davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

My Escrow account currently shows 2 erroneous tax payments made on XX/XX/XXXX for {$1400.00} and {$26.00}, which the city never received and which do not match any tax bill the city issued. On XX/XX/XXXX I received a delinquent tax bill for my 2020 Winter taxes in the amount of {$1200.00}. To avoid further complications on XX/XX/XXXX when the city no longer accepted payments, I paid my delinquent tax bill. I notified XXXX, XXXX. of this issue on XX/XX/XXXX, no resolution has occurred despite XXXX re-issuing a " response due date '' three times, the original response date was for XX/XX/XXXX, then XX/XX/XXXX and XX/XX/XXXX. No response has been given as of XX/XX/XXXX despite several phone calls to resolve the issue. During these calls no useful information was provided and the response due date is simply extended with no further action taken by XXXX. I need to be reimbursed for my tax payment. I need the erroneous escrow payments refunded to escrow and I need to know the resolution to avoid this error on my summer taxes. I am submitting this complaint based on the lack of adequate response and approximately {$3000.00} missing from my account with no answer as to where it went.
Consumer complaint received 2021-06-12
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. (PA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2022-02-04
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX I received a called saying they were going to served me, sees my accounts and sent me to court because I owed them money. At 1st I asked where he was calling, the acct # of my supposedly debt, the court case # etc.he didn't want to give me any info. 
Well we struggle for 30 kin until he finally told me the info. His name is XXXX XXXX, the number he used to called me is XXXX. He said his office is a para Legal name XXXX XXXX. He said in XXXX i closed an acct with XXXX  Bank and I never paid XXXX + another XXXX or more for court and attorneys fees. A lie since i never closed any account that I don't put in XXXX and to closed it you go to the bank. Anyway that account never existed. I don't have an account in that bank and that bank is closed long ago. He said the acct # XXXX # XXXX the case # XXXX. He threaten me to take me to court, froze my assets, called my HR department, froze all my bank accts until i pay. I told him i was going to called the police, which I did. I explain the situation, they told me its a scam and to anyway report it here and call my bank which is, by the way, Wells Fargo. They told me that acct number doesn't exist and no to worry. But I am worry. I work from bed, for myself. And I am surviving. I don't need this harassment. I have a XXXX XXXX. Can someone please tell me what else to do? Thanks
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Continuously reporting erroneous information on my credit report, which I have notified them of these errors which they have NO permissible purpose via my handwritten consent to report this account. Their actions show complete negligence & non-compliance in this matter. I also have proof from the original creditor, that I do not owe anything on the account at all, therefore because this has been injuring my financial credit worthiness, I'd like the account to show/reflect as paid in full & paid as agreed. As well as the invoice to be paid.
Consumer complaint received 2022-02-04
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

I have a closed AT HOME credit card account with Synchrony Bank that has a remaining balance but I'm currently in the process of paying it off. My daughter and I were both hospitalized due to XXXX. I lost time from work and my paycheck was affected due to it. 
I was coming up close to being 30 days late on my at home card payment, so i called into their customer service dept. I was told by the rep that as long as i paid the past due amount of {$100.00} by XX/XX/XXXX i would not get a 30 day late reported to the credit bureaus. 
He said the call is recorded and he was 100 % positive that i would be ok. 
I made the payment by the date he specified on XX/XX/XXXX, the money has been removed from my account. Today XX/XX/XXXX i got an alert from XXXX credit monitoring service that AT Home/Synchrony bank reported a 30 day late on my credit report. 

