davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (UT)

My account has been accessed all the time by this XXXX XXXX XXXX promotional inquiry. I have never accessed XXXX XXXX XXXX, a Discover card or anything of the sort. This is deeply troubling and alarming how often this has been checked. 


XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This company has posted two accounts to my credit report without sending me any communication and right to dispute. 
I have attached documentation to the company who sold both accounts disputing and they still sold the to IQ Data. These accounts are bogus and should not be on my credit report. I have also contacted the attorney general of Texas and Washington about this issue.
Consumer complaint received 2018-01-11
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. (TX)

This company is representing an apartment complex I lived at. After two years they  are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Consumer complaint received 2019-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Since I graduated with my XXXX in 2013, I have had trouble financially being able to make payments towards my student loans. From being unemployed to having a job, living with more than 5 people in a single household, to now only having a job that makes me {$31000.00} a year before taxes. Navient never puts into account how much I make a month after taxes, and how much I have to pay in bills. I cant even afford to pay for my own health insurance, how can I afford to pay towards student loans. I now owe over $ 100k in student loans after all the interest stacked up. I dont think Ill ever be able to pay this off. My main complaint is that they dont provide support and when you go to make a payment on the due date, they charge you a late fee and then make you also pay for the next months balance. Im furious! How is my payment late if Im paying it on the due date? Thats preposterous! I absolutely refuse to pay for next months payment on top of this months payment. Im barely making ends meat and they have the nerve to try to force me to pay both this month and next months payment? They dont even give me the option to only make the payment for this month. This is wrong.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I mailed a dispute letter to Equifax on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Consumer complaint received 2021-09-09
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. (TX)

XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing XXXX XXXX XXXX as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. XXXX XXXX XXXX is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and XXXX XXXX XXXX never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to XXXX as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off XXXX in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by XXXX XXXX XXXX from Capital One Auto Finance, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both Capital One Auto Finance and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and Capital One Auto Finance.
Consumer complaint received 2021-09-09
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. (TX)

XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never had any business with Portfolio Recovery Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this supposed debt or to have it removed from my report. I have not received validation and verification in the form of any acceptable document. I have two unverified accounts reporting on my credit reports from Portfolio Recovery Associates.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt you claim I owe. I continue to request that PRA provide verification of the following : the original Application or contract with my signature and an itemization of the costs, including an accounting, for all purchases, charges, interest, or other fees placed on these accounts that you claim I owe. Sending a copy of a billing statement does not constitute verification of the account or demonstrate in any way that I am responsible for these accounts. Please provide an original consumer contract. Copies of old billing statements do not constitute verification or my signature. I am enclosing a copy of the billing statements PRA considers verification.
Consumer complaint received 2020-07-08
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. (GA)

I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (AZ)

On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.
Consumer complaint received 2018-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (GA)

I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

In XXXX an overpayment was made to my escrow account with Loancare in excess of {$2000.00}. A check was mailed out as reimbursement, however I did not receive that check and was only made aware of it when I was notified by Loancare that we had not cashed the check. The noticed indicated that I should contact a XXXX XXXX to have the check reissued, however I have never been able to get in touch with her. My mortgage was then sold to XXXX XXXX in XXXX, making it even more difficult for me to contact anyone regarding the overpayment of my escrow with Loancare. 

This battle has been going on for years. I contact customer service, customer service tells me to email customersupport@myloancare.com with the subject of Attn XXXX XXXX, I get assigned a ticket number, and all communication stops. Over and over and over again. 

The most recent communication I have from them dates back to XX/XX/XXXX when I initiated another claim. I was assigned a ticket number on XX/XX/XXXX with a promise someone would be reaching out shortly. In XX/XX/XXXX I reached out again stating that I had not been contacted regarding the referenced ticket number. I received a response on XX/XX/XXXX stating they were looking into the matter and have heard nothing since. 

Today, XX/XX/XXXX, I reached out to LoanCare again and learned that customersupport@myloancare.com was decommissioned 2 months ago. I waited to speak with a supervisor, however none were available to speak with me. I am now at a loss on what to do to recover my money and need any assistance I can get.
Consumer complaint received 2019-10-20
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: Experian Information Solutions Inc. (CA)

Provided experian with proof that the first date of delinquency was 2 years prior to what the creditor/collection agency has listed as the charge off first date if delinquency. The creditor falsified the date and verified to experian their false date and despite the proof Experian failed to change the date siding with the creditor.
Consumer complaint received 2017-09-26
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. (CO)

Regarding the XXXX 2017 Equifax data breach, and my attempts to mitigate the risk attached with this. There is no reasonable course of action possible for me to offset the risk of the data breach without myself incurring a financial cost. In other words, I as a consumer am being punished financially - not only in the form of potential future identity theft - but also directly in the form of Freezing/Unfreezing fees across the three credit reporting agencies. As a married couple in Colorado, it is completely unacceptable to have to pay {$60.00} any time we want our credit report unfrozen. Anticipating that this will need to be done numerous time throughout our lifetime, this represents a substantial sum.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX my account on cryptocurrency exchange gdax.com owned by CoinBase Inc. was temporally suspended without any explanation why and what happened to cause my suspension ( see pic 1 ). Right the way I contacted their customer support email that they show on their website but for my surprise that email is disabled. ( see pic 3 ). Found another email and emailed it on XX/XX/XXXX. ( see pic 6 ) After I did not receive any response from them via email tried to contact their customer service phone XXXX. After multiple calls even after being on hold for over an hour and a half I was not able to reach any of their representatives ( see pic 7 ).

At the moment of suspension my account on gdax.com had : Lightcoin XXXX coins worth {$2800.00} on XX/XX/XXXX Ethereum XXXX coins worth {$5600.00} on XX/XX/XXXX US dollars about {$3500.00} ( See pic 2 ) Recently I found out that I 'm not able to add bank account for withdrawal of my money ( {$4000.00} ) from coinbase.com also owned by CoinBase Inc. ( see pic 5 ) I can not believe the biggest cryptocurrency exchange in the US has such a poor customer service.From what I read online in reviews and forums hundreds of people are in the same situation as me and their money put as a hostage of CoinBase Inc.  Denying access to funds for thousands maybe millions of dollars to me and many more customers out there should be unacceptable but it seems like it is becoming norm for Coinbase Inc.
Consumer complaint received 2022-08-10
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)

Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both equifax and XXXX. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (DC)

There was a charge on my account for a purchase that I never physically received. This charged was on XXXX XXXX, 2017. I then went on vacation and came back injured. I XXXX XXXX XXXX in my XXXX and XXXX my XXXX. During this time I was not aware or focused on the dispute due to the fact that I thought I could get in touch with the store to get a refund or at least a credit. 

Come to find out, the online store was a scam. I never received my product and now Best Buy told me that they ca n't do anything about it because I did not dispute it in a timely manner. I was injured and again, did not know the online store was fraud and I would not be able to dispute it with them. 

Best Buy then told me to fax over a written note to the investigators to further look into the matter and they would reach back out to me. This never happened. I faxed them what they requested in XXXX, and I still have yet to hear from someone.