davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (CT)

On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of XXXX XXXX XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Fraudlent charges on my XXXX XXXX that I did not make, they say I benefited from things but their is no proof of such thing. 

Under federal law I reported the problem in a timely manner and should be removed from my credit report.
Consumer complaint received 2021-10-20
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. (MS)

I have contacted Transunion numerous of times to resolve this incorrect information on my credit report. i have filed police report with the XXXX county police department. I have yet to come to a resolution to this miss information on my account. The following information is listed incorrectly XXXX Accounts, XXXX XXXX  and the following addresses are incorrect XXXX XXXX  XXXX XXXX, GA, XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the following inquires XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates (CA)

On XX/XX/2021, I sent a letter to XXXX XXXX XXXX XXXX asking them to verify the debt and for any proof that I owed the debt. 

On or around XX/XX/2021, the response I received were the last four digits of my social security number, my name and the original creditor of the debt. He also told me I needed to file a police report if I wanted proof of the debt. 

On or around XX/XX/2021, I again asked for the proof of the debt. I also asked why did I need to file a police report for debt validation. As of XX/XX/2021, I have not had a response to my request. 

I have also tried to contact the original creditor to see if I can get any information but their number listed is not working and the email address comes back undeliverable. I have emailed them at XXXX and the phone number belongs to a company called XXXX XXXX.
Consumer complaint received 2023-02-24
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. (NJ)

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. 

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 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 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2020, a request ( see attached ) was sent to the creditor to dispute the debt. In the letter, the following was requested : Proof of my agreement to pay the debt A copy of the final account statement from the original creditor A breakdown of the total amount due, showing principal, interest, and other charges For all other charges, the date of and basis for each charge Description of the chain of title from the original creditor to present debt owner including date of assignment Records reflecting the amount and date of any prior settlement agreement reached regarding the debt On XX/XX/XXXX, Ally replied with the attached letter. This information was not a verification that I indeed owed the debt.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

I am very concerned because this company Calvary is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!
Consumer complaint received 2021-10-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (CA)

I opened a XXXX savings account on XX/XX/2021 and funded it with {$25.00} as part of a broader promotion paired with a checking account I also opened that day. 

XXXX was acquired by PNC and sent me notice while I was away on holiday that they were consolidating to the PNC web portal. 

I got a paper bill from XXXX saying the account had gone to a negative balance - $ XXXX due to a paper bill fee I never agreed to when signing up for XXXX, and for an unspecified 'service fee ' I was unable to gain access to my PNC online account for days due to technical issues on the server ( which eventually resolved themselves ), and then was disconnected or re-routed endlessly when I tried to contact PNC via phone. When I did speak to one rep, she could not see the charges nor explain what they were. 

I now have a negative balance account due to these charges, without context on why.
Consumer complaint received 2023-02-15
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. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MO)

My Coinbase account was Hacked on XX/XX/2018. About {$6000.00} in coins was stolen from my account, {$10000.00} was stolen from my checking account and several thousand dollars of unauthorized charges was made to my credit cards. I have called coinbase several times, emailed them 3 times with no results. I am unable to gain access to my account, their support personnel are not help helpful. It's been 2 months since the hack and I would like the situation straightened out. Assuming my account was the only one hacked, why is it taking so long to fix my account and return my stolen funds and coins. The company, in my opinion, has stolen a great deal of money from me.
Consumer complaint received 2020-10-31
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: JPMORGAN CHASE & CO. (IA)

Chase is not reporting accurate information. If Chase was reporting accurately, my reports between XXXX, XXXX, XXXX, XXXX  would all be IDENTICAL. I have disputed 3 or 4 times with XXXX and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with Chase several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the XXXX payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than XXXX, XXXX, XXXX, and XXXX. How does Chase report XXXX of XXXX different to 4 credit bureaus? How does Chase say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through Chase directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with Chase? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/21 complaint number XXXX. I filed a complaint against Trans Union. The company Response states my complaint includes a dispute which is completely false. I have never disputed this posted account ( USBK COURT NEVADA DOCKET # XXXX ) The company failed to validate this within 30 days.
Consumer complaint received 2020-11-23
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. (CA)

I lost my purse on XX/XX/2020. Someone got it and use my information and documents to open an account with debt {$12000.00}. There is a couple returned my purse in the mall and ask me to paid them {$200.00} to get it back, I paid them and I dont know if they are the fraud. Last month I check my credit score was down because of this debt {$12000.00} but I was not the person apply or open this account. I have reported to XXXX, Equifax about my credit score. My credit score in the last 2 years is always very good. No debt. Always pay on time. Now I want to dispute this problem and hope you can help me investigate to solve it to get back my real credit score. Thank you!
Consumer complaint received 2021-05-28
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: CITIBANK, N.A. (CO)

Someone stole my social security number, name and address and got a credit card from {$8000.00} credit limit with The Home Depot Store, I received today 05/27 a credit card statement with a balance of {$4300.00} and a minimum payment of {$44.00}. I called the Home Depot Store and supposedly they closed the account and sent a report to their Fraud Department, they should be investigating and getting back to me. I want this resolve and account eliminated from my credit report and any negative report to be deleted too.
Consumer complaint received 2020-08-23
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. (OH)

OHIO XXXX XXXX XXXX XXXX Has posted on my equifax credit report after I was told it would be removed I have letters sent to Equifax from them to delete the account and that account has XXXX payment history but it hasnt been deleted
Consumer complaint received 2023-01-24
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. (TX)

I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected :
Consumer complaint received 2021-10-20
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-20
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. (MN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and I have not received any investigation reports. This creditor has reported a late payment my report which is incorrect, and I am asking this be deleted immediately. XXXX XXXX late payment.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My wallet containing my card was lost in a XXXX ride on XXXX XXXX. I used XXXX XXXX to purchase something at a XXXX store before returning home. Upon getting home I noticed my wallet was missing. I went to my online BOA account to lock my card immediately when I realized that my card had been used at a XXXX XXXX  ATM and someone withdrew {$990.00}. ( My push notifications were on, however, BOA has yet to fix debit card transaction notifications, although I've brought it to their attention before. They tend to come hours after the transaction was made. ) I then called BOA to report the fraudulent activity. I was given a claim number, and I was told to wait 7-10 business days for a decision regarding a provisional credit. Fast forward, my claim was denied on XXXX XXXX. I provided the agent I spoke with ample details about my claim. I'd also like to note that I tried to follow-up about my claim on XXXX XXXX and the agent said she escalated the claim and that someone would reach out to me shortly to no avail. I never received any correspondence about my claim with BOA since I initiated the claim. My claim was grossly mishandled and minimized.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

XXXX {$24.00} XXXX {$320.00} XX/XX/XXXX {$36.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$35.00}. 
Total : {$1200.00} XX/XX/XXXX {$100.00} {$110.00} {$110.00} {$100.00} {$100.00} {$100.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4800.00} XX/XX/XXXX {$24.00} {$1700.00} Its on camera I didn't do these deposits or withdrawals. Wells Fargo says it doesn't go against there policy for fraud. Its over {$9000.00} {$9200.00}
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX