davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I have sent several letters to Equifax stating the inquires was without my permission, I have several inquires that have high impact. The representative stated '' I had to make a complaint before anything can be remove ''. Please assist me with you help please.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (DC)

XX/XX/XXXX of 2019, I received an item delivered to my house that I did not purchase. I called Chase bank to make a fraudulent report of the purchased item since it was not purchased or authorized by me. Additionally, I called XXXX the seller 's carrier to make a report of the same item. Chase bank went ahead and canceled my Chase bank card which number was ending in XXXX while the matter was been investigated. XXXX simultaneously sent an acknowledgment letter to me stating that the matter was being followed up with a note to the seller in order to return the item. While waiting for the matter to be resolved, I received an online invoice or statement on or about XX/XX/XXXX, stating that there was an additional purchase made on the XXXX 's account that was canceled about 10 days ago, while I am in expectation of the new Chase Bank card in the mail.I spoke with Chase representatives several times and assumed that because I have my bank account on file that shows sufficient amount to pay off in surplus this fraudulent debt, they refused to listen to me and requested each time that I make a payment with my account on the Chase bank system. The irony was that I did not receive any card from Chase bank to replace the canceled card, neither did I activate it. Chase bank has destroyed my credit record and now I cant buy or sell
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc. (NC)

I haven't ignited the account this company is placing on my consumer report. I tried numerous of times to delete this information from my consumer report and the company did comply by removing the alleged debt from my consumer report. However, they are still reporting the account on the other two reporting agencies. Instead of a deletion the company decided to decrease the debt 50 % turning alleged debt to {$3500.00} then months later sent another letter decreasing the debt more, now the debt is {$1700.00}. However, on my consumer report the debt is still reporting {$3500.00} which is misrepresentation and additionally ignoring my originally request which is to have the alleged debt deleted. I haven't received any supporting documents stating that I started the alleged debt or how the debt was verified by the company.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XXXX reported a bankruptcy to my credit report 4 years ago in error. I have since called XXXX and they have removed the XXXX from my record and they sent me a letter to confirm deletion. I have disputed the XXXX  report with Experian and send them the letter XXXX sent me and Experian is refusing to remove the XXXX from my credit report. The XXXX  needs to be removed from my credit report because it is invalid and inaccurate
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (AL)

I asked for a validation of debit and was sent a full medical bill which is a violation of Hippa! It had exact procedures when I know about the Hippa law and I know I didnt go to the hospital nor sign a Hippa release form giving permission to let a debit collector get my medical records!! I am behold disappointed and plan on hiring a legal team for my pain and suffering!! This is the only negative item I have on my credit! Im very upset and have been battling this for over a year!!
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (GA)

I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX  days and still no response these issues are causing me pain and suffering and humiliation
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-05-11
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. (GA)

XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
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)

I do not know XXXXXXXX XXXX  - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing XXXX XXXX Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification. 

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2021-03-30
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  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX. I disputed about XXXX XXXX XXXX. I contacted XXXX XXXX. They had my wrong address on file. I never received anything via mail. Just that it hit my credit report. I called several times to XXXX to try and correct the issue but XXXX an employee at XXXX in credit department said all I can do it dispute the problem I offered to pay the debt to get it off my credit report. XXXX said I couldnt I have to dispute. I disputed and it is still on my credit. I dont understand what they are trying to do other then hurt me for no reason. Its bad enough with Covid. XXXX has been fraudulent and misleading since day one. They are horrible to work with. I never once stayed at there facility or used my account. My credit otherwise is impeccable. There was no report till XX/XX/XXXX. The account was open in XX/XX/XXXX. I have been trying to cancel this timeshare since a week after I opened it. They have been giving me the run around. All fraud.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX DATE : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXXXXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX  XXXX DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>. 
XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Thank You for Your Help.
Consumer complaint received 2022-04-27
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: Global Lending Services LLC (AL)

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 ) - Global Lending Service ( XX/XX/2021 ) - XXXX XXXX XXXX XXXXXX/XX/2021 )
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

We submitted a complete financial package on XX/XX/19. Approx. 30 days later we reached out due to another request for a paystub and were told that the original submission is acceptable and that we would receive and answer in 30 days. On XX/XX/19 another letter was mailed asking for paystub info. Called and was informed that paystubs were not legible. Mortgage now almost 90 dpd. Request in their hands since XX/XX/19. I am filing a complaint with the State Attorney General’s Office as well. XXXX XXXX/PHH are negligent in their handling of this account/modification process and need to be investigated.
Consumer complaint received 2019-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian investigated to why an acct called XXXX card shows good status and bal. being paid but does not show payments made, and came back as fixed but still showed {$0.00} payments made for all payment history!! Please fix this. Thankyou see info below. 


Updated XXXX XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before JXXXX XXXX Account Name Account Number Credit Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 25 Monthly Payment {$3000.00} Credit Limit {$930.00} Highest Balance NA Terms {$670.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY ...
Consumer complaint received 2021-10-17
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. (NV)

On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.