davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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. (NY)

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX XXXX ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX XXXX, XXXX XXXX CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

back in XXXX of XXXX, i called the water delivery company XXXX to cancel our service. at the time we had several 5 gallon bottles of water, it was agreed we would run through them and a final date of empty bottle pick up was established ( around XX/XX/XXXX ) the bottles were picked up as agreed. i received the final bill in XXXX and paid it. then in XXXX we received four more bottles. i immediately called XXXX to let them know that we did not want them and that the account was cancelled back in XXXX.they said they would fix it and pick up the water.at he end of XXXX i received a bill for the new delivery. i sent the bill back to them, writing on the face of it that the account was cancelled in XXXX. i then got a bill in XXXX for the same delivery. i wrote on the face of that bill, again, that the account was cancelled in XXXX and requested that they stop sending me bills and to come pick up thewater. they completely ignored both of my requests. i janurary we received another bill with surcharges. for the third time i sent the bill back, writing on it again that i was getting extremely frustrated with them ignoring what i'd written on the bills. to be honest, i included a bit of invective and commented on the incompetence of whoever was opening the bills i had sent back. so in februrary i got another bill which i threw out in frustration. in XXXX i got another bill and was very frustrated so i called XXXX to complain, inquire about the issue of them not understanding that the account was cancelled back in XXXX and to try to work out with them what exactly the problem was. i explained this whole saga in detail to the person on the phone, expressing my frustration. the way the call ended was that she would look into it, they would pick up the water that is still on my porch from last XXXX and they would make sure the account would be cancelled. i never heard from them until my wife received notification from a collection agency in the middle of may-the account is in her name. it was a generic letter with no reference to XXXX, whatsoever. when she called the collection agency, they sent the string of bills that i described above. i believe this was unfairly sent to collection i believe their company engaged in improper action. i have since called both XXXX and the collection agency and got the complete run around from both parties.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERIFIRST FINANCIAL, INC. (CA)

AmeriFrist pulled my wife 's and my credit on XXXX for what they claim is to sell our loan. Unfortunately, AmeriFrist sold our loan to XXXX back in XXXX. 
Below is what has transpired with AmeriFirst. 


XXXX/XXXX/XXXX XXXX made a hard credit pull on our credit. 

XXXX/XXXX/XXXX I called XXXX to see what the hard pull was for. XXXX told me that is came from The AZ branch of AmeriFirst. 

XXXX/XXXX/XXXX I called Ameri First and they transferred me to you. I explained to XXXX XXXX at AmeriFirst what was going on and XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX After a week went by and I heard nothing. I called XXXX XXXX at AmeriFirst back. XXXX XXXX at AmeriFirst explained to me that " that when we went through Ameri First to finance the purchase of our new home we signed a " Blanket '' statement allowing Ameri First obtain any information they needed to sell our loan on the second market and that includes hard credit pulls ''. I asked how many times will Amerifirst pull our credit? XXXX XXXX at AmeriFirst said " As many times as they want, but the credit report is good for 90 days. Did n't you read what you signed? '' I requested a copy of the " blanket '' statement and our credit report. XXXX XXXX at AmeriFirstsaid no problem and that we would also would receive a letter from your legal department explaining what is going on. 

XXXX/XXXX/XXXX I called XXXX XXXX, who has serviced our loan since XXXX/XXXX/XXXX. I explained to them what was going on and asked if they were trying to sell our loan. They told me no they are not selling our loan and they do not know who AmeriFrist is. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst and explain to you what XXXX said. You said the same thing again " AmeriFirst has the right to pull your credit when we are trying to sell your loan. '' I then asked " Why would Ameri Frist need pull our credit to sell our loan? XXXX is servicing our loan and has been since XXXX? '' XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX We received in the mail a copy of the " blanket '' statement, the HUD and a letter from XXXX XXXX at AmeriFirst stating the same thing about selling our loan on the second market and how AmeriFrist has the right to pull our credit. There was no credit report or letter from AmeriFirst 's legal department. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst to ask what is going on and to call me back. 

XXXX/XXXX/XXXX XXXX XXXX at AmeriFirst called left me a message and asked me email you my complaint and what my expectations are. 



Since my loan servicer does not know who AmeriFrist, and AmeriFrist no longer has anything to do with our loan since XXXX of XXXX it makes no since why AmeriFrist would pull our credit in XXXX.
Consumer complaint received 2022-10-04
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. (OH)

XXXX accordance with the Fair Credit Reporting Act XXXX  XXXX opened XX/XX/2022 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 This account is not mines
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OH)

On XX/XX/2020, I noticed that my account on Coinbase was compromised. My account was compromised bypassing the two factor authentication systems - I'm not sure how at this time. None of my other credit cards, banking systems, or emails were accessed. No other individuals in my household have access to my account. 
After noticing this problem, I acted quickly. I accessed my account. I changed my password and I submitted a support ticket requesting than my account be disabled due to this problem. I noticed before closing my account that an attempted withdrawl of - {$25000.00} occured, attempting to take the funds out of my bank account. Additonally all of my assets in my wallet had been sold off, other assets had been purchased, and sold again. All of these transactions resulted in massive coinbase fees. 
I did not receive an automated support ticket/email verification/or anything of the sort but my account was disabled. The {$25000.00} request resulted in a NSF return fee of {$23.00} from Coinbase as I did not have the funds present in my bank account. 
After some time, I did not hear from Coinbase through any of their support outlets ( XXXX, XXXX, or their email system. ) They do not have a live customer service so there's no good way to get in touch with them. I attempted all the methods available to me. 
After a week, on XXXX, another attempt to withdraw {$25000.00} from my bank account occured. I believe this came from Coinbase directly as my account was suspended. I again attempted to contact them but have had no luck. 
I have since had to put a hold on my bank account and I have yet to have any luck in getting ahold of Coinbase directly.
Consumer complaint received 2016-08-02
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace cashed my check a before the actual due date due to it being a holiday without my consent, My account was over drafted as a result of this and when i called them to tell them what they did she told that they cashed it and it would n't go thru due to it being a holiday and that they were not going to reimburse me for my overdraft charges i received for XXXX. Not to mention i have already paid them double of what I have borrowed already and have always used them and paid every single loan on time every time was never late. Today i get a call from a guy calling from a company called XXXX number XXXX asking me if I will be home so he can come and deliver me some papers THRU XXXX XXXX, which led me to believe that he was a sheriff. I asked him what was this for and it said he would have to transfer me. He transferred me and it was Ace Cash Express. I was livid when she told me that this is a validation letter that was going to be mailed to my home. I called him back and told him that i will be home i was calling off, but i wanted to know what was his job title and why was he coming to my home to give me papers, He said he was a courier. I do n't feel safe with someone that knows my information threatening to bring papers to my home. The person that i spoke with said that he must have been confused so i called him back just to make sure this was n't a mistake. He asked for my work address and if i still worked for my old job and then said the name of the place. By this time i have my recorder on and asked him the same questions again just to make sure that this really just happen.And he said the same thing but got mad and said you are being blocked. and hung up in my face.
Consumer complaint received 2020-08-19
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

Cares act Mortgage forbearance States that your credit score will not be affected in forbearance however my Mortgage company ( Carrington Mortgage ) got around this by increasing the amount owed on the loan  stating that the unpaid interest was added to the loan amount increasing the amount of the loan reported to the credit agency 's thus showing a higher debt to income ratio and lowering my credit score. which the cares act states should not happen So I'm being punished if I use forbearance
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

Genesis FS Card Services XXXX XXXX Credit Card has Dishonored a payment, placed a temporary block on my card and is taking adverse action, including denying me my my money. I've already filed an FCC complaint about harassment - and now they " paused '' my card for 14 days. I've attempted to cancel and I was simply put on a never ending hold. 

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bristlecone, Inc. (KY)

XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called the representative named XXXX agent ID # XXXX regarding the one time bonus of {$100.00} that I was supposed to receive after spending {$500.00} in the first 3 months. However, the agent stated that I was supposed to get the notice that I 'm not eligible, since I was using a different Capital One product before. When I stated that i did not receive such notice, she stated that I was supposed to be verbally notified about this. However, when I further stated that I was n't notified, she stated that actually I 'm just not eligible. When the agent transferred me to the Senior Agent XXXX # XXXX, he refused to provide any information, nor was he willing to send me a copy of the terms and conditions that state that the upgraded account is not eligible for the same benefits, though the promo notification that I received did not mention that I 'm excluded from this benefit.
Consumer complaint received 2022-08-10
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.
Consumer complaint received 2023-01-28
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. 

Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.
Consumer complaint received 2020-10-20
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: U.S. BANCORP (WV)

On XX/XX/2019 I opened a claim agains US Bank stating that the data and latd payments they are reporting to the bureaus should be removed. No by haste, but to prior notarized agreement between myself and their company. 

On XX/XX/2019 I wrote US Bank in attempts of getting late payments forgiven and removed from my account. US Bank agrees and has since failed to do so. Please see attached. 

US Bank submitted documentation that seemed to revert from my directives completely ignoring said agreement.