, its be two months no email. 
Last week i received a statement my acct is short- {$18.00}, there fore my payments are going up. not even the option to pay the difference to keep my present payment. If someone pays the difference, their payments should not increase. This is a constant issue i have with LakeView in the past. 

I want to know where my first payment is. This loan company is so shady someone really needs to look in to this deeply. From their Customer Service to their Tech Dept. no one knows what they are doing. 

I do not have a scanner at the moment but if you require copies of my statements, please let me know and i will provide
Consumer complaint received 2021-10-10
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. (IN)

XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Consumer complaint received 2021-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (IL)

MY HOME WAS BROKEN INTO IN 2018, I SPOKE TO THE LEASING AGENCY AND WAS ALLOWED TO BREAK MY LEASE, HOWEVER, I HAVE NOTICED THIS ITEM ON MY CREDIT REPORT WHEN I WAS TOLD IT WOULD BE REMOVED
Consumer complaint received 2021-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX 9. XXXX XXXX on XX/XX/XXXX 10. XXXX XXXX on XX/XX/XXXX 11. XXXX XXXX on XX/XX/XXXX 12. XXXX XXXX on XX/XX/XXXX 13. XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX 15. XXXX XXXX on XX/XX/XXXX 16. XXXX on XX/XX/XXXX 17. XXXX XXXX on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/2021 I received the message from the First National Bank to call the fraud alert department. First of all, I do not have the telephone not do I have a bank account with the bank. I would like to hire is it that illegal transaction can be made and I get a message to call the back fraud department. When I called the XXXX number and spoke to the customer service representative by the name of XXXX she gave me the card number ending in XXXX and was told that it was not in my name. I would like to know the name of the person that did this transaction I would like for charges to be brought against the person that used my number to claim I'm defrauding tax payers of their money. I need to send a message not to defame or slander someone's reputation for their own monetary gains. Let me pick up pennies from the street and call me a bum instead... One of those pennies will bring me my gainful reward not as this person that used my telephone wants to do for herself ... What ever she is hiding we all need to know. We need accountability.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX report. Midland Funding, XXXX acct. start with XXXXxxxx. In, are payment on XX/XX/19 of {$290.00} in XXXX reports in payment status it still says unknown. Im trying very hard to fix my credit. Please can this acct be removed completely
Consumer complaint received 2019-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-10
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: ENCORE CAPITAL GROUP INC. (KY)

They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.
Consumer complaint received 2021-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

To whom it may concern, I became aware of a collections amount of {$520.00} from XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. The debt was for an electricity service used at address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never lived or worked at this address. I also did not authorized my information to be used here. 

To dispute this debt, I first contacted the collection agency Convergent and made them aware this was due to identity theft. I was advised by Convergent to contact XXXX XXXX directly to resolve this issue. 

I called XXXX XXXX XX/XX/XXXX and was told by a representative that I needed to provide a police report and proof of residence during the time of when the service was used, which was between XX/XX/XXXX - XX/XX/XXXX. 

I filed a police report and compiled statements of rent and utility payments from my correct residence. I have lived at this address since XX/XX/XXXX. 

I was advised to email my police report number XXXX and rent and utility statements to XXXX with subject header " XXXX ''. This email was sent on XX/XX/XXXX at XXXX XXXX  XXXX. 

I did not receive response from my email, so i called to follow up several times and could not get ahold of a representative due to " high call volume ''. ( call log can be provided upon request ) I disputed the debt with XXXX on XX/XX/XXXX. An update was made on my XXXX account stating " the information you disputed have been verified as accurate ; however, information unrelated to your dispute has been updated. '' XXXX never contacted me for documents or more information to send XXXX XXXX to back up my dispute. 

When I checked the dispute regarding " information unrelated to your dispute has been updated '', I saw XXXX XXXX had marked the {$520.00} debt as " Account charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. '' Also the months that were charged off had been changed to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time I was using electricity services from XXXX XXXX XXXX. I do not understand why these charge off dates are different from the original debt between XXXX  XXXX-XXXX  XXXX  and would like this investigated as well. 

