davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX  reporting me with 3 collections {$2300.00}, {$920.00} and {$3900.00}. I have sent XXXX XXXX a debt validation for all 3 collections and they have not responded and also reporting me on my credit reporting agency XXXX, XXXX and XXXX. All 3 collections being reported does not belong to me.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (NC)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/2023, I received a notice from an official at my school, saying that XXXX of my teachers was downsizing and selling her late husband 's accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through Cash App, which is connected to my debit card at XXXX XXXX, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my XXXX XXXX XXXX  account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at XXXX XXXX, XXXX of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that Cash App is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is XXXX of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at XXXX XXXX, because he already told me I couldn't get my money back. I then tried going through Cash App Support on XX/XX/2023, because XXXX XXXX told me that the purchase was not made through them, but through Cash App. Cash App repeated what XXXX XXXX told me and it felt like I was going in circles looking for an answer to this scam. Each representative told me the same thing, I have no further information on this case, but if you would like to ask me about something else I can answer. I then tried re-filing the dispute with XXXX XXXX, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either XXXX XXXX or Cash App.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.
Consumer complaint received 2023-03-18
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AR)

I made a purchase in coinbase this Friday ( XXXX ref code : XXXX ) and coinbase double charged my debit card. This caused my account to go in the negative and I have a check thats out pending that will now bounce. I cant get ahold of anyone at the company and this is ridiculous!!
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

I am a depositor with Ally.com internet banking since 2010. For the past 3 weeks, I have been unable to login to account.. attempts to secure access via customer support services have not fixed the problem : Attempts to access account renders an error message : access unavailable. Discussions with their tech support assured me access.. I was able to login only once after real time intervention on their part. Their narrative is " bogus '' as it tries to assert it's my desktop PC... I only use a desktop PC... but I can access other commercial site routinely.. why not theirs? Been able to for past XXXX years ... all of a sudden Ally system blocks log ins to account but allows me to login to their site which allows me to send secure emails seeking support. My conclusion is that their existing system software upgrades have altered access.. attempts to access my account data, transfer funds etc are blocked. Ally is failing their fiduciary obligation to allow depositors access to funds. Their summary denials of their system failures is quite frustrating ... violates our economic system that is based upon " consumer sovereignty. ''
Consumer complaint received 2019-07-15
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. (MD)

My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation
Consumer complaint received 2019-07-15
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. (MN)

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX  {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2019 I appeared in court in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX Case # XXXX. 
I told the Judge I was denied my right to verify if Midland Funding LLC has a license to do business in the state of Arizona or even if the license is up to date or anything else. The judge stated it had nothing to do with the case. I sent Midland Funding LLC a verification letter via their attorney which I got from the Fair Debt Collection Practices Act, I knew if I sent the letter from them, the questions wouldn't be petty & would be helpful to me. I received a few answers to some of the questions but not anything that was important like their license # an address where I could check out the license to make sure it was up to date or anything else about Midland Funding LLC. Now Midland Funding LLC has filed a Notice Of Service Of Plaintiff 's Rule 121 Disclosure Statement. The judge has completely ignored the fact that my rights were violated / denied. 
The previous complaint that I filed is # XXXX which explains what first happened.
Consumer complaint received 2019-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

Student Loans where taken out in my name by my ex-wife University of XXXX  and XXXX XXXX XXXX which in my divorce I won the case and she was told to pay back all of her student loans then she file for XXXX and they end up putting the loans back in my name which I have sent in information about fraud activities the information that they sent me was not even my name wasn't spelled incorrectly my date of birth  always wrong so if you could help me with this I would truly appreciate it.
Consumer complaint received 2019-01-04
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. (NJ)

Transunion deducted points off my report, because of a dispute that was granted, every time I win a dispute because they have so many inaccuracies on my credit report they will go in and take away substantial amounts of points, I just won a dispute on XX/XX/XXXX and on XX/XX/XXXX they went in and took 58 points away for no reason and the time before that they took away 88 points because Inwon a  dispute, please have then restore my points, it is against the law for transunion to continue to deduct points away from consumers just because they win a dispute.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I tried to contact Barclays Bank to obtain physical proof of the 5 late payments that are posted on my account with them. It has been over 30 days and I have yet to receive a response to my request. Also was not notified of my late payment status withe creditor.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (GA)

I applied for a personal loan and it was funded in XXXX XXXXOne reason I choose Discover is because it said no pre-payment penalty. Discover set up the first payment for XX/XX/23. The regular payment is {$480.00}. On XX/XX/XXXX, I paid {$580.00} which was an extra {$100.00} in addition to the regular payment. Instead of Discover counting the extra {$100.00} to the principal alone, they took some and applied it to the interest and only {$56.00} or so went toward principal. When I called to complain, their excuse was that because it was the first payment, it had accrued more interest because it was like 53 days since the funds were distributed. I explained to them that Discover set up the payment as well as the payment plan and that should have been taken into account when they set up the payment plan and that should NOT have affected my {$100.00} EXTRA PAYMENT THAT WAS MEANT TO GO 100 % TOWARD PRINCIPAL. I signed in today to make another payment and had every intention of paying an additional {$100.00} but if they are just going to take some of it and apply toward imaginary principal, I decided not to pay extra which of course benefits Discover. So in effect, it has a prepayment penalty.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

I have been dealing with issues with Equifax credit reporting agency for almost 1 year now. I have been attempting to get a construction loan to build my house and 4 different lenders have been unable to pull mine and my husbands Equifax report. They have consistently gotten XXXX and XXXX with no problems. I filed a complaint after hours on the phone with no resolution on XX/XX/2022 with CFPB. The result of this complaint was stated to be resolved by Equifax however their answer was the same I had gotten every time I called. It was in essence not resolved. Now almost one year later I am attempting my construction loan and again the bank can not retrieve my credit report from Equifax. XXXX and XXXX are fine. My husband and I have been on the phone 3 more times in the last week trying to get to the bottom of it with no avail. Every person we speak to states there are no freezes, no fraud alerts the company should be able to pull the report. We have done authentication verification with Equifax as supposedly this would clear it up and today, the bank still could not pull the report. We have been going through this for a year now. Its absolutely ridiculous that no one can figure out why this is happening and only with Equifax. I am emotionally spent and so disappointed that I can not move forward with my home because they cant manage to fix whatever this problem is. Something is wrong and they need to figure it out. I have tried absolutely everything I can at this point. We need some help. I have attached a screenshot of what the lender received and this is after 3 phone calls over the last 3 days and everyone stating there shouldnt be a problem.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

My wife and I are trying to obtain a mortgage and several medical collections showed up on our credit reports damaging our credit scores. All the debts were paid on the companies payment website using my mother-in- laws credit card and confirmation # 's and e-mails were recieved on her email.The Collection Company is : XXXX , XXXX , XXXX and XXXX XXXX located in XXXX XXXX NY . After waiting several weeks for these to be removed from credit bureaus we called on my wife 's account and requested that they send updates to bureaus. A week later they all showed removed and her credit score improved. Mine however were not, so several weeks later I called and they found no proof of payment and said it was still owed.I was on my way to work ( night shift ) so gave them permission to speak with my mother in law as she had the confirmation # and acct #. She spend over 1 1/2 hours trying to get issue resolved with no positive outcome. The rep thought maybe the payment was applied to a different account so she took my mother-in-laws information and was to have a supervisor call her the next morning ( today ). She did a lot more digging into the situation and thinks she had found something that might help track the money. She called back and they refused to even look up anything because she was not the client. The supervisor did get her return call info but refused to call her back because of this. We called call again this morning and they would not speak to me because my mother in law was in the background and the rep could hear her giving advice. They hung up on me. I called back and ended up repaying again using my mother-in-laws credit card. She will have to dispute the original charge to get credit. They need to improve their accounting practices and customer service skills.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (FL)

I am writing in regards to [ a late payment ] on my credit report from [ XX/XX/2022 ] for my [ ALLY ] account. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because [ A PAYOFF CHECK FROM XXXX XXXX WAS RECEIVED BY YOUR OFFICE IN ATTEMPT TO PAY OFF THIS LOAN During the time this payment in question was due, I was Not notified that the check would not be deposited due to the wrong pay off amount. Consequently this led me to believe that it had been deposited and that I { did not } have to make a regular payment. This was the very first payment of the loan. A magnitude of misunderstanding in play, i was not able to determine if you { ALLY } Or if XXXX XXXX was Responsible for my loan ]. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 
As a courtesy, I am requesting that [ ALLY ] make a goodwill adjustment and remove the late payment on [ XX/XX/2022 ] from my record. 

The Dealership Headquarters of XXXX XXXX XXXX Georgia Lost the first. payoff check given From XXXX XXXXl .Ally Finance received a 2nd payoff check from XXXX XXXX XXXX The never deposited either check. I was forced into accepting the financing the dealership placed me with when they knew i had been approved with XXXX XXXX...
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

American Express wrongly charged a fee to my account. However, they reversed this fee when I complained to the cfpb. However, the company continues to charge me a {$39.00} a month late fee associated with the original fee. That money should have been refunded