davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (IA)

I paid the debt that I owed to collections for Eastern Account System on XX/XX/2024. After failing to update information to the credit bureau, I filed a dispute with XXXX. I sent proof- receipt of payment as well as a bank statement. 
The collection was originally cleared, and as of today, they have placed the collection BACK ON my report, saying it was never paid in full. 
I have tried contacting the collection agency, and no help or direct answer was given. 
I have been working on improving my credit for the last FOUR years, and this has really made it difficult for me to better the lives of me & my children.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  account # XXXX was included in bankruptcy filing in XX/XX/2019 and XXXX on XX/XX/2019 but is reporting {$34.00} balance & charge offs after bankruptcy filing. I have notified the creditor and the credit bureau multiple times but they have yet to fix this account - it should have a zero balance and no charge offs after XX/XX/2019. They fixed the other accounts with this creditor on Transunion but still have not fixed this one.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XX/XX/XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XX/XX/XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XX/XX/XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously. I have no knowledge of this account or company.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

My problem is that for months I have my account in Conibase blocked. The only message received from the company is : " Account under review.

Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Log in every day or every other day to check your status " I have opened a ticket with Coinbase to resolve the problem but all they do is suggest information checks that lead nowhere. All my information is OK and I told them.

This case is similar to many other users who are in a similar situation. For me, it is specifically posing a serious financial problem as I can not have the money I have invested in Coinbase.

Please I need your help so that Coinbase unblocks my account and can use my money. 

Thanks!
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. 

XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. 

Since then, I've called in to Fidelity over 10 times to get the 2 refunds  processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NC)

The company is calling on a COMPANY credit card debt owed to AMEX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the AMEX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MI)

I leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system. 

I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ). 

When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone. 

Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up. 

I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam. 

In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (WA)

I am sendig this complaint to Bonneville Collections. Account information : Account number XXXX, opened XX/XX/2014, original creditor : Bonneville Collections has been committing violations to my rights as a consumer. They have : - Reaged account - Reported incomplete information This company is being unfair and negligent. 

I have proof of my words. Please send the attached documents to the company involved. 

Thank you.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

In XXXX of 2020, Kohl 's claimed I had a late payment of {$30.00} for credit card account. I disputed that the payment was made late. I also told them over the phone that I was out of work due to CoviXXXX and couldn't afford any more fees. 
Kohl 's made no response other than to start to add interest and penalties to my account. I phoned several times repeating this. They continued to ignore my calls and began mailing me bills which have now added up to over {$300.00}. as well as report me to credit agencies. 

Since then, I have sent them multiple emails explaining my dispute of the original charge and insisting I be able to email someone about this account so that I can document what I have told them about being out of work. I believe them charging me fees violates the CARES ACT. They initially responded by emailing me back ( confirming the receipt of my emails ) and stating they won't communicate this way with me and that I need to call. After 6 or so emails, they told me they were having an agent look into communicating with me in writing. however, Kohls has not contacted me in a manner I can document XXXX email ) and continues to add fees and interest to my account and to report me to credit agencies.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. XXXX XXXX purchased XXXX sometime after that. When I do not know. XXXX  XXXX received a debt which my lawyer missed on my credit report. XXXX XXXX sold it to Portfolio Recovery. Portfolio has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. XXXX XXXX has acknowledged this is an account received from XXXX. XXXX XXXX has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing Portfolio Recovery and XXXX XXXX. The sale of this account and its subsequent collection is ilegal.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. ()

My visa card company rejected a payment and I had a letter from them saying they had reduced my borrowing level to XXXX. When I rang them they told me that Equifax had a late payment on my credit report. I joined Equifax and discovered that someone had used my name and old address to take out a card with XXXX XXXX XXXX. I emailed XXXX XXXX XXXX and they told me that they had never had any account under my name. I contacted Equifax with this information disputing their false allegation on my credit report as I no longer lived at my old address and was n't living there when this card was taken out. Equifax told me to ring XXXX XXXX XXXX. XXXX then told me that indeed someone had fraudulently opened an account with them in my name and old address and promptly changed the address. The card was frozen and the account closed. All I had to do was request Equifax to contact them and the erroneous credit black mark would be expunged from my credit report. I did that but Equifax remained adamant that the identity theft would remain on my credit report. I am now making a complaint about this
Consumer complaint received 2023-01-26
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: Bread Financial Holdings, Inc. (CA)

Virgin America credit card. I used back in 2015 or longer. It keeps showing up. I lost my job at the time and couldn't keep paying. Please delete and remove this account.
Consumer complaint received 2019-05-17
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: EQUIFAX, INC. (IL)

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I submitted a dispute to XXXX, XXXX, and Experian about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX  XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.
Consumer complaint received 2019-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

We are two months behind in payments, we attempted to make a payment today for a monthly mortgage payment online. We are in the process of asking for mortgage assistance. We were told online processing of payments was not available and to call customer service at the lender. We did that, and were told they could not take our payment over the phone we would have to mail in our payment unless we were willing to make two months of payments at this time, then it could be taken over the phone. I asked to please explain this in writing or provide documentation that explained why they could not take our usual payment over the phone, and was told there was none, and was told again to submit it via mail. 

We can and will submit our payment via certified mail- but believe this is requested by the servicer to delay the payment past the grace period and show that the payment was again late giving favor to the lender when we are trying to clean this up and move our account current.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (ND)

In XX/XX/XXXX, I was approached by some individuals from an agency called " XXXX XXXX '' who promised to help me prepare an Application for my Student Loan Debt Forgiveness for a fee equal to XXXX XXXX of the total debt that I owe. That came out to be {$890.00}. I used my Discover card to pay for the services. Later, I discovered that it was a scam/fraud. I reported the matter to Discover card and later to the XXXX XXXX Police Department, ND in XX/XX/XXXX. Discover card refused to listen and honor my complaint. 
I contacted my attorney who wrote them telling Discover that I should be relieved of the responsibility of that charge. But they refused. My lawyer advised me to approached CFPB with my concers and complaint against Discover. 
Attached along with this is my communications between Discover card and me, my lawyer for your records and review. 
I will appreciate your prompt intervention in this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2020-05-21
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. (FL)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

I made a XXXX payment for tickets that I never received. i called within 30 minutes of making that transaction to disput it. I reached out to my bank and was told it was my fault for getting scammed and nothing they can do. That I would need to file a police report or look into other avenues to resolve the problem.