davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage Services LLC has reported that our mortgage is more then 180 day due to the credit company 's. We do have a COVID 19 Pandemic Forbearance Plan with them. After call the company, We were told they didn't report our information the XXXX XXXX XXXX XXXX XXXX, however my credit score has dropped over a XXXX points in one month. 

CARNG TN MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-11-30
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. (IL)

This is my XXXX 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 alleged fraud or extortion. 




XXXX XXXX Balance : {$36.00} ; XXXX XXXX  Balance : {$36.00}
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

The representative from Citibank provided me the wrong payoff amount and left {$1.00} on my credit report.This resulted me being 30 days late on my credit. I filed three complaints already my issues were never resolved.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (GA)

All of the inquiries listed below are fraudulent and reporting illegally on my Equifax credit report and also Ive included a identity theft report. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-10-01
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: Bread Financial Holdings, Inc. (SC)

In XXXX my Sony XXXX XXXX switched from XXXX  XXXX to comenity as the card company. I have always had my card on autopay and upon the switch I dutifully set up autopay with the new company. The autopayment did not occur despite email confirmation that it was setup. I contacted comenity, the new company, as soon as I realized the issue. I was charged a late payment and interest. After confirming the error on their end they cancelled the late payment charge but never refunded my interest. Fast forward to XX/XX/XXXX when their website went down. I could not make a payment and was nervous because of the previous issue. I set up a payment in the alternative way they recommended but ultimately was charged twice. Fortunately I was able to get the overpayment back but ever since that time I have not received any reward points despite still using the card regularly and paying on time. The company says only that they will fix it soon but it has been 3 months + since I have received any rewards and the company will not give a date for when the reward points will be credited. Also after the web update all of my old secure messages about the issue became unavailable.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Citi makes verifying your card unnecessarily difficult by requiring a second number to send a verification code to. You tell a representative the verification code which also feels less secure because I can not be sure that they are not scamming me.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (VA)

Dear CFPB I have attempted numerous times to contact the XXXX credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an XXXX Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the US. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

XXXX is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (SC)

On XX/XX/XXXX I purchased a white XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The vehicle was valued at {$15000.00} and adjusted to {$13000.00} as a price match to their online service. Prior to this transaction, I have no credit information due to being twenty and just leaving college. The car was financed upside through XXXX XXXX with a 20 % interest rate, with no GAP insurance applied. This totaled the balance at {$17000.00} as the estimated payoff, unknown to myself at the time. While working with the associate, there was no mention of this insurance protection from the automotive sales rep or XXXX XXXX. All paperwork for the vehicle was not done in my presence. 

As of XX/XX/XXXX, the car has been deemed total loss with no way to repair. Currently, XXXX XXXX has applied {$12000.00} as the value of the car and what they will pay, and XXXX XXXX XXXX XXXX XXXX canceled my contract of service for {$1400.00}. This will leave me with a XXXX XXXX dollar balance that I am currently unable to pay. I am unemployed and seeking to return to school. This process and inability to protect their consumer has led me into an upside down situation from the first day I walked away with the vehicle.
Consumer complaint received 2019-04-11
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (UT)

National Credit Adjusters - XXXX - has been reporting on and off on my credit report for 2 years for an account that is not mine. I have requested proof of this debt or any signed agreement to prove that it was mine and they can not produce it. The original creditor said that it was opened up on the east coast and I obviously do not live on the East coast. 

It is this companies responsibility to validate and account NOT me to validate that it isn't mine! It has been removed before and put back on and it is NOT MINE ...

I demand they prove to me that it is mine or they need to delete it from my credit report.

