davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Need to reference this close XXXX # XXXX Coinbase has come back on XXXX and stated they admitted fault. They then said they were able to make a one time payout on this date which at this time the value of my loss was around approximately XXXX. This is due to them picking an arbitrary date. Since they returned amount of shares, why didn't they return on the date of loss which they're again admitting their fault. I believe I am entitled to that days value. 

Thanks, XXXX XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MD)

Debt Recovery put a debt on my credit without written notification to me a few weeks ago. i contacted you guys and demand proof of debt from them which they mailed to me and I received today. Firstly, their proof of debt is in the form of a statement from the Physicians. They have not provided me anything with a signature. Any proof that I was at this place they claim I owe. Secondly, the statement they sent to me states {$0.00} balance. Thirdly, the address on the statement does not match my address or anywhere I lived. I will be looking for an attorney to represent m against Debt Recovery Solutions and I will contact MD Attorney General 's office. Cause if this was the case, I can print out 100 statements to 100 people and claim they owe me money as well. Bad enough the amount owed says {$0.00}. I will attach a copy for your perusal.Then I called Debt Recovery and the rep had the nerve to ask e for my SSN and when I declined sh said she can not speak on account. Why would i be XXXX enough to give apparent dubious characters my social security number?
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

XXXX XXXX Opened on XX/XX/2022 in the amount of {$400.00}. I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Consumer complaint received 2023-07-25
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I received several alerts on XX/XX/2020 about a new collection account being added to my credit reports from MRS Associates for a XXXX  account. I am not familiar with this debt and never received any letters in the mail in regards to this debt. It is my understanding that I should have received a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor. I did not receive any such letters. 

I called MRS Associates on XX/XX/2020 and spoke to XXXX. I expressed my concern with the fact that my rights had been violated due to them not providing a notice of debt or right to dispute letter in regards to this account. XXXX said they tried contacting me and had sent an email. I triple checked my emails on XX/XX/2020 and XX/XX/2020 and had no such emails. I asked if after sending those emails, they had mailed a letter to the address on file within 5 days of that communication with the notice of debt and right to dispute as they are mandated by FDCPA. XXXX advised that they did not have to physically mail a letter. I asked XXXX if the alleged email she is saying they sent contained a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor and she stated she was not sure but said it " should have '' included the information. 

I proceeded to inform XXXX that they had violated my rights in not sending the notice of debt and right to dispute and they needed to remove the collection from my credit report, send me the appropriate notices and allow me my right to request full validation. XXXX said she was not a lawyer and did not need to know the laws and that they would not be removing this from my credit reports. I asked that she remove me from emails or any other communication other than US Postal mail and she said they could contact me in any way they saw fit. I asked XXXX to send a record of all former communication and she said they could sent it but I would still receive correspondences by email only even though I specifically requested to only be contacted my US postal mail. This company has failed to follow initial steps required to place a collection on a consumer 's credit report and have violated my rights under the FDCPA.
Consumer complaint received 2018-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (IL)

On XX/XX/XXXX ( XXXX XXXX  PST ), I sent money to XXXX through the mobile app " XOOM ''. I sent XXXX USD. The money had to be picked up on a XXXX store ; However, when my relative ( receptor ) went to get the money, a XXXX employee told her that there was an error on her transaction, and she would not be able to get the money until the following day. Nevertheless, on XX/XX/XXXX at XXXX, I received and email from Xoom saying that the money was been picked up, and it was not. After I knew that there was a problem with the transaction, I called immediately to the Xoom customer service to find out what actually happened. They told me that they had to contact to their " partner '' which does the transactions in XXXX. On the second phone call, they confirmed that my relative did not get the money, and they argued that the problem would be solve soon. My money was taken from my bank account even when they knew that the transaction was not successfully. I called them several times, almost every day, and they kept argued that they were waiting an answer from their " partner ''. Since I did not get any concrete answer on the phone, I decided sent another complain through their website on XX/XX/XXXX. On every phone call I made they said that they would contact me as soon they get a solution for my case, and I still do not have an answer about when I will get my money back.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

XXXX I Got An Alert From XXXX And Paypal Both Alerting Me There Was A Failed Transaction Of {$130.00}. I Called The Non-Emergency Police Line Instantly, And They Told Me To Make A Report Here.
Consumer complaint received 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

For many years after I completed school and entered my profession ( XXXX XXXX XXXXXXXX ), I called Nelnet faithfully every year. Every time I called, I explained that I am wanting to complete my XXXX years in order to fill out the application for the XXXX  Loan Forgiveness. I asked if I was doing everything correctly and if I needed to do anything else. Every year I was told I was on the right path until XXXX. The representative advised me that I could do a loan consolidation. I reiterated that I wanted to do the Teacher Loan Forgiveness and did not want to do anything to jeopardize that. She advised me that the consolidation loan would not hurt me in any way. When I completed year five and filled out the application, I was denied!!! After many many attempts to receive an answer that made sense, a manager explained to me that within that loan I combined two different types of loans ( subsidized and unsubsidized ). One of which can not go under the XXXX  Loan Forgiveness. For this reason, it is all denied!!! I was devastated to say the least. I spent many years ensuring that I was doing the right thing for someone who did not know what they were talking about to mislead me!! I was told " There is nothing we can do. '' They advised me that they can see that I called every year!!
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

I wish I could select multiple options under " dealing with my lender or servicer. '' I contacted Navient due to my payment increasing by double without notice. During this conversation that took three hours, I was transferred between customer service and collections multiple times, as well as the call being ended by the representative 5 times during transfer. I asked to speak to a manager, a woman got on the line and spoke with me and then transferred me again. I was instructed by the next individual that the former representative I spoke with was in fact not a manager. This individual, who also identified himself as a manager, attempted to provide me with an explanation that did not make sense based off the explanation of my plan and the payment expected, attempting to confuse, mislead and misrepresent that numbers I was charged monthly and what payment program I was in. I inquired about ALL of Navient 's repayment plans, the individual stated that he would not discuss any of the other options because he would not allow me to enter into another program, based off his discretion. When explaining to him that we were seeking information from him in the customer service department the individual again reiterated that he would not even discuss any options because he had already decided he would not allow me to move to any of the programs offered. He also attempted to scold me for asking for these options. Navient continues to exhibit the same behaviors alleged by the CFPB in their lawsuit and their employees continue show a lack of education about their product and block borrowers attempting to gain information about all of their programs.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc. (AR)

I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both XXXX and Experian still show the debt. I would like it removed.
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (TX)

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2018 I checked the account I had with Capitol One Quicksilver Visa credit card and found that I had an overdue account and was being charged {$25.00} passed due fee and my card had been placed on reserve and could not be used. I knew that was an error because I had set up an auto pay account on my checking account and it had been used to pay the balance due for XX/XX/2018. When I called the customer service telephone number listed on my credit card I gave all of my information to the service rep he put me on hold while he checked my account. When he came back on the line he refused to address my over due status and demanded a copy of my drivers license and my social security card because there were issues regarding my credit card. I refused to comply and hung up my phone. I then went on line and immediately paid all of their demands from my checking account which they had access to previously. I feel that I have been cheated out of the over due fee as well as the {$150.00} reward I was promised when I took out the card.
Consumer complaint received 2018-11-22
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 was a victim of identity theft in XX/XX/XXXX. My issue was investigated by law enforcement, and was found to be identity theft/fraud. The person responsible for this fraud is currently incarcerated. I have submitted my police report, and findings to XXXX.   XXXX continues to report XXXX XXXX XXXX, and XXXX XXXX XXXX on my credit report even though these accounts do not belong to me. These accounts are fraudulent accounts that XXXX continues to update on my credit profile. XXXX also continues to report addresses that I have never resided at. I have never resided at

XXXX XXXX XXXX XXXX Texas XXXX, nor have I ever resided at XXXX XXXX XXXX XXXX XXXX Texas XXXX.

Equifax continues to report XXXX XXXX XXXX XXXX Texas XXXX as my previous address even though this is the address to the Texas Department of Family and Protective Services. I have never resided at this address. Equifax also continues to report XXXX XXXX XXXX as an account that belongs to me. This is a fraudulent account that not belong to me. XXXX XXXX XXXX previously reported this account as being charged off in XX/XX/XXXX, but recently updated and reported on XX/XX/2018 this account as being current and delinquent. XXXX XXXX XXXX has updated this account multiple times with different balances, dates, and outcomes. This account is fraudulent and does not belong to me.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EQUIFAX, INC. (AR)

I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both Equifax and XXXX still show the debt. I would like it removed.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Hi About 2 months ago ( XXXX ) I received an email from a company representative at PennyMac requesting additional information in regards to a loan that had already closed months ago. The email requested additional information regarding my tax. 



That email was sent insecurely and my private tax document ( XXXX ) was attached to that email without any kind of protection. There was no password or encryption on the tax document. My private data was exposed to an insecure web email ( XXXX ). 



The company has violated my privacy and has exposed me to years of possible identity theft and many other criminal activities. 



I have tried for over 2 months to get the company to accept responsibility and provide me with compensation and identity monitoring. The company has refused to acknowledge this incident has occurred and has no plans to remedy this situation.
Consumer complaint received 2018-11-22
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: General Motors Financial Company, Inc. (CA)

XXXX has been non-compliant with removing the unverified account GM FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GM FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-07-12
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: The Bureaus, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-07-25
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. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-11-22
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. (VA)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.