davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (TX)

MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

In XXXX LVNV Funding collection agency placed an unknown account on my credit and decided to sue me for it. I answered the complaint and appeared in court- however a representative from LVNV Funding did not show so the case was dismissed. Case # XXXX. After that, LVNV Funding continue to place the account on my credit every year. Once I dispute it- it gets removed. I need for the harassment and the bullying to stop. I was in the middle of financing and was denied because of the account being placed on my credit.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

Just got off the phone from talking to three different people in three different departments from American Express. They closed three of my personal accounts back in XXXX. They said because they saw a charge of around {$750.00} from my XXXX XXXX to a " business I 'm affiliated with ''. It was for my tithes to my church. I told them I 've been with XXXX for 16 years. I 've always given my tithes and offerings to my church with my cards. I am a XXXX but they said people could be funneling money to themselves. And because it was a system shutdown there is NO APPEAL for reinstatement. I tried to get in touch with them on their Online Chat but they could never answer my questions. I tried numerous times over the past couple months but finally today I got in touch with the right people. I said how could you guys close my account and not officially review it with natural eyes instead of some computer system.
Consumer complaint received 2023-01-28
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. (MI)

I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX of 2021 and a second payment of {$1000.00} in XXXX of 2021. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am a victim of hurricane XXXX and was offered to place my morgage payment on hold till XXXX XXXX with no penalty under the civil relief act. I made a agreement with carrington morgage to pay back by XXXX XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over carrigton website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

Hi, As a victim of the XXXX hack I am trying to set a freeze on my credit reports. I noticed that XXXX does not charge XXXX residents who have been hacked while Experian does charge XXXX  residents without giving them an opportunity to indicate whether they have been a victim of identity theft. 
I signed up for both of the freezes today on XX/17/2017 between XXXX and XXXX. 
I tried to resolve this unwarranted charge of {$10.00} through Experian 's website but was unable to do so. 
I 'll let them know I am placing this complaint with CFPB, but if there 's any other way I can help please let me know. 
Thanks
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXXNavy Federal Credit Union sold three of my credit accounts to XXXX XXXX, and all the accounts began to report XXXX balances. However during a time period beginning XX/XX/XXXX and continuing through XX/XX/XXXX the accounts began to show balances, but not all at once. Beginning on XX/XX/XXXX ( Appendix A ) there were no balances reported on the accounts. On XX/XX/XXXX, the first of the previously sold accounts reappears with a balance ( Appendix B ). On XX/XX/XXXX the second of the accounts reappears with a balance being reported ( Appendix C ). As of XX/XX/XXXX all of the sold accounts are now reporting balances ( Appendix D ). These balances are being reported to all three credit reporting agencies. Additionally, these accounts are reporting seemingly random last activity of payment dates. All activity on these accounts ceased at the end of XX/XX/XXXX. I have attached a credit report from XXXX  dated XX/XX/XXXX that shows the proper last activity and removal dates that range from XX/XX/XXXX through XX/XX/XXXX ( Appendix E ). I only provided the pages that were related to my complaint.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I 'm trying to have my refund settlement check re-issued by ACE CASH EXPRESS, INC.REFUND ADMINISTRATOR. The Date of issue was XX/XX/XXXX which has been over 90 days, due to medical conditions, including XXXX  from XX/XX/XXXX thru XX/XX/XXXX I was not able to handle my business. This check was for the amount of {$290.00}. I have called the phone number on my correspondence letter, that my check is attached to, I have e-mailed & wrote a certified letter on XX/XX/XXXX to the Ace Cash Express Inc. Corporate Office. No response from any form of my comunications. My complaint is I want my check re-issued. These funds have been allotted to me.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

These accounts with CAPITAL ONE BANK USA N with account number XXXX and XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account
Consumer complaint received 2021-04-21
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. (NC)