This has caused a great hardship in obtaining loans and housing for rental properties. I would like this dispute to be resolved as soon as possible so I can obtain housing for me and my family. 

Regards,
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA (MD)

Apple credit card services through Goldman Sachs keeps denying my credit card application because they say they cant verify my identity. Ive reached out to all credit bureaus to ensure my information was correct, but they keep saying they cant verify me and keep denying me.
Consumer complaint received 2021-10-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( Experian and XXXX ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Consumer complaint received 2021-10-10
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: LEXISNEXIS (VA)

I requested a copy of my LexisNexis consumer credit report and when I received it, I notified Lexis Nexis of a bankruptcy that was on my credit report that I did not recognize. LexisNexis sent me a letter stating that they had done an investigation and it was verified and being reported accurately. PLEASE SEE THE ATTACHMENT. So, I contacted my local courthouse and questioned them why there was a bankruptcy being reported to Lexis Nexis that I had never filed. They responded and sent me a letter stating that they never sent anything to LexisNexis. PLEASE SEE THE ATTACHMENT. I sent LexisNexis the letter that the courthouse sent me and asked them to provide me the detailed of their investigation, but they never responded. On XX/XX/2021, I sent my 2nd request to LexisNexis via certified mail via USPS XXXX XXXX XXXX XXXX XXXX asking them where they get this information to verify it? And with whom they speak with? and as of today they still have not responded. It has been more that 90 days and still the bankruptcy is still being reported. It's crazy that LexisNexis would stoop so slow and violate peoples consumer rights. In this matter, according to 15 USC 1681b ( 2 ) No permissible purposes of consumer reports/ no written instruction, Lexis Nexis did not have permissible purposes to report this negative information. They have also violated my right to privacy according to 15USC 1681 ( a ) ( 4 ). The fact that they claim the courthouse gave them this information is another violation according to 15 USC 1681a ( e ). LexisNexis never contacted me, never conducted any personal interviews with anyone related to me or any of my associates concerning this matter. Again, this has been going on more than 90 days and the matter is still not resolved.
Consumer complaint received 2021-10-10
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. (FL)

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I own XXXX XXXX, XXXX. We received a Paycheck Protection Program loan to stay in business. It was for {$290000.00}. We spent 100 % of these monies on forgivable expenses, overwhelmingly payroll. 
Due to limitations in Capital One 's IT systems -- the systems they require us to use -- we were informed that we should sign a docusign that shows that we both owe ~ {$31000.00} on the loan AND ALSO that the SBA calculations show we are fully forgiven. I subsequently received an email from Capital One showing that I am being laden with the loan. This is vexing for several reasons, but in addition to the confusing document, Capital One 's IT systems were not set up to receive legally valid documentation supporting our payables as forgivable.

We also have personal communication with our banker than we would be fully forgiven for this amount. Moreover, in the attachment, the loan is shown as being not fully forgiven -- Capital One 's calculated " loan forgiveness amount '' on page one is {$250000.00} ; however, the SBA calculation on page 5 is for the full amount of " {$290000.00}. '' We have been repeatedly told that SBA makes the decisions for award and management of the decisions and that Capital One is functionary in nature to facilitate the loan ( for which they were paid 5 %, or {$14000.00} for just this loan ). This is a gross mishandling of the PPP loan. Make no mistake -- I'm grateful for the PPP loan. It's kept me in business ; however, the business landscape for small businesses like mine ( think residential contracting ) is perilous. Tacking on a surprise of $ 30k+ is unwelcome, and I believe unlawful.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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/XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Financed a XXXX XXXX back on XX/XX/XXXX with a monthly payment of {$540.00}. I was informed the monthly payment that was divided into bi-weekly payments will help lower the interest rate of 22.99 % if paid on time and be able to pay off early. Initially the car purchase was {$15000.00} and the total amount financed was {$20000.00}. I've paid a total of {$19000.00} to date and still have a remaining of {$16000.00} ; which is incorrect. The early payoff option available is {$12000.00}. I've paid more than 90 % of the financed amount and should be given the option to pay {$920.00} to pay off the loan in full. I was informed misinformation and the account was set up with payments to reduce the length of the loan.