davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on EQUIFAX, XXXX AND XXXX XXXX reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Consumer complaint received 2024-03-04
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. (GA)

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
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: GREAT LAKES (MI)

I have been making payments on my student loan and it has been reported I'm 3 months behind I haven't made mid payments at all for the last 4yrs now they want to find me in default
Consumer complaint received 2018-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Protas, Spivok & Collins. LLC (VA)

On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. 

My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.
Consumer complaint received 2022-05-02
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. (GA)

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( Experian, XXXX, XXXX ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX  XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX CT , XXXX XXXX , IN XXXX
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AL)

My personal information was compromised in the 2017 Equifax hack. I have signed up for the class action law suit. That suit is still in litigation, undetermied resolution date.Over the past 6 weeks, I have been getting indications that unknown person ( s ) are using my personal information for their purposes. Examples : ( 1 ) Accounts opened up with a money transfer company named XXXX. ( 2 ) Application for unemployment benefits initiated using my personal information. I have been retired for 14 years. And quite a few more. I feel that I need credit monitoring services right now. I called Equifax and they referred me to their hack phone number ( XXXX ). The line is totally automated and useless to me. I feel that Equifax should give me free credit monitoring service immediately and for an unlimited duration.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my EXPERIAN file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Earlier this year, I had invested in the " XXXX XXXX '' XXXX, acquiring XXXX tokens in total. On the XX/XX/2018 I decided to withdraw these tokens, and sent them to my crypto wallet at " Coinbase.com ''. After waiting several hours and not seeing the transaction appear in my Coinbase account despite it being visible as completed on XXXX, I contacted Coinbase at which point they advised me that they in fact do not accept that form of token, were unwilling to return my transaction and that I should consider it lost. I went on to request that my issue be escalated which it was, and I received one more email stating the same as the previous. 
Since then they will not respond to my communications. I believe that this is a case of theft, regardless of how they try to hide it behind the guise of technological issues. They have access to my funds, which at the time were equivalent to somewhere between {$3000.00} - {$4000.00} and refuse to either credit them to my account or return the transaction to it's original location, something that in any financial institution would have been done automatically by appropriate mechanisms.
Consumer complaint received 2020-12-13
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. (UT)

XXXX XXXX XXXX has taken my case against Citibank and I am requesting statements from XXXX to XXXX from Best Buy and Citi Costco. I need to have copies for my records. As this account had fraudulent balances that were never resolved by Citibank. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

This is my second complaint after i submitted the first the company has called me one time they have taken the first account manager that was helping me and stuck me with a lady whos ben on vacation longer than wat she has helped same thing she told me 2 submitt papers for loan modification never heard from her i call her XXXX XXXX never in so i call her supervisor XXXX always in meeting then i call XXXX XXXX supervisor never in no return calls i get a hold of XXXX about 2 weeks later for her to say paper she didnt get thats her famous line but she never calls to inform me of any information that they need she is in fact a XXXX she is always yelling rudely i asked for payoff she tells me to fill out papers then itll take 7 days to let me know because they dont send out monthly statement which clearly is a lie because i have one in front of me she stated that they sent out a statement to bring loan current pay this amount so i tried they would not excpect but she stated we have not tried to pay clearly lying run around run around
Consumer complaint received 2021-03-31
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. (IL)

I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

There were two transactions on XX/XX/XXXX that were noted on my account as pending. When i checked the app even after XXXXXXXX XXXX onXX/XX/XXXX they were still listed as pending. Those 2 charges that were not recurring charges. I do not have overdraft protection. Which i was told on XX/XX/XXXX that they would only pay an item if it is a recurring charge and the others wpuld be rejected. as all of the phone calls are recorded. Chase bank never gave me an option to be able to cover the charge as it was still a pending transaction and not posted. Which they had the option to reject it but they did not instead found a way to charge me an overdraft. One transaction for. XXXX mobile was actually charged to my card on XX/XX/XXXX and was not posted until XX/XX/XXXX. And when i made the charge i had the money in my account. But it did not post until XX/XX/XXXX. But they changed the system on XX/XX/XXXX and said it posted on XX/XX/XXXX. They are illegally taking an overdraft fee for two charges by changing the dates around in their system and falsely saying an item was paid on time. The XXXX XXXX XXXX   charge was scheduled to be paid on the XX/XX/XXXX but was not paid to XXXX XXXX XXXX. They are illegally and falsely charging me and overdraft when they didnt pay on the date the sysytem is saying it paid.which was changed on the XX/XX/XXXX to seem as if they rightfully chargeed me and overdraft fee. On the XX/XX/XXXX all my charges were pending. And on XX/XX/XXXX the system says it was taken out on the XX/XX/XXXX. They are refusing to return my overdraft fees.
Consumer complaint received 2021-12-04
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. (KY)

the XXXX XXXX XXXX XXXX would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
Consumer complaint received 2022-05-02
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. (GA)

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, XXXX, Equifax ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield and Associates, Inc., a national debt collector, is attempting to collect on a debt that i have no knowledge of. I never did business with this creditor, XXXX XXXX and, therefore, no account or contract exists to be sent forcollections. The alleged debt is about {$3000.00}. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Consumer complaint received 2021-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. I have sent Experian numerous FTC reports regarding this alleged account, and they continue to not block the account because of their internal policies. Experian has reinvestigated this account and verified this account is reporting accurately over 8 times. This account is not reporting accurately due to the fact it is a charge off reportin a past due balance every month. This account is no longer being collected on. If Experian has verified this account as reporting accurately over 8 times, why is it INACCURATELY reporting on my consumer report. My right is for my credit report to be accurate. DELETE this account immediately from my consumer report.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00}
Consumer complaint received 2022-06-09
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. (AR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX 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
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Strategic Alliances, Inc. (GA)

First Financial Investment Fund V sued me without properly notifying, the only way I am hearing about this lawsuit is through a Bankruptcy attorney advertisement letter. 
15 U.S. Code 1692g ( d ) LEGAL PLEADINGS A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

The Fifth Amendment of the U.S. Constitution contains a Due Process clause that states : No person shall be deprived of life, liberty, or property, without due process of law ; This law expressly prohibits courts from exercising personal jurisdiction over a defendant unless a defendant receives sufficient notice of the legal proceedings. Improper service violates the rules of civil procedure for Rule 4.
Consumer complaint received 2018-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MD)

NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.