davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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. (CA)

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 Equifax Credit Bureau is reporting inaccurate information on my account. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (LA)

I checked myself in to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX sometime in XX/XX/XXXX. I was told by their billing staff before treatment that I would have a {$30.00} co-pay and my insurance covered the rest of the fees.Then on XX/XX/XXXX an account was posted on my credit report in collections for {$850.00} by XXXX XXXX XXXX. When I contacted them in XX/XX/XXXX they told me the account was for unpaid medical expenses from that visit. I had received XXXX correspondence from them them whether by phone, mail, or email. I have had the same phone number since XX/XX/XXXX, there is no possibility of being unable to reach me. I don't even know if this company ever purchased any account of mine as they have sent zero information regarding it. 

I opened a dispute through XXXX on XX/XX/XXXX and their investigation was completed XX/XX/XXXX in favor of the lender. At least now I have some evidence that their company has SOME legitimacy. However, now as of XX/XX/XXXX, as a direct result of my dispute, my account looks like it was sold to PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX But the account shows that it was opened XX/XX/XXXX and not when it originally was posted in XX/XX/XXXX. I researched and learned this is called Re-Aging and is illegal. I have been working on achieving better credit and have had zero missed payments or accounts go to collections in several years and now this company has illegally changed my account with zero contact to me and has affected my credit.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

Coinbase - Unable to access funds I opened account Coinbase and thier exchange XXXX  on XX/XX/18 and deposited ~XXXX usd and purchased virtual currency. 

On XX/XX/18 I received a text from Coinbase that my auth has been changed from XXXX XXXX to XXXX XXXX and to reply if I did not initiate the change. I replied and received an email questionairre. 

Today is XX/XX/18 and my account has been locked for 3 weeks. Coinbase will not return my funds or unlock the account. They continue to say they are looking into the matter.

I have contacted coinbase a number of times and they will not resolve or even give an ETA. 

Careful using this service. As soon as my funds are back I will never use again.
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

I received a collection notice from Harris & Harris , LTD regarding a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX in full and they still sent my account to collections. I have my paid in full email from them which I have attached to this complaint. I paid this medical bill off on XX/XX/2021. 

If this erroneous debt goes onto any of my credit reports I will have no choice but to pursue any legal remedy under the law. 

Please correct your records! This has been paid in full!!
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a first mortgage with SLS that was originally from XXXX XXXX but sold off. I entered into forbearance during the pandemic. Around the end of the forbearance period, SLS sent me paperwork that my wife and I needed to fill out in order to determine the payback method. I wanted to defer the payments to the back of the loan, but after reviewing my paperwork, SLS determined that I needed to pay back a lump sum. After a challenge to that decision, SLS again informed me that a lump sum payment was required. 

So in order to not be late on my mortgage, I paid the lump sum payment. However, after I made the lump sum payment, SLS marked my XX/XX/2020 payment as over 90 days late. 

CREDIT SCORES WERE NOT TO BE NEGATIVELY IMPACTED FOR MORTGAGES DUING COVID AS PER THE CARES ACT. 

We were not 90 days late on our mortgage payement, we were in forbearance. After multiple emails and phone calls, SLS has still not recognized this or made any adjustments to my credit report, which is now negatively affecting my ability to obtain credit in the future. 

They also have a very poor customer service that responds to all messages but never with anything definitive that makes a bad situation even worse. We are both senior citizens and we are grossly being taken advantage of by this company who has no concern for their customers other than to simply collect payments.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Unable to request temporary unfreeze in my online Equifax account : " ... unable to retrieve status of security freeze ... '' Customer service states that the system may be updating. This occurred at XXXX XXXX, middle of business day for over 1hour and counting.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Consumer complaint received 2022-06-11
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. (OH)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions. 
XXXX # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX  {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed
Consumer complaint received 2021-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (KS)

