davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc. (KS)

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your  claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2019-03-03
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. (SC)

I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!
Consumer complaint received 2021-08-10
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. (CA)

On XX/XX/2021 XXXX XXXX requested a credit Score from TransUnion, which they provided. Due to this score ( XXXX ), XXXX XXXX rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still TransUnion add them to the reason of the low score. 
The Actual score when logging in the TransUnion website is XXXX. TransUnion Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day. 
If I had known the actual score that TransUnion was going to report, I would made a different choice that was not going to affect my credit score.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (TX)

It was an unauthorized transaction in the amount of {$530.00} that happened on XX/XX/2021 at XXXX. I filed a complaint with current and they denied my claim. Stating that I was the one who did the transaction and I was not aware of that transaction.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (CT)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX  and XXXX  and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.
Consumer complaint received 2021-08-10
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. (CA)

There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (NJ)

I have an Alliant Cashback Visa Signature Card that is suppose to pay 2.5 % cashback on all purchases. My XX/XX/2021 card balance was {$42000.00} earning me {$1000.00}. They credit union only gave me {$250.00} in rewards ... they still owe me {$810.00}. They will not acknowledge any complaints. There is a complete lack of customer service! I have the documents included with my credit card clearly stating 2.5 % cashback for every dollar spent with no limit on the amount of cash back! 

Please help!
Consumer complaint received 2019-03-03
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. (SC)

Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in XX/XX/2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called XXXX  and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

review these accounts that appear on my credit report, without any authorization, they are not mine. 
Identity Theft 08 CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

They stole my money after I paid them. I paid them {$1400.00}. Payment was due XX/XX/XXXX, paid later because there was an issue with my bank, they called me and said today was the last day to pay. I paid, they said they never got it & needed to do an investigation. 

I asked about the next 2 months payments, because I knew I paid. And wanted to continue my payments, about 3 months later after I given them proof of payment, they used my money towards something else which was a scam. 

Then they tried again, then they told me I paid 2x, I said from the beginining to check their account where the money goes they will see that they up by {$1400.00}. They never did it, so that was a tell ...
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centralized Business Solutions Company (OH)

I received contacted by a Mr. XXXX, of Centralized Business Solutions Company at XXXX. XXXX XXXX XXXX XXXX, OH XXXX regarding a XXXX medical debt back in XX/XX/XXXX. He reported that I owed a medical bill from XXXX XXXX in the amount of {$140.00}. I never indicated that I owed this debt, but I paid the amount. However, three days ago Mr. XXXX placed this debt on all three of my credit reports indicating that it was a new and unpaid debt of XX/XX/XXXX. I contacted Mr. XXXX and he refused to discuss this matter.
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I sent letters to Capital One, Certified Mail w/return receipts, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. In the 3 letters, I made Capital One clear that I know my rights through the FCRA and FDCPA and requested validation of the debts they claim I owe, along with competent evidence that an agreement was ever made between Captial One and myself. In the first letter I sent, I specifically requested Capital One to provide me with : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Capital One responded with billing statements and a separate letter stating, and I quote, " Dear XXXX My Name }. 

Thank you for your recent inquiry regarding your application with Capital One. The application that you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience ... '' This is an extremely clear admission from Capital One that they have no proof of a paper copy of any agreement made between Me and them. Capital One also failed to provide me with all the requested information. 
I sent my second letter which informed them they had not met the validation requirements as required by law. They responded stating, " According to our records, We received your application by Internet on XX/XX/XXXX and your account was opened on XX/XX/XXXX ... '' Yet, again, they sent nothing to validate I applied for an account with them. 
I sent a 3rd letter specifically asking for a recording of the alleged phone conversation or a copy of the alleged online agreement ( since they aren't even clear on how the alleged agreement was made ) showing clear undeniable proof I agreed to acquire the debt in question. To no surprise, they weren't able to provide either and responded again stating they, unfortunately, don't have a copy of the agreement to send me. This further proves they're unlawfully trying to collect a debt I do not owe, and reporting false, unvalidatable information to the major credit bureaus ( XXXX, XXXX, XXXX ) which has caused immense damage to my credit score! They can't even specify how this non-existent agreement was made! 
Also, Capital One has somehow managed to convince the major credit bureaus this debt is validated yet as clearly documented by certified mail and multiple attempts from me, Capital One was unable to validate I owe this debt.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2021 I disputed the balance of my mortgage with XXXX XXXX to Transunion through XXXX XXXX. Instead of updating the balance, XXXX XXXX was totally removed from my credit report. I have been going back and forth with XXXX XXXX and Transunion. XXXX XXXX says Transunion has to request information to put XXXX XXXX back onto my credit report and Transunion says the XXXX XXXX has to report my mortgage to Transunion. I was also told by XXXX and by XXXX at Transunion that even if I send a letter to Transunion from XXXX XXXX stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, XXXX XXXX. Pease help. My credit score is affected.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I have paid Citibank loan number XXXX already today I called Citi loan recovery they said I have a balance of {$3800.00} this is wrong balance of this loan is XXXX and my city bank account shows it thus is ana tempted extortion when I asked them tell me when and who charged this {$3800.00} they could not show me that The Citi recovery unit dose not bother to look at Citi bank accounts to see balance is XXXX rather they choose to report account XXXX as collection not paid thus causing be great harm by XXXX XXXX reporting it to credit bureaus as collection I can send copies of bank statement that shows its been XXXX balance this is a hate  crime so XXXX  people dont get credit and attempted extortions by wrongfully demanding money with threat of. Refit collection for non existence valance exact definition of extortion
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, XXXX  or Equifax have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.
Consumer complaint received 2017-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Nationstar/Mr Cooper has been misreporting late pays on my credit report. I filed a bankruptcy Ch. XXXX back in XXXX which was confirmed in XXXX of XXXX. In the court ordered plan Nationstar 's mortgage was re-written. Nationstar was allowed equal payments for a total of 10 years with a ballon at the end. The court order stipulated that there are no escrows. Also stipulated was that if any dispute arrises the court holds jurisdiction and the dispute would need to be settled in front of the court. I began making my payments promptly in XXXX of XXXX for the same amount for about nine years with no problems. This year Mr Cooper decided to violate the court order and escrow the account. When I continued paying the court ordered amount instead of their inflated amount they started reporting me late. I have reached out to the company many times at least 15, each time after I explain and they look at the account they are very apologetic and assure me that it will be taken care of because it is reporting in error. I have spoken to both customer service and supervisors and the Post Bankruptcy Department. Still it remains reporting late. I finally made a complaint to the credit reporting agencies, once I did that not only did they leave the late pays they added more late pays. Any help would be much appreciated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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.

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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.