davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (FL)

today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX  Inquieries.
Consumer complaint received 2022-02-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my Equifax, and XXXX report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and Equifax. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against Equifax and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and Equifax concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the Equifax side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX XXXX 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or Equifax. Instead I just keep getting generic computer generated responses.
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2006 I obtain a mortgage from at the current time was Wachovia Bank and is now Wells Fargo after I was qualified from the state of XXXX XXXX to purchase this townhouse at an affordable rate which was {$77000.00} and the fare market value at that time it was {$260000.00} and was built new for me. 
I have the reason to believe that I was discriminated against because of my XXXX  etc.I am an XXXX XXXX. 
The interest rate that I was giving and still have is 7.000 % at the time in XXXX  I had an average credit score from at-least 2 major credit reporting agency of XXXX. 
I did the short math and at the 30 years of mortgage goes the full term I would then have paid {$230000.00} for a {$77000.00} loan. 
Its seem to me thats something is wrong with that scenario, its seem to be very unfair. 
I contacted Wells Fargo like 2 years ago and made a complaint, Wells Fargo did there investigation and there results claimed that the reason for the high interest rate was because I had only a XXXX credit score at that time, and that is untrue.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: N26 Inc. (GA)

I applied for an account with the online financial service N26 on XX/XX/2021. They took all my information including my social security number and images of my drivers license to verify my identity and then gave me a message in their app saying they needed to speak with me through their customer service for security purposes. I called the number they gave me, gave them my personal information again, as was told we can not open an account for you at this time. When I asked what the problem was they said, and I kid you not, We cant tell you. What? How is that legal? Im not bothered that I cant open an account, Ill open one with a different online bank ( I interested in changing from my current account at XXXX to one of the new online banks that dont charge any fees ) but I am very bothered by the fact that they have my information but wont share what is causing them to deny my request to open an account. After a bit of searching online I found an entire thread of people complaining about the exact same issue. If N26 is going to operate here in the U. S. it seems to me that they should have to explain what criteria or issue it is that prevents them from opening an account. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION HAS AN ACCOUNT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE, DO NOT SELL, REPORT, TRANSFER OR RE-POST. SEND VALIDATION OR ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE COLLECTIONS COMPANY
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (MT)

We had an account with Barclays Bank Delaware for 4 months ... without knowing it. No card showed up, no paperwork.. absolutely nothing. We looked into buying a house thinking our credit score was almost perfect to find out this company, Barclays Bank Delaware had reported a late payment. But like I stated earlier, we received no communication from them. Not even a bill. Our credit score has gone down 200 points in a few months. We pay all our bills on time. And after finding out about the account, we called the same day and resolved it ( paid the bill and paid the extra charges that were wrongfully charged ). That only happened because we waited hours on the phone. We waited yet again to completely close the account. But they say the only way to remove this from our credit score it to call XXXX Credit Bureau and give them our account information. What information do we have? Nothing. No card number. No account number. Barclays Bank Delaware will not give any of our own account information to us. And yet our day to day lives are effected. If you search the Barclays Bank Delaware online. There is over 500 complaints about the same thing. This company hid behind XXXX to give us a deal when we rented a car.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

I opened an account with CoinBase in XXXX of XXXX. I then funded this account with more than {$100000.00} in XXXX of XXXX. On XX/XX/XXXX, I asked CoinBase to lock my account as I had been phished. On about XX/XX/XXXX I asked CoinBase to help me unlock my account so that I could access my funds. 

As of XX/XX/XXXX I have submitted approximately 10 support tickets and submitted approximately 30 e-mails under these support tickets requesting that CoinBase help me get back into my account or to liquidate my account and return the money to my bank account that they have on file. 

To date I have not received any meaningful response from anyone at CoinBase. In addition to this I sent 3 registered letters to the CoinBase CEO, COO and CLO asking them to help me to get back into my account or to liquidate my account and return it to my bank account that is on file. I have got NO response from anyone.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX  Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 instruction.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX /File # 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 2024-02-12
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. LVNV Funding wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. LVNV Funding also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting LVNV Funding delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MD)

I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.
Consumer complaint received 2022-07-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is " XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

We sold a lop top computer on XXXX  and payment was made through PayPal. The funds should have been available immediately, but PayPal would not release the funds and instructed us to ship the item ( {$1200.00} value ) to the buyer. 

The item was shipped, received, and positive feedback left by the buyer. PayPal would still not release the funds, would communicate through only through text and would not allow a phone call, hanging up each time an attempt was made to contact them via phone. 

After 30 days had passed, we reached PayPal by calling from a different account, and we were able o reach them. After over an hour of explaining the issue and arguing with PayPal staff - they agreed to release the funds. 

However, when we attempted to transfer the funds to our bank account, PayPal claimed there was a " problem '' with the account and STILL is holding the funds. This computer was sold so college tuition can be paid, and PayPal is illegally restricting access and and is discriminating against a customer.
Consumer complaint received 2019-06-17
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. (GA)

These company is reporting fraudulent, unauthorized, unverified accounts on my credit report. 

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX 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 OF XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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
Consumer complaint received 2022-07-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is XXXX XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (NY)

I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.
Consumer complaint received 2022-07-06
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. (CA)

I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX  account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA