davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
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. (OH)

Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately : Account : XXXX XXXXXXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXX XXXX : never been in this state
Consumer complaint received 2020-07-24
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-04-06
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. (FL)

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2022-05-02
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. (CA)

XXXX XXXX XXXX XXXX failed to properly apply agreed upon extension resulting in multiple late payments are credit. 

Despite supporting statements from witnesses, countless contacts with various departments and their own reps stating in multiple occasions this was employee error they would be remitting they are now giving me the run around month after month asserting this is accurate when we both know their less than ethical tactics and shady practices are anything but. 

I even paid 2020 XXXX payment through XXXX XXXX quick collect certified funds within 39 days despite having requested it to be part of the multi month extension during family tragedy and they marked me late that month as well. 

In response to my ongoing disputes they I finally state it never happened until I provide call logs, then they state to CRA execs they are removing it then they tell me its valid and start sending me excessive certified letters and communications in violation of cease and desist on file and it was never requested. 

They are sending me a contract citing I requested I did not and your contract as well clearly shows my due date for this long since closed account was the XXXX XX/XX/2020 which was not even due but yet still paid because of your disconnect in service and communication posted within 24 days.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

There are chargers on my credit card and credit report that are not me and I am now owing Capital One more than I used on my credit card. Not only that but I have these negative marks now on my credit. This has been going on since XX/XX/2023 and now I owe over XXXX to Capital One with derogatory marks on my credit.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2022, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) informing me that they had charged off my XXXX account and sold it to Midland Credit Management ( MCM ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from MCM stating I had a XXXX XXXX balance on my XXXX XXXX 

I spoke with MCM and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the XXXX XXXX XXXX  credit bureau line item. When I called XXXX XXXX XXXX they tell me that they no longer have the account and that I will have to resolve the credit bureau update with MCM. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (KY)

In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that Navient has not reported any updates on my credit reports, XXXX, XXXX  and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the CBR issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that Navient only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I have reported this to the XXXX  and they suggested I follow up with the CFPB.. I don't know what else to call this other than this company is a complete fraud and should be treated as such for how they treat their customers. I have been working with a Crypto Currency company called Coinbase. I have many questions and concerns and there is no support team whatsoever. Any time I have filed for support their email is no longer operational or I receive automated responses that someone will reach out to me, no one ever does, but I get a " How did we do? '' email from them. I have a lot of money invested in cryptocurrency and for a company to be completely and utterly absent is not only completely wrong but no way to do business. There is 0 explanation, 0 feedback, 0 support... how am I supposed to conduct business and now even remove my business when there's no information or support on how to do so. My hands are tied.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

Ive had a Chase credit card since 2014 and made payments on time for 4 years. I set up automatic payments by phone, but they didnt go through and I was delinquent 2 months so they closed my account without my knowledge. I got an email to make a payment before XX/XX/XXXX so I made a big payment by phone for {$560.00} on XX/XX/XXXX and was confirmed by a rep. I also set up automatic payments for the rest of the year to pay off the balance. Was told that my account was now up to date. On my credit report its showing account closed and my score dropped XXXX points. I have been trying to resolve this for a month and keep getting passed around on their automated system. A chase branch rep, actual human told me to call the credit bureau Dept and I couldnt not get a hold of that Dept. I got a job that pays more and will be able to pay this credit off, but need this negative strike removed and my account back open to show my history with Chase.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2017 my check # XXXX was debited from my checking account, and this check wasn't cashed by XXXX XXXX XXXX, I requested a copy of the endorsement of whom the fund was credited to, Bank of America can't give me satisfactory answer, since this contractor breach of contract that I needed proof of payment in court.
Consumer complaint received 2023-04-06
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. (NC)

I have attempted to handle this with Equifax many times. Be advised that this is causing financial damages and emotional duress.. Equifax has failed to provide an appropriate LEGAL and LAWFUL responses & will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 
Please verify, validate and document that I XXXX XXXX XXXX is LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$0.00} XXXX
Consumer complaint received 2018-02-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG FINANCIAL CORPORATION (CA)

I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.
Consumer complaint received 2022-05-02
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. (SC)

XXXX XXXX XXXX  Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on Equifax shows XXXX but the other two show XXXX. The date last active is different on all three. Equifax shows XXXX, XXXX shows XXXX and XXXX shows XXXX.
Consumer complaint received 2021-12-01
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: MRS BPO, LLC (NJ)

The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my credit score and file ) with MRSBPO for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX  XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. Detective XXXX  informed me the following : " I advised XXXX XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX Prosecutors Office to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

all i did is just deposit a insurance claim check to my checking account, on XX/XX/2018 i deposit the two checks from our insurance company thru ATM. 
two days later we got those check mailed back, the reason of returned is the endorsement are not acceptable for deposit. So I called Chase customer help line, they told me because i deposit thru ATM it is not clear to verify the endorsement so go to bank teller and deposit again. so i tell my wife to do that, and she called me our XXXX XXXX teller will not accept the checks because the checks were issued to business name on it ( the check payable to XXXX XXXX & XXXX   company name & my name & my wife name on it ), so i called the chase customer claim dept and told them what is going on and they told me it is okay to deposit if there was correct endorsement on it which is it is. and they told me to try other location. so my wife went to other location chase bank branch and they accepted the deposit. on the way home, my wife stop by the XXXX branch and complained the teller who did not accept the deposit. and few minutes later the bank teller who accepted the deposit called my wife, and told her the deposit will be returned.so i called the branch manager at XXXX XXXX tried solve the problem, but it was not works, so i got in to online banking site and tried transfer money from my saving account to checking account for covered money i already issued the check to my XXXX and it was not able to do that.i called the chase bank customer help line again and found out my account is restricted by the XXXX branch. 
so i called XXXX  branch and asked the branch manager what is going on and she told me my account was restricted by her branch but not by her because i tried deposit the check to other location after she told to my wife it was not able to accepted.. 
I was so mad because i explained the whole story what was going on and my account was restricted, so told her " are you XXXX kidding with me? '' and she yelled to me " you know what i will closed your account '' after we got argument and i realize it i have tax return money on the way and lot of bill already made payments by this account. this was our only banking account. so i apologized to the branch manager and she accepted it. and she will help out to pay my bill while my account is restricted. 
so i went to bank branch and closing my saving account and transfer money to my checking and also closed my kids saving & checking account. because after i found out my account was restricted the chase bank head office can not do anything about what it happened and not be able to help me out. and today i checked my online banking there is no record of direct deposit from my work, so i called the customer service dept. of chase bank and finally i found out my checking account will be closed requested by branch manager. even without any notice to me.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Sezzle Inc. (TX)

Sezzle, a company which I had never heard anything of, sent me an email with the title " Action Required : Update your Payment Method ''. They noted that my credit card ending in XXXX no l

onger worked and that I needed to update my payment info. Somehow, these guys got hold of the fact that I had recently canceled my credit card and gotten a new one ( from XXXX ). And they used that info to craft a scary email to scare me into signing up for their Buy Now Pay Later service.

I downloaded their app to verify that I indeed had no account with them, that I had never used their service, and that their email was a big, fat lie. I was proven correct -- scarily, they somehow also had an old physical address of mine.

These guys somehow got my data ( illegally, I presume ). Maybe XXXX sold it to them ; maybe they got it off the dark web. Regardless, I presume that their behavior is illegal and it needs to stop.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION INQUIRIES WITHOUT MY CONSENT OR KNOWLEDGE REPORTED TO THE POLICE FOR BREECH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX 4.XXXXtransunion interact XXXX XX/XX/XXXX XXXX alert XXXX XXXX XXXX XX/XX/XXXX 6.Transunion Consumer int XX/XX/XXXX threw XX/XX/XXXX 7.Transunion XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion Interactive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX threw XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/2022 at approximately XXXX I received a notice from HR stating wages were going to be garnished. I received a WG-006 Claim of Exemption to file with the court. I contact the plaintiff office XXXX XXXX XXXX XXXX  I advised them that the debt was not mine. I am a victim of ID theft and I never lived/rented/tenant in XXXX XXXX XXXX where the allegedly tenant using my information rented a dwelling and not paid rent. The attorneys office asked for last 4 of DL and they concluded that it was not the ID they had and might be a fraud case. My wages are going to be garnished because of this case of mistaken identity and need it resolved as soon as possible. 
CASE XXXX I am a XXXX XXXX XXXX XXXXXXXX.