davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (IN)

GENERAL REVENUE CORP IS IN DIRECT VIOLATION OF THE FOLLOWING : Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 15 USC 1692f 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 15 USC 1692g 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

15 USC 1692h 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

recently review my credit file and noticed an error. Bankruptcy reporting requested method of verification from all three major credit bureaus and validation. the sent me a copy of the report stating that XXXX XXXX is the provider of this information. All third party credit providers can only have the last four numbers of a social security number and that is no sufficient proof for validation. I also have my public records information suppressed with XXXX XXXX and this information can not be shared. so, how are the credit bureaus verifying this informatioin
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Consumer complaint received 2019-04-23
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. (ND)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-10-17
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: JPMORGAN CHASE & CO. (GA)

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all XXXX credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX )
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MI)

I was a customer of Simple, backed by BBVA. BBVA decided to close simple and was supposed to migrate accounts on XXXX. To say they were wholly unprepared is an understatement. Accounts are frozen, it has been 3 days with no access to online or mobile accounts. I can not get in to see my account balance. XXXX users are also saying BBVA refuses to waive fees for transferring money away. There is no transparency, no one is answering the support line ( in fact it just hangs up on us ). I have tried 7x ( different support numbers ) and gotten nowhere.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus
Consumer complaint received 2020-11-09
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. (CT)

XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus
Consumer complaint received 2022-10-26
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)

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CT)

Honda Financial is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges Honda financial assessed. We own the vehicle in full with a lien release. 

Yet Honda financial refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. Honda also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked Honda financial to update the Information being sent to three credit bureaus
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (CA)

We began with, XX/XX/XXXX, US BANK in XXXX XXXX CA to complete a refinance ( advertised loan at 3.5 % and no fees loan amount at {$1900.00} a month ) of our home mortgage, since our mortgage with XXXX increased to {$2800.00} a month formerly of XXXX XXXX XXXX who assigned/sold our original loan for processing to XXXX XXXX, w/o our consent. Finally, in XX/XX/XXXX, loan processed and our mortgage note on a monthly Basis became {$3200.00}. We have contested this, but to no avail ; they refused to lower the note as previously agreed toGFE ( Good Faith Estimate ), XX/XX/XXXX, loan amount of {$420.00}, XXXX @ {$2100.00}, 4.375 % 30 year fixed monthly mortgage note. We do n't understand how they can ad additional charges to our loan and expect that we pay this amount on a monthly basis for 30 yrs. How can we get US Bank to honor their commitment to us at the Original GFE proposed to us. This is not everything, but basically this the problem and we have met with the loan officer as well as Bank Mgr. of the XXXX XXXX branch asking that they work with us but they have refused to meet with us once again and/or reconsider our request to refinance at a lower mortgage. Please Help, as consumers Banks ca n't be allowed to deceive and/or provide documents at their discretion to arbitrarily disguise or changed the terms of a loan. 
XXXX XXXX
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Good Day to you HELP Reference for family protection & support : Coinbase XXXX XXXX  XXXX # XXXX, XXXX XXXX, CA XXXX Coinbase, Inc. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Well you have to be XX/XX/XXXX before you can be smart! I feel XX/XX/XXXX 
Got scammed from a 3rd party acting as a coinbase customer service XXXX XXXX XXXX XXXX XX/XX/2020 was the date of occurrence ) and remotely trick us out of all our Cryptocurrency acting as coinbase and remotely stole Over ( {$11000.00} US Dollars ) Not even a wear of programs that can allow others to access your account acting as coinbase. How are we to know and over 1.5 years never any communication of security breaches, compromises and scams to be a wear of, be wear updates and protection. Not being able to speak directly with coinbase, no live chat. unknowing and with out any warning the ability to communicate was taken away. 
Countless amount of attempts to contact in any and all means. 
Complete compromise. Knowing this I would at least had a decision to cease or continue to do business. 
No protective measures in place, no customer service, no live chat, taking responsibility and or the notification of the deletion of phone support which was once in place. Customer service are key in financial matters. 
Thank you for your time and any assistance for our family would be grateful. It was a lot of money and needless to say no sleep as late. 
XX/XX/2020 was the date of occurrence XXXX, XXXX XXXX XXXX ) XXXX XXXX : /XX/XX/XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX -- -- - Forwarded Message -- -- - From : XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; Thank you for your interest. XXXX Sent : XX/XX/XXXX XX/XX/2020, XXXX XXXX  PST Subject : Scammed XXXX  acting as coinbase
Consumer complaint received 2019-04-23
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: EQUIFAX, INC. (ND)

Equifax and XXXX   are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2020-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2020, I sent in a complaint, now closed, # XXXX. I complained that after sending an FTC identity theft claim with accompanying documentation to TransUnion, I had not seen any sign that they were taking the appropriate measures as required under FCRA 605 ( b ). They responded to the complaint with their usual rhetoric about performing an investigation, etc. and let me know in 30 days. This timeline violates the timing requirement of the FCRA. In any case, just yesterday, XX/XX/2020, I received a letter from TransUnion dated XX/XX/2020, outright dismissing my FTC fraud complaint, without doing any investigation, and determining for themselves that I had committed fraud by filing said report and they would not do a thing to look into the allegations! As far as I know, they have NEVER done an investigation into an account that I have disputed, and they are the only one of the three credit agencies to not put a block on the accounts listed AS IS THEIR OBLIGATION under the FCRA. I did not see any portion of the FCRA that states that companies may use their own discretion after receiving a fraud complaint. I have attached a copy of the said letter here, and I have also forwarded one to my attorney. I'm completely shocked and outraged that TransUnion believes they have the right to do whatever they want with my credit score.
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I finally received my XXXX XXXX card with my funds on it after waiting weeks when I did my money was on there but after like 3 days boa took my money leaving me in the negative balance everything I certify for has been taken I spoke with edd they said it was no fraud on my behalf so why has the bank taken my money no time frame of when it would be fixed I'm extremely discouraged and don't know what to do.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows cap one af XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Mercedes Benz Financial Services (GA)

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/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 2019-04-23
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: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX Credit Card was lost/stolen. I reported it immediately & was told that they had closed this particular card. I was told the amount charged that I was not liable for & would not be reported on my credit. However, XXXX  is still reporting this fraud charge on my credit report. I spoke with XXXX XXXX & was told that the amount in question was not on my account. XXXX needs to re-investigate and clear this up on my credit report.
Consumer complaint received 2018-04-23
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: OpenRoad Lending (CA)

Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NJ)

I am a victim.of identity theft, victim of scam and catfish. I have a page called Truly Crimes if you need more evidence. I have tried to contact the Experian beauru but they arent taking full actions of this. I never lived anywhere but in New Jersey my entire life. I see its in other states my information and no actions are being handled about it. Even my name is wrong, I was going by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ssn ), XXXX XXXX, XXXX XXXX. No other names but yet I see other names in Experian. Idk if other beaurus are the same way but I am not going to fall to blame for someone elses mishaps but my own. I would kindly like this taken care of. I dont like in Florida XXXX Oklahoma XXXX ILLINOIS, Georgia, PA, XXXX or IL. Again. I LIVED in New Jersey my entire life. I already filed this already but no actions are taken. Im ready to process a lawsuit if this isnt handled by any beaurus.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.
Consumer complaint received 2020-11-09
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. (OH)

I have requested method of verification of " late payments '' of the account XXXX  # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Consumer complaint received 2020-11-09
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. (OH)

I have requested method of verification of " late payments '' of the account XXXX  # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.
Consumer complaint received 2018-01-28
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)

XXXX credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.