davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (TX)

OnXX/XX/XXXX, I noticed a collection for XXXX  for an old XXXX account.  I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount  of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX  datedXX/XX/XXXX  stating I owed more money. Another $XXXX. I contacted XXXX  and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX  said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX  for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX  denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX  refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX  said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.
Consumer complaint received 2022-10-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (KY)

This debt is a loan in my name but was court ordered to be placed in my ex wifes name in our divorce decree. She has missed payments and they are contacting my current wife repeatedly. She has nothing at all to do with this loan or debt. We have asked them to stop or repossess the vehicle and they have done neither.
Consumer complaint received 2022-04-07
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 have filing disputes with all 3 credit bureaus for over a year and none of which have responded. I have been calling XXXX, XXXX, and Experian and havent been getting a response. I have mailing in dispute letters for over a year and have not seen a difference in my credit score. This is affecting my life.
Consumer complaint received 2021-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I contacted XXXX for a second time on XX/XX/XXXX, requesting information on what I need to do to remove the cosigner from my loan. They responded XX/XX/XXXX that they would need 7-10 business days to review that I had made 24 on time payments, which I have and an additional 3 to send a form. As of XX/XX/XXXX, I have received nothing from them.
Consumer complaint received 2021-05-25
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. (NC)

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I opened a XXXX XXXX credit card which is banked with synchronie bank. They stopped my card without mailing me any explanation. I called them 3-4 times they said they mailed me a package for me ti fill it out and send it bank. but I never received that package. Because of them my other credit cards are not working. Every time I call they do not give me any explanation or reason why
Consumer complaint received 2020-10-27
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Document submission is my blank credit report I have attempted to get my Experian report which is constantly denied using I have upgraded to view my credit report. It wont allow me to dispute not at anytime does expieran allow me to view a report on line ever. 
My report today was blank no name and wouldn't download. 
I have been filling reports of the criminal crimes against me are on going. 
Everytime I attempt to remove my credit freeze I get an error fir over a year sorry under maintenance. I have not received an Expieran report since XXXX in addition to Expieran is where all my Aggressive ID theft .Fraud commercial underwriting and fraud business registration since XXXX. In addition my dispute of alias and and old address says it was deleted in my dispute result. However, its a lie because the info still remains when I attempt to dispute anything it gives me an error
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After sending repeated request from Trans Union the description of thier investigation along with thier method of verification via certified mail on the two disputed old accounts from the 3rd party debt collectors ; XXXX XXXX XXXX accnts 1 ) XXXX and 2. ) XXXXThey failed to send the information and just sent me a letter saying the accounts were accurate. I called Trans Union and spoke with a supervisor who told me Trans Union DO NOT conduct investigations and thats the Collection agency 's responsibility. They only submit the info given to them. The supervisor was not in the U.S.A and WAS NOT familiar with any U.S LAWS governed by the CFPB, FTC or any other U.S. government Agency.! Consumer Reporting Agengies have assumed a vital role and have a grave responsibility to report Consumer information to the best of thier ability with Maximun Accuracy. According to the Law " 15 U.S. Code 1681-i " Trans Union is clearly in Violation of the Law. The supervisor assured me that the 3rd Party Debt collector are the ones responsible for investigating the debt that they report and they can only give consumers the info thats given to them by the debt collector. This is not only violating Federal Law, but there's no way a fair / accurate investigation can be conducted if done by the 3rd party debt collector with very little information on a brought and sold debt.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a home loan with Select Portfolio Servicing. Prior to onset of Covid 19 that resulted in California being shut down ( XX/XX/2020 ) I had not been late in making my mortgage payments. I own a XXXX XXXX XXXX and due to the Corona Virus and the lockdown, I suffered significant financial loss and at the end of XXXX of 2020 I applied for a loan modification. After some back and forth and providing them all the documents they requested I was turned down for a modification. I am still unable to pay my mortgage as my business has not returned to normal ... .people are working from home and there is little need for XXXX XXXX XXXX. I have tried to negotiate with SPS but they refused to modify my loan saying only that I do not meet the guidelines of the investor/noteholder but then do not outline what those guidelines are. I have repeatedly requested what those guidelines are but do not get an answer. I was given a forebearance of 3 months. At the end of that 3 month period and while my loan modification was in process, SPS demanded a balloon payment of {$10000.00} due on XX/XX/2020. This was impossible to pay, resulting in my being in default and I now fear they will foreclose on my home. Additionally I believe SPS to be in violation of the CARES act.
Consumer complaint received 2021-07-16
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. (OH)

NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.
Consumer complaint received 2021-04-02
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. (NY)

This is my second time contacting Equifax about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2021 I sent and email to Kohls/CapitalOne informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Kohls/CapitalOne reflecting as an authorized user.
Consumer complaint received 2020-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America allowed someone to fraudulently withdraw via ACH payment refund {$2900.00} on XX/XX/2020 and {$670.00} on XX/XX/2020 from my credit card. I did not authorize this transfer. The amounts were diverted to an unknown bank account. I have attempted to rectify this with 31 phone calls to Bank of America. Bank of America states that someone called in to them in XXXX prior to the transfer, fraudulently claiming to be me, stating my house had burned down and they needed money from the card. This is false and fraudulent activity. On XX/XX/2020 the money was returned to my card and I received notification that the issue was resolved. Then on XX/XX/2020 the amounts were added back on my account. Upon contacting Bank of America I was told that my fraud claim was denied as I had made the bank transfer which I had not. I do not know where to go with this as no one at Bank of America seems to have the desire to assist getting this fraudulent situation resolved.
Consumer complaint received 2020-10-27
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NV)

I was trying to transfer my xlm coin from my coinbase wallet to The coinbase exchange and in the process they disappeared during the transfer I've reached out to coinbase on several occasions to try to fix this issue and now I'm being ghosted and can't get a hold of anybody it really feels like I've been played here.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (VT)

In late XXXX I purchased two appliances from my local XXXX store, where I'd shopped for decades, using my Sears credit card. I was informed that I'd be getting a new card .... and that delivery of the produce would be delayed until mid-XXXX. Items were installed by the third week of XXXX, and I began to get phone calls from " Shop Your Way '' XXXX, which I ignored, assuming it was a solicitation. I picked up today and learned that I was overdue for a payment in late XXXX,, and that this card was the " new '' card from Sears, never identified as Sears. I said I hadn't received a bill ; they said they mailed it. I said then please email me the bill ; no, I can not do that, I was told. I said, well, I can not send you my bank account info without seeing the bill, and that I protested the {$29.00} late fee they said I owed. I also said I had never heard of a card that began billing me before I had even gotten the appliances, plus I hadn't received the bill they claimed to have mailed. They didn't offer a way for me to set up an online account and pay them. They just wanted my bank account info. I said I would phone them back after I'd talked to my husband. At the end of the phone call, they asked for my email address and said they'd be sending me promotional material, which I don't want -- and after I hung up, I thought, WAIT. They've got my email address. Why can't they email me a statement? With contract information, which I have yet to even see. I went with Sears because I trusted them, but now I know I'm dealing with CitiBank, who apparently wants money back as soon as they lend it. And I just don't believe they are UNABLE to send me an email bill. That's ridiculous. Never again!
Consumer complaint received 2021-12-04
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. (WA)

I have repeatedly requested for the past 5 months through credit karma, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

LL Bean Mastercard closed my account after 14 years of business. I have not carried a balance since XXXX  They did not notify me of the closure, nor was I given any notice of the impending closure or an opportunity to use the card to keep the account open. Closing a 14yo account t affects average age of credit and negatively impacts my credit score. 
I will no longer patronize LL Bean as they are affiliated with this card and bank. 

I URGE CONSUMERS WHO HOLD AN LL BEAN MASTERCARD TO STOP USING IT AND STOP SHOPPING AT LL BEAN UNTIL THEY TAKE ACTION TO PROCTECT THEIR LOYAL CUSTOMERS.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :