davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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: ERC (OH)

i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I Submitted a report to Equifax regarding my name is incorrect and address is incorrect I have a complaint number ID but when I dialed the number to try to get an agent you are unable to speak to someone due to the call keeps dropping. Ive tried calling them several times during their new hours of operation due to COVID. They sent me an email saying I have new information but Im unable to speak with any agent due to Equifax disconnect the call when holding for an agent. The number Ive dialed is ph # ( XXXX ) XXXX which is the # they have on their system to call. I am unable to use the automated due to my address is incorrect and the system want you to input your street # as verification.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (TX)

On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.
Consumer complaint received 2023-01-29
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: I.C. System, Inc. (GA)

Notice to Intent to I.C System INC, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal information.
Consumer complaint received 2021-04-27
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 (CO)

American Express : I have a credit balance on the card of over {$12000.00} that I have been trying to get returned to me but being put thru a continuous loop of verifications to return the funds to the same bank account that they have getting payments from for over 10 years ;
Consumer complaint received 2020-05-07
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. (AR)

I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (GA)

Lendmark Financial is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
Consumer complaint received 2019-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (KS)

Due to lack of communication after filing bankruptcy we got behind on our payment. During the process of catching up we where told different amounts and information during each communication. In XXXX we mailed in the balance due to make our account current and next payment due XX/XX/XXXX. I was told this total during two separate conversations with multiple employees after I was told a different total prior. I also confirmed this total before mailing the payment. Now the company is stating we have over {$1000.00} in fees and charges as of XX/XX/XXXX. Both XXXX and XXXX payments were made on time and in full. There is no explanation as to what these fees and charges are for on our statement.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am refilling this complaint to EQUIFAX with CONFIRMATION number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2019-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello, In the past I used a platform called Coinbase.com to trade online currency such as bitcoin. I haven't made a purchase  in years, and few weeks ago my account was compromised and my debit card was wipeout. My bank did not stop the charge until they tried there second transaction which made my account overdraw and it was flagged. I was called from a number that showed from my phonebook as coinbase. I later looked to confirm if that was the same number on the coinbase website and it sure is. They stated that my account was under fraud and needed to reset the password. Following what I thought was security questions, later to find out they are the ones whom hacked my account. Although the number was the same number posted on coinbase website, I am being told that it was not coinbase. I am not sure how that is possible, I believe I was scammed from someone within the coinbase office. 

I have tried for over a month now to speak to representative and can not get a response. I was told all trades are final. How about check my IP address and see where the account was logged into? I can specify were I was at the time of the charge and I bet it doesn't match up the location of the purchase on the IP address. 

Now I can't even log into my account! I want to remove all of my information and I can't get into my account because the hacker locked out. 

I am a victim of a cyber attack, and coinbase who let these people into my account have done nothing to get this resolved.
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I previously disputed several times XXXX and XXXX XXXX account in XX/XX/2020, its been longer 3 months. The dispute still states under investigation. I have not been validated. The accounts XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX
Consumer complaint received 2022-10-07
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: FIRST HERITAGE CREDIT LLC (SC)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2020-09-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

credit cards keep reducing my limit after I pay a significant amount so that I wont be near the balance and i end up getting reported multiple times for being near or less than {$50.00} over my limit with no phone call, email or notification whatsoever.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

Chase bank let another entity reverse charges that had been cleared for months by myself and then the predator cohersed me into believing that they were the depositors of sudden positive flow in my account and said they would loan me 5000 the same day if I could withdrawal it and send it to them through a XXXX card and I never called or entered the bank and asked to dispute or have any of my past transaction reversed it's supposed to be a recorded line so who did?? not me!! And I was scammed out of over 800 and the fraud protection is a joke you have to do it over the phone I have physical proof that I was online victim and receipts to back it up and no human being to sit with me and explain it all to and submit my proof.. My own bank allowed me to get robbed and claim to be protective!! I was charged for the missing money out of my pocket!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>, I sent out a letter to the three Credit Companies Equifax, XXXX, and XXXX asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to Equifax, XXXX, and XXXX. I attached Letters as well to my complaint.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

This debt collection company inaccurately fraudulently reported on my credit reports. It is saying I made a payment to them in my XXXX when I did not. Its further reflected in my XXXX that these payments never happened. I dont know what is going on and why they are reporting these deceptive claims.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a notice from Portfolio Recover Associates who claim I owed them and the original creditor was supposedly XXXX  XXXX XXXX. The account number listed is XXXX. I have never received any communication from PRA as it may have gone to my parents address and was not forwarded properly. I would like PRA to provide me documentation pertinent to this debt and if owed would offer a settlement off of {$200.00} as I am not in an employed at the moment. I dont honestly think I owe but am destitute at moment. Please provide me any documentation in this matter.
Consumer complaint received 2019-10-30
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: PNC Bank N.A. (TN)

I purchased a pair of shoes online. When I received the shoes, it was very clear that they were not the name brand they were labeled. They name tag was altered and a different color. The size did not match the label. I tried to contact the seller and they would not respond to my requests. I then contacted PNC and reported fraud. The case has been cancelled for pretend reasons multiple times. There have been at least 3 follow ups demanding more written information. Finally, in a letter dated XX/XX/16 PNC is demanding that I prove the shoes were not a legitimate name brand and " provide documentation from the real entity that indicates that the merchandise is counterfeit. Include the name of the entity providing the notification and validation that the entity is qualified to provide the notification. '' This is nothing more then yet another reason for PNC to cancel my claim and act in bad faith.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MN)

On XX/XX/2019 I returned my leased XXXX XXXX to XXXX XXXX in XXXX, MN. I was not asked for any information such as an updated address or anything else. On XX/XX/19 I attempted to purchase a new vehicle and received notice that GM Financial had reported me 60 days late on a payment. I then called GM Financial to ask what the payment was for and was told it was a disposition fee of {$390.00}. I then proceeded to question why I have not received any notification as in mail or email or phone calls? They had my old address of 2 years ago and I did not receive any emails either. This has dropped my score considerably and I am not eligible to obtain financing on a new vehicle. I feel there was not any legit effort in contacting me as I will pay immediately anything I owe. This needs to be removed from my credit ASAP!!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX XXXX attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from Equifax Experian or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX XXXX attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.
Consumer complaint received 2023-01-30
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 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 2021-08-11
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)

Several disputes were made to Experian in relation to an account that had to be removed since XX/XX/2020. Experian is reporting negative information that does not correspond to me. The original account belongs to XXXX XXXX  and it was settled.
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

We were forced to give up our apartment due to medical hardship and being unable to afford the rent. We did not wish to be evicted so we made arrangements with the property management agent to relinquish our apartment with 2 weeks left in the month in immaculate condition so it would be ready for new tenets as quickly as possible. We were told we had given enough notice and they had found a new tenant. Now that we are in better standing financially we have found that I have a {$13000.00} collection on my report We have disputed this account with the credit bureaus but have not had any success and it keeps growing. Please help
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (TX)

XXXX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I was Notified the end of XX/XX/2022, that my zales account missed a months worth of payment in XX/XX/2022, which shouldnt have happened because I had The account in autopay, when I checked My bank acct the payment had successfully went through on my end. My emails showed that the payment went through but for some reason the credit card was showing missed after sending emails stating it had been paid! I have Bank transactions that show proof it was paid and deducted from my account! I have Been going back and forth with this company for over 6 months now about fixing this issue. 
They had a system upgrade which caused plenty of glitches to happens for a few months and this is clearly one of the issues. On my credit report its saying that I missed XXXX payment but then on another its stating I missed XXXX and XXXX was paid for. Both discrepancies are incorrect because they were both paid. Because of this my credit score has plummeted XXXX from a missed payment which is ridiculous! The company has yet to try and help solve this issue, they keep responding back saying they will get back with me soon, sorry for the delay. They keep asking for the same evidence to be sent over again and again. Its like they are hoping I will Leave it alone but I refuse To because this is not right! 
I am attaching all of my correspondence with this company to get this issue resolved properly.
Consumer complaint received 2020-05-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (MA)

I initially has a mortgage with XXXX XXXX. I filed for Chapter XXXX Bankruptcy in XXXX, case # XXXX. The bankruptcy was discharged in XXXX. XXXX XXXX went out of business in XXXX, and did not file a of proof claim with the bankruptcy court. This debt collection company has changed names multiple times to include XXXX XXXX, XXXX and now it is calling itself Shellpoint. I have contacted the company during all three name changes to dispute the claim, but they continue to state that the mortgage is owed. The last communication was XX/XX/XXXX. I am sending along the last communication with XXXX in XXXX. The company was then renamed Shellpoint in XXXX. I am also sending along the Chapter XXXX Trustees discharge summary and discharge order.