davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (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 2022-11-19
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Consumer complaint received 2020-01-27
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. (NC)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ProCollect, Inc. (TX)

Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.
Consumer complaint received 2021-03-01
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: CITIBANK, N.A. (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 2020-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

XX/XX/XXXX called mortgage company I am out of work due to covid and coverage under cares act mortgage company is playing game called 6 times every time told it was fixed called yesterday collection department and XXXX said from mortgage company alot of people dealing with same issues as me I called fha for help called hud last week called me but I am scared losing my home all people at mortgage company say same thing it will be fixed and nothing happens i am at my end of line need help please
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have been trying to get access to my account with Coinbase for 3 months. I have an account tied to a student email address at a school which I no longer attend and I can not get access to said coinbase account, as I no longer have access to this email address. I still have the username, password, and the 2 step authentication still comes to my phone - but I can not verify the account via the email address. I have talked to coinbase numerous times, and they are never helpful. They actual told me that everytime I call of email, my request actually goes back to the back of the line. They say the best way to resolve this issue is to stop calling and wait. I originally contacted them in early XX/XX/XXXX, and I contacted them roughly 10 times between then and XX/XX/XXXX. I stopped calling them at this point in hopes that they would give me access to my account so I can withdraw my funds. They have done nothing. I need someone to help me gain access to my money, as coinbase is doing absolutely nothing to help me.
Consumer complaint received 2021-03-01
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: Paypal Holdings, Inc (CA)

The following transaction on my card on XXXX of XXXX, 2020 is a case of fraud. 
Merchant : Paypal specialtyst XXXX CA Date : XXXX XXXX, 2020 Amount : {$240.00}
Consumer complaint received 2020-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On Monday, XX/XX/XXXX, I was notified by Experian that my FICO score had dropped 8pts. I have made every single payment on time and have no recent activity that shouldve caused my score to drop. Experian was not able to provide any reason for my score drop. In XXXX of XXXX, I submitted a previous complaint about how credit reporting agencies had reported a 24pt drop in my FICO score that was caused from paying off the balance on a high interest loan. I have patiently waited for my score to slowly climb back up. I need to know why my score has again dropped for no apparent reason. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB (FL)

I didn't like the way they collected payments, so I paid off the loan in its entirety before the first payment was due. Then I requested they close the account. That was in XX/XX/2019. As of this date, I have called them back two additional times and they have still not closed the account. It is XX/XX/2019 today. They keep promising, but they never close the account.
Consumer complaint received 2018-10-04
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: Rocket Mortgage, LLC (FL)

I am a XXXX years old XXXX, XXXX, having as only income SS XXXX. 
Last year, XXXX  sent me a letter warning me that their consumer 's files have been hacked and my was one of them. 
As a result I was monitoring my credit report profile. 
On XX/XX/XXXX a inquire from Quicken Loans was showing in my file. 
I complained to them that it was not mine. 
As a clear prove, I am a XXXX years old XXXX person living on social security only. 
My house is fully paid and for my age and health conditions it is not my intention in to have a mortgage. No now, No never! again : my house is fully paid. 
I complained to both, credit report bureau and Quicken loans. 
After one year of complaining I finally got a phone call today XX/XX/XXXX from Quicken Loans. 
They don't want to accept only my clear reasons why I was not the person who request a mortgage ... the reason that my credit profile was hacked is not enough ... the reason of my health condition is not enough, the reason of my age either ... 
Maliciously, the want from me to have a police report ( police doesn't want to make a report about this civil issue ) I do not have other choice than complaint to you and ask you for your help. 
I began to believe that it has been Quicken loan who has pulled out my credit report without my authorization! 
They do not care if I am a handicapped old person. It seems like they want to punish me by asking me to go to the police to fill a report??? 
See attached email. 
Please help.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (VA)

I called Corelogic Rental solutions to verify if they received my request via fax for a consumer report, which I'am entitled to every 12 months. The gentlemen I talked to told me that me doesn't have my ss # on file and no info on my name and social security number. I think asked if he can see if I have my XXXX XXXX. He told me there isn't, but I have a letter from the company stating my XXXX is in place. I called back and spoke to a woman. She informed me that they did not receive any fax of a request for a consumer report because their fax isnt working. SHe told me to e-mail. I then asked her what e-mail? The fax for consumer report request only states fax and mail ( I did sent a certified mail request that hasn't been picked from from the post office ). SHe then hung up on me.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$150.00} XXXX {$880.00} XXXX {$27.00}
Consumer complaint received 2021-06-23
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. (NY)

on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the XXXX  data breach and would like these errors removed from my credit profile as soon as possible.
Consumer complaint received 2021-09-17
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. (MD)

I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stating that they agreed the address is fraudulent and had removed it. In XX/XX/XXXX, they put that same address back on my credit report. I filed a complaint with CFPB and Equifax removed the incorrect address. This year ( XXXX ), I see that the same address has been returned to my credit report by Equifax. This company is clearly engaging in fraudulent practices. They have received proof multiple times that this address is tied to identity theft, yet continue to put it on my credit report.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have been receiving emails from Bank of America that provides sensitive 3rd party private information for a collection debt. Ive written Bank of America and advised them they have the wrong person and they are in violation of FDCPA 3rd Party Disclosure.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

In or around early XX/XX/XXXX I had experienced another hardship due to Covid-19 and on XX/XX/XXXX, immediately contacted Rushmore Loan Management Services via my RLMS account email for procedural information. On XX/XX/XXXX, I received an email response from the Servicer indicating that I could go to their website and apply for the extension. On XX/XX/XXXX, I received confirmation from the Servicer my payment of {$330.00} had been applied for XXXX. 

On XX/XX/XXXX, I went to the Rushmore Loan Management Services website to apply for the Covid-19 Relief. Upon completion of the application, the system advised me that I would be contacted in 10 days. I was never contacted by the Servicer regarding the status of my Covid-19 application. 

On XX/XX/XXXX, Rushmore Loan Management Services XXXX contacted me and left a voicemail for me to return her call. I immediately returned the Servicers call and spoke to XXXX who indicated the reason for the call was for XXXX payment of {$330.00}. I indicated to XXXX that I had initially applied for the Covid-19 Relief and that I retained a Declaration of Hardship form drafted from the XXXX XXXX XXXX Website. XXXX requested that I complete another application and email the completed Declaration of Hardship form to XXXX. She stated I would receive a response in 10 days. However, I immediately applied for a second time and provided the Declaration of Hardship form to the provided email. 

On XX/XX/XXXX, I received the enclosed Notice of Collection instead of a response to my Covid-19 Relief application. I am outraged that the Servicer has disregarded my Hardship and seeks to accelerate their attempts to collect payment. The Servicer is in clear violation of Federal/XXXX  XXXX laws as they pertain to individuals impacted by Covid-19. Their website clearly displays the following : If you are impacted by covid-19 we are here to help. In addition, the Servicer has violated their policy of not contacting me within the specified timeframe of 10 days after completion of the Covid-19 application. To this date, I have not received any response to any of my applications regarding Covid-19 Relief. I am requesting an extension/moratorium from the Servicer due to financial reasons impacted by Covid-19. I have provided the Servicer with 2 online applications and the Declaration of Hardship form.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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. 


Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-15
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. (TX)

I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX XXXX XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.
Consumer complaint received 2023-04-05
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. (UT)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-07-13
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)

XX/XX/2020 I submitted a written 609 complaint to Experian regarding 2 collection accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AFTER I had been disputing with EXPERIAN regarding the same collections, which had been removed from my account ... .now under the new names listed above. 

XX/XX/2020 I received an email from Experian regarding their investigation which ( Experian stated ) came back verified as my account XX/XX/2020 I sent a 623 letter to XXXX XXXX regarding the alleged debt XX/XX/2020 I sent a " second '' request to Experian in a 611 letter with no reply XX/XX/2020 I receive a letter from XXXX XXXX stating that there is NO ACCOUNT BELONGING to me and per XXXX XXXX " A REQUEST HAS BEEN MADE TO REMOVE THE INFORMATION FROM MY REPORT '' On XX/XX/XXXX I receive the most ridiculous reply from Experian and I quote : It didn't " appear '' that I was the one disputing '' so they ( Experian ) decided to do nothing, meanwhile my credit is taking a nose dive due to inaccurate reporting.