davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

Inaccurate Account Information** : The report inaccurately lists an account with XXXX XXXX XXXX XXXX being XXXX days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. XXXX Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX XXXX XXXX XXXX collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from Revved Motor and XXXX XXXX as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MO)

Coinbase platform put restrictions on my account without my permission. I reached out to coinbase and they asked me to provide set of documents and promised to remove restrictions in XXXX hrs. Now its more than 8 days and still I can't use my account due to this I am unable to withdraw my money and it's blocked by coinbase. Every time I need to spend more than XXXX hrs to wait for their customer service response and they don't have answer for my query. I also asked them to connect to their appropriate group within coinbase who can help but my request was denied. 
At this time all my investments are blocked by Coinbase without my consent.
Consumer complaint received 2022-08-10
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. (TX)

Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX  or XXXX XXXX. I financed with XXXX XXXX for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXX co.
Consumer complaint received 2022-03-29
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. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and i never gave authorization.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, an unauthorized charge of {$100.00} was made from Best Buy to my Citi Mastercard. I did not authorize this charge. Best Buy and Citigroup are both giving me the runaround. I just want the charge reversed.
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (FL)

On XX/XX/2020 I was inundated with threatening calls and USPS collection notices for a debt that had been charged off by XXXX XXXX  was now under a collection of NCB Management from XXXX, PA. They put it on my credit report, not as XXXX XXXX  but as a collection agent which is not authorized to collect anything in the State of Florida or for that matter, anywhere but in Pennsylvania. Having them do this to me I subsequently lost my employment because of this item, when I do not have any other negative marks on my credit. 

I notified them as pursuant to fair credit reporting act a listing of items that I wanted proof of and also informed them that they have to remove it from my credit report until legally resolved. 

This is pure harassment resulting in the loss of income, loss of a job, loss of dignity and I find out that what they are doing is against the law AND HARASSMENT OF A SENIOR CITIZEN which is against Federal Law. 

It is a violation of the Fair Credit Reporting Act It is a violation of The Fair Debt Collection Practices Act Defamation of Character Loss of Employment due to this specific negative item in credit report. 

They have not answered the legal complaint and as such their practices should be null and void.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (UT)

We have a mortgage on a second home in  XXXX   XXXX  financed by  Banco Popular.   All of our origination documents were produced in both  XXXX  ( our language  )  and  XXXX . However, the servicing documents are generally sent to us in  XXXX . We have complained already and they agreed to send us only   XXXX   documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in  XXXX  only.   XXXX  On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (MN)

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

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 2018-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (NJ)

We made payment to PNC home equity account. However the payment was not reflected on the balance. PNC is still charging us interest for the balance we have already paid. 

Below is the timeline summarizing what happened : We totally draw {$100000.00} on XX/XX/XXXX from PNC home equity account. 
we made monthly payments from XX/XX/XXXX to XX/XX/XXXX We made payment to principal on XX/XX/XXXX of {$8300.00} we made {$30000.00} payment to principal on XX/XX/XXXX We transferred from virtual wallet account to Home equity account of XXXX on XX/XX/XXXX. 
We bring {$60000.00} check to the local branch to pay off the principal on XX/XX/XXXX ( check amount of {$15000.00}, {$25000.00} and {$10000.00} and {$10000.00} ), among which one of the XXXX check was returned, the rest {$50000.00} was deposit and cleared from other banks ( see attached deposited check images ) we transferred {$1000.00} from my equity loan account to my regular PNC virtual wallet account on XX/XX/XXXX. 

Due to the returned XXXX check, PNC has been holding all the deposited {$50000.00} and not showing as the principal payoff, PNC is still charging us monthly payment based of {$59000.00} balance, we actually only own PNC about {$9000.00}. 

Since this issue occurred, I have talked to banker in PNC bank XXXX XXXX   branch, they told me they can't do anything. We then filed a customer complaint case with PNC customer relation team, XXXX XXXX with case No XXXX, we have been actively following up with her every week since XX/XX/XXXX, but still nothing has been resolved. 

We received the payment statement for XXXX. PNC charged us $ XXXX monthly payment for the remaining balance which is not correct.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TX)

I received a call at XXXX XXXX  on XX/XX/2018. I asked who was calling and what it was about and the girl only told me her name, which is XXXX. I asked several times what her call was in reference to and all she said was that it was an important business matter. I hung up and researched the number which is to NCB Management Service which is a Collection Agency. I was not told during the call that it was an attempt to collect a debt, only that it was an important business matter. These people have been calling me 4 to 6 times a day. I am XXXX, have XXXX due to a XXXX XXXX problem and a XXXX XXXX. First they will call my home number and then my cell phone number during the day every day.
Consumer complaint received 2018-03-26
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. (FL)

I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,
Consumer complaint received 2018-03-26
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: National Credit Adjusters, LLC (CA)

I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (IN)

The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft in XX/XX/2016 and had to dispute all of my accounts on my credit report because I could not identify accounts that were mine. Transunion deleted everything in my credit file. After identifying my accounts I mailed Transunion my identified accounts, account numbers, and balances on accounts, to add to my credit file. 
This was never done by Transunion. I am unable to get a credit score from Transunion. Because of the lack of compliance on Transunion 's part, I am unable to get a mortgage loan, credit, and have correct credit history,
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. I recently learned that my information was used to open an account with Care Credit. I did not authorize or open account. I had previous account with Care Credit, it was paid and closed in XX/XX/XXXX. I was made aware of unauthorized account when I received bill in the mail for {$4600.00}. The charges were for XXXX XXXX provided for a XXXX XXXX XXXX. I have no knowledge of this person. I called Care Creit onXX/XX/XXXX I spoke with XXXX, and was advised that he would close account and I would receive. Fraud package in the mail. On XX/XX/XXXX I made a second call to Care Credit. I spoke with XXXX in the fraud Department. She confirmed that the account was closed HOWEVER It was NEVER referred to fraud department. I am still waiting for that package. I have filed. Police a Report with XXXX XXXX XXXX. I made a third phone call to Care Credit onXX/XX/XXXX and spoke with a XXXX, still no package .I did receive a letter from Synchrony Bank stating they had closed my J C Penney account. I  closed this account inXX/XX/XXXX. My credit report also shows the account as closed. Synchrony Bank is provider for Care Credit as well. I feel that they are giving me the run around. I ask for a fax number for the Fraud Department, and was told there is no number. I do not want this on my credit and I did not wish to pay for charges I did not authorize.
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (KY)

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.
Consumer complaint received 2023-06-17
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Do n't have any dates or amaounts. Learned about this weeks ago on the news of the credit bureau hack! I was a victim but not sure if any of my personal info was taken. Keep tracking my credit report and if there are any changes like withdrawals. what I did is freezed my credit account and statements as Equifax insisted but this happened months ago and the public did n't know to recently.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them  stating I owe {$3700.00}. 

The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided OFX.csv which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

The discrepancy occurred in the Month of  XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference :  XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 
XXXX ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. 

I have called American Express several times to explain the situation and they only seem to send me my complete XX/XX/2016 statements. Unfortunately, they will not look at the OFX.csv file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the OFX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express OFX.csv file. 

I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OH)

I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.