In XXXX XXXX, I found XXXX XXXX charged several purchases to my Chase credit ( ending in XXXX ) with the receipts not my name/address, but to another person.I reported Chase to deny these charges, Unfortunately on XXXX. XXXX Chase rebilled me again to my newly issued card ( ending in XXXX ) without my permission. 
On XX/XX/XXXX, XXXX XXXX from Chase called me asking me if somebody stole my credit card. I told her I am unaware if the credit card number had been stolen, Especially I was in XXXX from XXXX, XXXX until XXXX XXXX, XXXX, still showed 5 charges in my statement with the receipts not my name /address, but to another person. I never give permission to XXXX XXXX to do in this way, Chase should be credit back to my credit the amount. 
On XX/XX/XXXX, Supervisor XXXX from Chase called, she said she couldn't give me her last name, and her Chase employee number she said she has evidence of my physical card being inserted into the chip reader, I told her even if my physical card was used, the receipts provided by XXXX XXXX  show the purchases were done by another person and a mailing address that is not mine. She forced me to pay all of the amount.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to demand the immediate deletion of several fraudulent accounts from my credit report. Despite repeated attempts to rectify this matter, these fraudulent entries persist, which is entirely unacceptable XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (FL)

1. Around XXXX 2017 & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with XXXX XXXX attached will be the 3 recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to XXXX XXXX & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which XXXX XXXX told us was OK to release to them their attorney.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (VA)

I 'm next to livid with all three agencies in the wake of the XXXX breach. First, no consumer should have to pay a fee to safeguard their financial identities and livelihood because of irresponsible reporting agency actions. It 's infuriating, and I plan to contact state legislators in Virginia about a fix. 

Second, I 've successfully frozen my report at 2/3 agencies. Experian has proven to be the least user-friendly site. It asks for your credit card information BEFORE verifying your identity. And multiple times, I 've attempted to place a freeze online to be told I can not be offered this service at this time and that I 'd need to MAIL them a host of documents verifying who I am. It seems infuriatingly odd to me that they are making it as inconvenient as possible to freeze your report. Additionally, there 's no easy way to speak with a customer representative when trying to file online. It 's online ( unsuccessfully ) or via certified mail, another cost to the consumer, or not at all. 

Additionally, I have issues with their previous address field. They often have specific requirements for how you enter the address and no guidance on specifications for that field to ensure it works seamlessly with their identity verification system on the backend. This can result in failed attempts as well with NO GUIDANCE as to how addresses should be entered into the form with multiple parts ( like apt . # 's, etc. ). 

Quite frankly, these companies are the WORST! The balance of consumer and business interests is way out of whack. XXXX would not accept my debit card to pay for this freeze, and I went with an alternate payment card, but still had THREE attempts from them on my pending transactions list at my bank, which they 've assured me would come off in 3-5 days. Yet, my bank can only see one of the transactions has been manually cancelled.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (NY)

I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cheek Law Offices, LLC (OH)

In XXXX Cheek law of LLC Petitioned XXXX county court to revive an old debt from XXXX. 
I explained to both the courts and cheek that I was on a fixed income of {$720.00}. per month yet the court granted these vultures access into my life for a debt which I had already paid for with 7 years of bad credit.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc. (TX)

I include attachment for successful purchase from Coinbase online Coinbase.com for XX/XX/XXXX using my XXXX XXXX ending in XXXX. I am including an attachment showing Coinbase rejecting same card XX/XX/XXXX and another for XX/XX/XXXX. I submitted tickets to question why I was able to use this card for a {$3000.00} purchase the same day to an investor. My bank in each case said that there is not a problem with my card account. Coinbase has complaints about these problems and they will not tell me why I can use this card for hundreds of dollars of purchases with XXXX online and they are rejecting it. I tried another bankcard ending in XXXX and they rejected it also. Coinbase has a XXXX option but unlike all others do n't allow BUY selection only SELL selection. They claim I ca n't send them a cashier 's check. So I purchased a {$150.00} prepaid XXXX XXXX gift card and when I entered it they state their policy is not to honor prepaid cards. I finally got through on their ( XXXX ) XXXX custmer service and asked XXXX why they had not solved my XX/XX/XXXX ticket and he said they have millions of backed up emails to solve. I need their product in order to use a {$3000.00} product and I had already done business with them in XX/XX/XXXX successfully with the XXXX card.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is the debt collection place and they havent stopped blowing up my phone since XXXX, even after changing my number, blocking every number they call from. Last phone call was on XXXX XXXX, XXXX at XXXX. They know I have had my identity stolen and am going through the XXXX process and they still wont stop.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-08-14
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. (KY)

I received a copy of my credit report and noticed some hard inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX