davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (DC)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (OH)

Equifax failed to do a independent investigation regarding the account in question. 
Failed to investigate within the time allotted by law violating FCRA. 
Failed to mark the item as disputed to give notice the future creditors of this ongoing dispute.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX  deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX   now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX )
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Another account is allegedly open in my name in the same bank. After checking with the bank, I have just one account in XXXX XXXX bank. This has impacted my credit score by lowering it from XXXX to XXXX ( XXXX ) and I don't know why.
Consumer complaint received 2023-03-08
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )
Consumer complaint received 2021-12-13
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. (IL)

On XX/XX/2021 I certified mailed a notarized Identity Theft Affidavit to Experian. along with a copy of my drivers license, social security card, a current utility bill and requested that all the listed fraudulent accounts, names, addresses and inquiries be blocked from my credit report/ file. I called Experian on XX/XX/2021 and was told from a representative there XXXX XXXX that my documents didn't meet Experian 's criteria and that the accounts were being investigated because the address I'm asking to have blocked on my credit report is attached to quite a few accounts. I was literally in tears. This ordeal is devastating!
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

Someone cloned and hacked my cellphone, and on XX/XX/2021 they used my phone to initiate forgot password on my yahoo email, and then to enter into my email. They then reset my Coinbase password using the " forgot password '' method with Coinbase. 

They converted all of my cryptocurrency to XXXX, then they initiated a {$1000.00} buy of XXXX. The {$1000.00} was transferred from my bank account to Coinbase, it was then used to buy XXXX, and then all the XXXX was sent to a Coinbase XXXX wallet. 
In total {$1600.00} was stolen from me, converted to XXXX and sent to someone else 's crypto wallet. 

I had reached out to Coinbase. Initially they locked down my account and then stopped responding to me. I have, since then, managed to unlock my account and retrieve the transaction reference codes for the transactions and the transfers the hacker intiated through my account. 

I had also opened a case with Coinbase, and they did not communicate any resolutions to me, they provided no resolution with regards to this hacking, and closed the case. 

I have reached out to them multiple times and they have been uncommunicative and uncooperative. 

I have attached, to this complaint, screenshots of the unauthorized transactions, image of a letter from my cellphone provider company showing that my phone was hacked, and my email chain with Coinbase.
Consumer complaint received 2022-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I MsXXXX XXXX, Have a dispute with XXXX XXXX XXXX mortgage loan account # XXXX This dispute is regarding the property address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX, This loan was open with XXXX in XXXX loan amount XXXX XXXX being the first mortgage holder, and Chase being XXXX second. XXXX loan was a conventional first stand alone XXXX mortgage loan amount XXXX both loans happen in XXXX in XXXX me and my husband experience a hardship and apply for a modification with the first mortgage XXXX in XXXX, we was not given a modification until XXXX, The new loan amount after paying for 9 years totalXXXX we later question XXXX about the second one we had with them and they reduce our XXXX dollar payment for the XXXX loan to XXXX dollar and gave us a new modification loan although we did not have any missed payment with them they change the payment and added the deferred amount of XXXX to be added to what we still owed XXXX from the original amount this is nine years later, we recently pay off both loans in XX/XX/XXXX, and XXXX XXXX a late payment report to the credit bureau of a missed payment for XXXX which is not true. XXXX escalation department stated that they will not change the report and it will be on my record for seven years but they can see that I paid and refuse to amended this report.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Account Recovery Specialists, Inc. (KS)

ARSI Account Recovery Specialist, inc. ( KS ) XXXX XXXX. Have violated the fair debt collection practice act by the following.1. they added their own fees and or charges, 2. threatened with sueing, 3. threatened me to pay more, 4.filed a judgement ( garnisment ) without a notification or subpoena when I all ready had a payment arrangement.
Consumer complaint received 2021-12-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-09-26
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)

XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2022-09-26
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. (FL)

XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution.XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (TX)

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I refinanced a loan with Caliber Home Loans. They were already servicing a loan of mine for approximately 18 months. I refinanced for a lower APR. After closing I received an email on XX/XX/2021 that my loan had been funded. On XX/XX/2021, I received a notice that my payment on my loan had been received. I assumed this was the auto-pay I had previously set up successfully paying the amount due on my new loan. I did not receive any other communication from Caliber Home Loans. 

On XX/XX/XXXX, I received a notice from my credit monitoring service that a derogatory mark had been made against my credit. Investigating this I found out that Caliber Loans had submitted a non-payment to the credit bureaus for a missed XXXX payment. I contacted Caliber and paid the amount due in full and re-submitted the autopay that was erased in the changing of loans. I have subsequently attempted to remedy the derogatory mark as it was merely a misunderstanding of auto pay not carrying over and poor communication on their behalf. If I had received an email notifying me that payment and not been made, or a call clearly stating that A payment had not been made, I would have been able to remedy the situation immediately. 

Previous to this derogatory mark I have maintained perfect credit and have never missed a payment. This has caused my credit score to drop over 100 points and is something I firmly believe was strictly a misunderstanding and not reflective of derogatory behavior in any way.

Im reaching out to you to see if theres anything you may be able to do to help remedy the situation. Thank you very much for your consideration and hope we are able to come up with a solution.

Kind regards XXXX XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have sent in multiple disputes, disputing this misinformation on my credit report. I have asked for verification that this debt is valid and i have not been provided with the proper communication. This is also a violation of my rights as a consumer. 15 USC 1692 G states as a consumer i do not owe any alleged debt. This debt has not been properly verified. This is misleading unverifiable information. As a consumer my information should not be shared publicly. This is hindering me from jobs, housing opportunities and more. Delete this information
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/2018, I sent Rash and Curtis a cease and desist letter via certified mail. It was signed on XX/XX/2018. To date, Rash and Curtis is still reporting collection activity to all three Credit Bureaus and have not been in compliance. they are in violation of the FCRA and FDCPA
Consumer complaint received 2021-12-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

I have been getting emails from Collections from various debt collectors for the past several months. Usually I delete as scam emails but occasionally I ask them to validate the debt, which they never do. 
Tonight I received an email from ACE collections and it says I have to appear in court on XX/XX/XXXX. The email is contains no contact info for court or collections department. It does however contain a link to appear in court via XXXX XXXX. 
I have pasted the email below to better illustrate : " XXXX XXXX XXXXs : ( XXXX XXXX XXXX ) From : XXXX Dear XXXX, Phone Number : Despite our previous reminders, we still have not received any payment or answer from you. Therefore, we regret to inform you that we are downloading your case file and will conduct virtual court appearances on XX/XX/XXXX, using XXXXXXXX XXXX and telephone conferencing. The meeting invitation or court appearance notification will tell you how your appearance has been scheduled. If you are uncertain, contact the court, directly. 

IMPORTANT : You are prohibited from recording video or audio, or taking photos or screenshots during a virtual proceeding. 
( See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Appear Using XXXX XXXX OR Appear by Telephone ( not using the XXXXXXXX XXXX app ) If the court scheduled a telephone appearance for the case, the court will call you on the date and time of the hearing. Be sure your phone is near you. 

If you have questions before the court date, Email us back so that our attorney can help you or send us the payment today to hold this case file ''
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I sent a letter to Transunion regarding my rights being violated. Transunion is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.