This is a clear violation of the FCRA and the FDCPA I have been referred to an attorney that I have given all the documentation regarding this account and I am prepared to take legal action against National Credit Adjusters and the original creditor because this has affected my financing on 2 occasions. 
I have been building my case for 2 years against them with their responses and the bureaus responses as well. 
The next correspondence will be from my attorney and the attorney general in their state of operation. 
I will fight this at whatever cost and I promise you I will win because this is NOT my account. 
Kindly Govern yourself accordingly
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I  am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency  have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill. 

this information is invoilation to 18USC A1 2 a
Consumer complaint received 2019-04-11
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-11
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CO)

Several fraudulent attempts were made to gain access my U.S. bank credit card account ( XXXX XXXX XXXX XXXX The company sent me at least XXXX new cards, including XXXX of which I never received. They finally made the decision to close my account ( letter sent on XX/XX/2023 ) because they said that it was at high risk of fraud. After the account was closed I requested to be able to redeem the rewards points that I had accumulated which totaled XXXX points which is equivalent to over {$380.00} dollars ( they only provided rewards in {$25.00} increments as a gift card redeemable at authorized XXXX XXXX dealerships ). At the time they closed the account I was eligible to redeem {$370.00} worth of points. They sent me a letter dated XX/XX/2023 saying that they were unable to fulfill my request to redeem rewards " due to the current status on my account ''. I believe that this denial of my request for the rewards was very unfair and amounts to stealing those rewards that I had legitimately earned. I had this account for over 29 years and always made payments on time. I was the victim of the fraudulent attempts to access my account, NOT the perpetrator. Please assist me in obtaining the {$370.00} in rewards I had earned. I have provided a copy of the last credit card statement that I had received which shows the rewards points balance ( I did not receive a statement in XXXX ). I have also included copies of the original credit card which matches the statement and the most recent credit card that I received, a copy of the letter closing the account, a copy of the letter denying me the rewards points, a copy of a letter confirming that I had reported identity theft to the company and a copy of a letter showing that they were aware of fraudulent activity pertaining to my account. Apparently their security system was not able to prevent recurring attempts to gain access to my account that included changing my address, email address and phone number even after placing an alert on my account.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian refuses to actually investigate an erroneous item on my credit report. The other 2 agencies did, and it was removed. Only Experian refuses. They send me a form letter that 'it has been verified. ' It CAN NOT Have been verified, as it is not accurate! Account is XXXX XXXX XXXX. XX/XX/12. Pd/closed ; {$800.00} written off. I have sent MULTIPLE certified letters, have called, they have stopped ALL fax communications ; I have asked for the proof they say they have, they furnish NOTHING. At this point, this is XXXX AND FRAUDULENT. I request they be FINED XXXX per FCRA regulations. Enough is enough.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

On XX/XX/XXXX I received a call from XXXX XXXX XXXX   stating that i owe {$620.00} for a collection on a XXXX XXXX credit card that I let go unpaid. Knowing that this was true I paid this collection agency the full {$620.00}. Soon after that I started receiving calls from Midland Funding, LLC demanding {$680.00} and some odd cents for the same collection that I had just paid. Midland has called numerous times demanding I pay the {$680.00}. I have even offered to settle with them with much hesitance since I already paid it just so this is resolved. I offered to pay 50 % of the total and was denied. On XX/XX/XXXX I sent a letter that included a dispute clause and the letter from XXXX XXXX XXXX showing it had been paid in full. Then today XX/XX/XXXX I called again to ask what the status on the dispute was. I was told that because their account # didn't match the one on the letter I sent it was denied. I asked if they had the same accounting software and systems the other company has and they replied no. I said you are two separate companies so why would you have the same reference # 's? I offered again to settle at 50 % and was told no. I then took a cease and desist letter to the mail and dropped it off on XX/XX/XXXX and notified them I would be sending it and filing a complaint against them. I have disputed with the credit agencies and Midland Funding, LLC on several occasions and nothing is ever resolved. I believe this company is falsely telling me that I owe a debt that has been paid and will not drop it until they are paid in full. I do not feel inclined to pay this debt twice.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems , Inc has failed to properly submit verification method of a debt that the original creditor placed on my credit report in XXXX of XXXX. Last payment that was paid on the account was XX/XX/XXXX in which the statue of limitations for the State of Texas is a total of 4 years. 
Its a violation of the collection practices act for a debt collector to refuse to send a fail to respond to a verification letter. Relying on an automated third-party system called XXXX is not a valid method of verification according to the Fair Debt Credit Reporting Act.
Consumer complaint received 2020-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit report was pulled by XXXX XXXX. I was a customer ; however, they filed a judgment and the case was settled last year. They have no legitimate business purposes in accessing my report. It seems like harassment.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Consumer complaint received 2020-08-03
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. (NC)

I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX