davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (CA)

On XXXXXXXX  I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00}
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

I have been trying to postpone my sale date with PennyMac. First I was told my file was complete, then I was told it wasn't. Every time I tried to fax them something, it would take hours for the fax to go through, and I finally had to get their foreclosing attorney 's help in getting the package to them. I have complied with everything, but they continue to move the goal post, and I can not afford to reinstate. My hardship was that my fiance` and I parted ways, causing a disruption in my finances, a loss of income. I made the necessary adjustments in my life before I applied for the loan modification, as I am not confident I can support the mortgage on my own. One representative will tell me one thing, another representative will tell me another. I am in a panic. I have sent them a complete file. I obtained a Quitclaim Deed, then they wanted proof of hardship. I said the fact that he's not longer in the home and the Deed should be evidence of my loss of income. I was then told to send a bill that was in his name, that had to be switched to my name thereafter. I did so, and was told that wasn't enough. Please help! I am desperate!
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavourable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (CA)

i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )
Consumer complaint received 2019-10-04
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. (OR)

My XXXX XXXX XXXX ( credit card ) account was charged off years ago before I understood credit. I contacted XXXX XXXX recently and created new payment arrangements I think back in XXXX of 2019. I have not been late on any payments since then. Despite my on time payments from XXXX to present, the credit bureaus continue to report the payments as late.
Consumer complaint received 2023-03-21
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. (NJ)

It all started in XXXXXXXX XXXX XXXX  when we were notified that our then loan service provider XXXX XXXX services was transferring us to XXXX XXXX an that there would be no reporting to the credit bureaus for 60 days. In XXXX of 2022 XXXX XXXX started reporting to the credit bureaus on XX/XX/XXXX my credit score dropped by XXXX I went to see why an found that Equifax had reported the account was closed. 
I contacted XXXX XXXX an Equifax. XXXX XXXX had assured us that they were reporting it as open an current XXXX an XXXX XXXX had it also open and current. Ive filed 6 disputes with Equifax an the results come back the same they have the account still showing transferred/sold with no balance owed but current. My wife is also on the loan an has been affected credit wise. I thank you in advance for your help on this matter. 

All the best!
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Credit and Compensation Dear Citi, I am writing to address a concerning discrepancy regarding my Citi XXXX XXXX AAdvantage Platinum Select credit card account, held under the name XXXX XXXX XXXX, with the last XXXX digits of the card being XXXX. On XX/XX/2024, I opened a credit card and your company stated that I would receive a {$200.00} credit as part of a promotion. However, despite this assurance, the credit was not reflected on my latest statement.

This discrepancy has caused me significant inconvenience and frustration. As a loyal customer, I expect transparency and integrity in all interactions with your company. False advertising and failure to fulfill promised benefits constitute unacceptable business practices, which not only erode trust but also demonstrate a lack of respect for your customers ' time and resources.

To rectify this situation, I demand the immediate issuance of the {$200.00} credit as promised. Additionally, I expect appropriate compensation for the time and effort expended in pursuing resolution to this matter. Enclosed with this letter is a screenshot clearly demonstrating the communication in question, as evidence of the false representation made by your company.

Please address this matter with urgency and provide confirmation of the credit and compensation immediately. Failure to do so may result in further action, including but not limited to, lodging a formal complaint with the XXXX XXXX XXXX and seeking legal recourse to ensure appropriate redress for the inconvenience and breach of trust caused by this incident.

I trust that you will take swift and decisive action to resolve this matter and restore confidence in your company 's commitment to customer satisfaction. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Over 4 years ago I first received a phone call from this company claiming I owed them debt I said do not call me again all Communications need to be done through the mail you need to provide verification of the debt owed and any proof that I have signed any form of contract with you. I have never received anything via the mail. I have received phone calls as early as XXXX XXXX to XXXX XXXX. all 7 days of the week from over 150 different phone numbers in the last 4 years. They attached to my credit for years ago they removed themselves from my credit then they reattached to my credit to keep the debt valid. I have told them over a hundred times on the phone that all Communications need to be done through the mail and a letter of verification of debt owed plus evidence like a signed contract stating that I agreed to pay them for any assumed debt. I have yet to receive anything in the mail and yet I have received probably 2,000 phone calls in the last 4 years if not more.
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
This is just the last like 8 days, some weeks I have received over 50 calls from them. They are downright abusive.
Consumer complaint received 2019-05-10
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. (OH)

I contacted XXXX XXXX XXXX regarding an old auto loan that I paid off back in XXXX. While reviewing my credit score, I noticed XXXX XXXX XXXX noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with Experian ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from XXXX XXXX XXXX as well as a letter disputing the information reported. Experian not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. Experian said the only thing I could do was keep filing disputes. 

I contacted XXXX XXXX XXXX regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against Experian for failing to investigate this properly especially with them allowing XXXX XXXX XXXX to change the charge off date by 5 years. I would like to file a complaint against XXXX XXXX XXXX as well.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

To Whom It May Concern : After changing " Bill Pay '' with my financial institution I received another form letter from XXXX XXXX Senior V.P. Wells Fargo Home Lending raising again my mortgage from {$1500.00} to {$2000.00} due XX/XX/2019 Perhaps if to those to whom she delegated would resolve matter explained to them and advised to contact XXXX XXXX XXXX County Auditor 's Office @ XXXX XXXX for further info First, one amount then followed up with higher amount! Wells Fargo does not have its clients in mind other problems I have had with their Dealer Services. 
Please be advise other complaint on file sorry for any inconvenience. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc. (MN)

This third party collection agency reporting this debt to credit bureaus, and incurring interest claiming that if I dont pay them it prevents me from borrowing money from other lenders, and competing in the global economy which is extortion and racketeering and has rendered me to being XXXX with no way to climb out of this debt, and failed to provide me with the legal statues proving that they can legally charge interest on a medical debt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX account # XXXX ; Original 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 an account without my written instructions.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (WY)

please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX my friend sent me XXXX $ worth of bitcoins on my coinbase wallet. I tried to reset my password on coinbase account since I have not used it in a long time, when I did It logged me out from all the devices and now they have this 2F security system which sends you the code on your phone and everytime it does that it sends me the wrong code! it never recognizes the code it sends me and it says " error invalid '' everytime. I tried to reach out to coinbase by Email, live chat, phone and all the social media and I am not getting any response. I want to unlock my account and send my money to my bank account and be done with COINBASE! they are scam website!!! 

Please help Thanks in advance
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 US SM BUS ADMIN ODA 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
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then XXXX.
Consumer complaint received 2019-05-10
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. (CA)

two car loans are reporting under my name that are not even mine, i keep disputing these two accounts from equifax but for some reason these are not getting off of my report. these do not belong to me i have already submitted my dispute and police report to all the bureaus, XXXX  and XXXX are taken off but equifax is very much pain and not helpful at all. please i need your help as a consumer i need your help to have these two inaccurate  accounts removed from my equifax credit, please find attached my documents thank you