davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (VA)

On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to affirm, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.
Consumer complaint received 2021-08-17
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. (NM)

In XX/XX/XXXX I found that the property management company from the apartments I recently moved from sent an item to collections without notifying me of the debt. I had been told previously that I owed nothing further and had left a forwarding address. I was also told this debt was for utilities billed for a time period after I had already moved out, turned in my keys, and terminated the lease. 
I did contact the collections agency at this time. They informed me that there is nothing they can do, that I must contact the property management. That it was there responsibility to inform me of the debt. This is something that never occured. 
The property management told me that they have no control of it. That the debt was already sent to collections and even though they made a mistake, they could not get it removed from collections. That that is the responsibility of the collections company. 
I disputed this debt with XXXX, XXXX, and equifax. 
XXXX and XXXX  took immediate action and removed the item from my credit report. 
Equifax stated the item was removed. However, at the beginning of XX/XX/XXXX, I found that the item was still there. I disputed the item again. The item is still there although the dispute has been completed. I am unable to view the dispute results. The pdf will not open, error messages occur when I attempt to open it. 
This is not my debt. I have disputed it again. Equifax is failing to investigate or take action regarding this item.
Consumer complaint received 2022-08-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

Account Name : 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  I Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX 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.
Consumer complaint received 2022-08-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

Account Name : 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 XXXX5 U.S.C 1681 section XXXX 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.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

For the past 4 months, I ; ve been trying to access my Coinbase account without any success. Coinbase states authentication problem, but after a dozen of email, they still have failed to provide any meaningful support and to dateI still dont have access to my account. This I suspect is a fraudulent company, but I still need to deal with them since the retain funding of my crypocurency account. I am kindly requesting your assistance in this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I don't know what else to do. For over a year now I have been submitting letter after letter to Experian about the many inaccuracies on my reports. At this point if they do not start to respond within accordance of the law I am hiring counsel to handle this for me. This treatment is starting to be extremely taxing on my mental health and biased. I have been keeping all of my records and their responses and they are in clear violation of the FCRA
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (NJ)

On XX/XX/2022, I was treated by a medical provider through XXXX XXXXXXXX XXXX. They submitted the claim to my insurance company on XX/XX/2022, and on XX/XX/2022, XXXX issued them payment for the service rendered resulting in a balance owed by me of {$53.00}. 

I never received an invoice detailing a balance bill in the mail from XXXX XXXX XXXX. The week of XX/XX/2022, I went to their portal and found that there was a balance owed. I wrote a check for the balance and mailed it to XXXX- which they subsequently cashed on XX/XX/2022. 

I received a letter from BCA Financial Services dated XX/XX/2022, stating that I had been referred to collections for an unpaid balance owed to XXXX XXXX XXXX. It is quite literally impossible that between XX/XX/2022, and XX/XX/2022, XXXX XXXX XXXX billed me for the balance owed on my account, I had 30 days to remit payment, did not do so, and subsequently could have been referred to collections. 

On XX/XX/2022, after six months of harassment from BCA Financial Services for debts not owed ( this is the third instance ), I submitted a complaint to this agency to dispute the debt. BCA Financial services told me they would verify the debt was owed and send me proof. 

They then sent me a letter dated XX/XX/2022, claiming the debt remained outstanding. They clearly did not do their research, as once again they are attempting to collect a debt that was never attempted to be collected from me, referred to collections inappropriately, and paid as evidenced in the attached. 

The harassment and illegal business practices must stop.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

Over the past 2 years, I have tried to get a correct number count for public service loan forgiveness ( PSLF ). I first called on XX/XX/XXXX because my PSLF numbers were not correct. This was not correctly input into the system after my call so when I called again on XX/XX/XXXX they proceeded to place it in correctly. I have called multiple times and there is no timeline to get my numbers correctly placed though administrators are able to see " correct '' vs " incorrect '' payment months each time I call. 

One month ago, my loan " split '' for no reason. I had two loans with FedLoan and it then became three. I never asked for my loans to " split '' but it happened. After doing that, I lost ALL my PSLF payments ( before I had some payments, just not the correct count. ) I have contacted the company multiple times but they just keep saying there is no timeline and they will mail me my info when it is done. I believe 2 years is an extremely unreasonable amount of time to wait to get correct information which administrators are able to see immediately.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair credit reporting act XXXX XXXX account # XXXX and XXXX account # 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 an account without my written instructions. 


XXXX XXXX XXXX Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2023-07-31
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. (LA)

In accordance with the Fair Credit Reporting Act ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 1681 XXXX XXXX : acc # XXXX, XXXX  XXXX : acc # XXXX, XXXX XXXX  : acc # XXXX, XXXX XXXX  : acc # XXXX, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION (MI)

I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

File XXXX XXXX  bankruptcy in XXXX that was discharge on XX/XX/2021. I was a co-signer of a auto loan from XXXX XXXX that was included in the BK, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to XXXX XXXX and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. XXXX XXXX has failed to respond to me are my BK attorney. According to the Bankruptcy Trustee XXXX XXXX is making it difficult to close this case by trying to collect funds that are already included into the loan.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened a credit card with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX should not be reporting to XXXX  ; Experian and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2019, I was buying concert tickets from a seller. On XXXX messenger, the seller agreed to send the tickets through email after I sent money through PayPal. I sent the money but never received the concert tickets. I tried to file a complaint with PayPal, but they denied it. I also reached out to the seller on XXXX messenger as well as email. The seller blocked me on XXXX messenger and hasn't responded to my email. Could you please help resolve this issue. I transferred {$30.00} to the seller and was charged {$1.00} fee, but did not receive my concert tickets. My birthday is tomorrow and this is very upsetting. I appreciate your time in resolving this issue.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated XX/XX/XXXX XXXX
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, 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.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX should not be reporting to XXXX  ; XXXX and Transunion a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Upon applying for credit I was denied for several reason one being an auto loan finance threw CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX witch I never inquired or knew I was being charged for the loan it's not my debt XXXX XXXX XX/XX/XXXX XXXX I tried to dispute it with them and they wanted a written letter but after 30 days they would receive it thats not acceptable for me.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (NC)

I sent a letter disputing 2 accounts as incorrect. I received notice that Experian received the dispute letter on XX/XX/2022. Upon receiving the results, I requested a reinvestigation of the accounts that we claimed to have been accurate or verified. I requested the following items upon the reinvestigation which included the investigation results, contact information for each creditor, any relevant information from the previous investigation and documentation used to verify the dispute for completeness, accuracy and appropriateness. I received the results VIA EMAIL and did not receive any information f the investigation. These accounts were claimed to have been accurate or verified by Experian, just putting them on my credit report without my consent and without my knowledge of them being 100 % correct.
Consumer complaint received 2021-04-13
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. (CT)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT 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 XXXXUpon 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 XXXX 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, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ACCOUNT 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a joint Bank of America credit card account with another individual with whom I no longer associate. We have made several attempts to remove my name from this account, placing full responsibility of the account in the other individual 's name. 

Most recently, we were able to reach customer service representatives on XX/XX/2022, and they mailed out a paper document that was to be signed by both parties and returned by USPS or by fax only. We returned the fully executed document by fax by XX/XX/2022. 

As of XX/XX/2022 I am still on the account. I contacted Bank of America for a status update, but they are unable or unwilling to provide me with further information. This account has a XXXX balance, and has had a XXXX balance for the last few months. 

It seems inappropriate that a financial institution can hold individuals hostage using opaque and antiquated methodologies. This has been an extremely frustrating experience, and has completely soured me on doing any business whatsoever with Bank of America moving forward.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.