Called Sallie Mae on XX/XX/XXXX to inform them they did the 1098-E incorrectly. They submitted it with XXXX XXXX 's information who is the co-signer and who is also deceased. However, she paid {$0.00} during the entire life of the four loans. I paid every cent in XXXX and the 1098-E needs to be redone with my information. The customer service rep told me that was impossible and was super rude and would not let me even talk cause I was not allowed to access my account. Also, I can not access my account online either.
Consumer complaint received 2019-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2019 XXXX initiated a unauthorized {$1900.00} withdraw from my XXXX checking acct. 
I called my bank ( XXXX ) to dispute who files a dispute and told me to contact XXXX also to dispute with them. I called XXXX customer service XX/XX/2019 at XXXX XXXX   who confirmed I do not have a XXXX   acct linked to that acct and told be they can not investigate it for fraud and to contact my bank. I find it to be unacceptable that they will not acknowledge the dispute and washed there hands with it advising me to contact my bank.
Consumer complaint received 2021-12-06
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. (MS)

XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL SOLUTION BIZ LLC. (KY)

went to a vet near old residence after moving 1.5 hours away from XXXX. Our last medical interaction did not result in full payment for whatever reason. We were clients for 10+ years there and they new we moved and did not update our address in their system. Flash forward to XX/XX/year>, start getting weird phone calls asking to speak to me about, " a personal business matter '' but would not tell me what it was in regards to. I eventually blocked the number. 
Flash forward to XX/XX/year>, I receive a letter from " XXXX '' stating I owed XXXX dollars to the XXXX XXXX and I had no idea we owed money. I tried to settle with the animal hospital once I found out about the reason, asked for a reduced fee for the mixup. They told me to deal with XXXX I clicked on thier website, created a password and paid it. 
Now a new company is calling me, GlobalSolutions Biz and asking for the same bill to be paid AGAIN. They keep saying one time it is settled, another it is not, the vet hospital will not work to zero out the balance. 
I disputed my charge initially with XXXXXXXX XXXX after researching this recurence of the issue, because I thought I had been scammed. The company, XXXX does not exist any longer ( and the vet did not know this at the time I contacted them after this last encounter w the new collection company ). 
The bank determined the charge is ok, as they did not return the money to my account after they investigated it. I do not have a receipt of payment outside of the evidence from my bank for the charge, but the company listed who received the money does not even match XXXX XXXX. 
No one from the new place calls with updates and every time I call it is a different story. Today they told me the fees are going up to XXXX dollars from XXXX. He said they have contacted my siblings and dad. This is harassment and I have spent hours of my time on something that is not even a problem. 
Additionally, I am getting emails about debt resolution, so I believe my information has been shared. 

I have the paperwork from XXXX and a screenshot from the bank and paperwork about the disputed charge upon request.
Consumer complaint received 2022-06-11
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. (OH)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions. 
XXXX  # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX  # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed
Consumer complaint received 2021-12-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points on XXXX XXXX but showing XXXX on Equifax website.I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a 24 hour period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that. I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report, Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX XXXX would like XXXX XXXX removed from my credit report it should not be reporting multiple times my credit score decreased. I want my credit score back to where it was it was at a XXXX was my credit score and now my credit score is decreased tremendously by Equifax reporting the same fraudulent activity again on my credit report with XXXX XXXX that is showing on my credit Report as a update and then once it was removed it appears back on my credit report and had drop my credit score by XXXX point after reporting The same fraudulent activity on my credit report again.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (GA)

I have been sending letters and reporting constantly for almost an year now and this problem has not gotten fixed, XXXX XXXX XXXX is reporting on my credit profile and all information is inaccurate even with the very first letter i received from them their information is and was inaccurate and inaccurate information reported on the credit profile should be removed immediately and not replaced back on the credit profile. 

XXXX XXXX XXXX purchased debt from XXXX XXXX XXXX XXXX, A debt that has been reported to the IRS As a complete CHARGE-OFF, i was allowed out of my lease due to harmful mold as i have all emails to prove that statement and it will be attached to this complaint, I demand XXXX XXXX XXXX To be removed from my credit report Immediately and not be placed back as they are violating several consumer laws as i stated. i have already sent letters to validate and all came back inaccurate and not within the 30 day i had given credit bureau please remove NOW.