I have never been 30 days late with Synchrony bank on any of the cards i have with them. this also has caused my credit score to drop XXXX points. I was in the process of refinancing my house and this will literally stop that from happening. I was told what to do by the CSR rep for Synchrony and I paid what i was told to pay and on the date he said to!
Consumer complaint received 2018-06-29
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. (CA)

My XXXX-year old father was the victim of an unscrupulous unlicensed contractor, and who turned out to be a thief and a vandal. My father purchased items for a home-improvement project and had the items in this contractor 's truck. Instead of delivering the item to the house for the project, the contractor absconded with the home improvement material. He also returned to the property and vandalized my father 's vehicle and stuck a nail inside his newly purchased 'run-flat ' tire. We filed a report with the XXXX XXXX, California Police Department ( XXXX ) XXXX ext XXXX, about the theft of the items and the vandalism. Police Report Number XXXX XXXX. I also filed a claim with my credit card company for the vandalized tire that could not be repaired and needs replacement. 

The credit card company has purchase protection for damage/theft. A claim was filed with them on or about XX/XX/2018. They were provided with photos of the damaged tire, the receipt for the purchase and a copy of the police report along with contact information of the police department and officer who took the report so that they could/would access the report themselves and their would be no question or problem with the 'chain of custody '. 

However, despite being provided with all the information they requested on multiple occasions, the carrier for the company has not made a decision on the claim and has been dragging their feet. To date, after two months, the claim is STILL outstanding and the carrier is requesting the same information AGAIN, thus acting in bad faith.
Consumer complaint received 2019-07-30
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. (CO)

XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Hi, on XX/XX/2022 I saw a video on XXXX of XXXX ( XXXX ) XXXX XXXX founder ( XXXX XXXX ) while I watching his video there was a promotion like bonus next to his video saying : We believe that XXXX and XXXX XXXX will make the world more fair. 
To speed up the process of cryptocurrency mass adoption, we decided to run XXXX XXXX XXXX XXXX giveaway. 
Please follow XXXX to participate in the giveaway. 
To participate you just need to send from XXXX XXXX to XXXX XXXX XXXX XXXX to the contribution address and we will immediately send you back XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) to the address you sent it from. 
Send XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back so I went to to XXXX and send XXXX shares of my XXXX to their wallet address which is : XXXX. 

and after sending it, i didn't received my bonus which is XXXX shares of XXXX and I chatted with them on the same website and i said i didn't receive any shares of XXXX he said over the chat : Sorry, but you are one of those people whose transactions were lost when the system was rebooted. We are sorry. They got lost in our system but did not cease to be reflected in the blockchain system. To return the funds, you should send one more minimum payment, and then after entering the system we will be able to edit it and adding your transactions will send them to vou XXXX. 

and I found out it is a scam because on the video I saw on XXXX somebody made a fake XXXX account for XXXX XXXX and edited that promotion next to his video to trick people and steal crypto shares from people. they are using the founder 's name and video to scam people. I can't believe i did this stupid thing. ive lost a lot of shares and money and i was so sad about this. I dont even know if there is any way I can get it back or not. but please concern this. I have my crypto in Coinbase pro and emailed Coinbase and they said : All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. is there any way I can get my shares back?? can you track it down to find the person is doing this to people? im so XXXX  about this happed to me. 

Thanks So Much.
Consumer complaint received 2022-02-04
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. (FL)

I HAVE DISPUTE THIS ITEMS NUMEROUS TIMES. INVESTIGATION TOOK WELL OVER 30DAYS. I DIDNOT RECEVIED ANY OF RESULTS FROM THE CREDIT BUREAUS. ACCOUNTNAME { XXXX XXXX }
Consumer complaint received 2022-02-23
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: Santander Consumer USA Holdings Inc. (GA)

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Despite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and compiled ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (IL)

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. and the company called my childs phone and her boyfriend and a old co worker also some how called the church .Thank you
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account without giving any tangible reason as to why. I have some funds in the account ( XXXX USD ) which I just received as salary payout. I have tried to reach them but all they could say is I need to wait 180 days. 

Personally I think this is so unfair and purely evil way to treat people. Please recover my funds as I don't really care about using the account anymore at this point. 

Email : XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX  XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-02-23
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. (PA)

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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-06-12
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously