davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
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: SUNRISE CREDIT SERVICES, INC (TN)

XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (CA)

XXXX called from XXXX First Point Credit Collection and stated i owed over {$400.00} to XXXX XXXX XXXX  For a XXXX  XXXX  i have not had. She said it was for invoice XXXX on XX/XX/2018. 

I find scammer information about this that is very similar. 

I contacted First Point credit and they have no record of debt. They are receiving numerous calls about similar issues. Also XXXX XXXX XXXX is out of business.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

I received {$64.00} in a transfer to my Paypal account. I had previously filed a complaint through my credit card ( XXXX ) for an item I'd paid for via Paypal - that complaint with XXXX was resolved. 

Paypal will not let me access my account funds. It advises that I need to upload XXXX statements and bank statements and utlity bills to prove my identity, and I have tried to do so MULTIPLE TIMES, but it will not let me upload them. They are all in PDF, all fit the size constraints.
Consumer complaint received 2020-10-29
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)

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, Experion and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, experian and so. 

Regards, XXXX XXXX
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions (NJ)

I applyed for XXXX XXXX 3 years ago and was put on a payment program. Last year in XXXX I was suppose to be done with all payments and my creit was suppose to be fix by XXXX of XXXX. I'm trying to reach out to them about my credt becuse this is the day that my credit stil not fix and they are not providing a fair answer or to be fair no answer at all. The costumer support line is not opperating.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DC)

I paid my mortgage on XX/XX/20, it also auto drafted from XX/XX/20. So I was charged twice. I called my mortgage company to inform them of the error, they confirmed that two payments were made both my manual and the auto draft. The representative told me not to worry and that they will do further investigation and someone will contact me back. I did not receive a return call or any type of notice until I received my mortgage bill stating that I owed for both XXXX and XXXX. Instead of refunding the auto drafted payment in XXXX, they refunded them both, and failed to provide notice any action was taken. 
They reported to the credit bureaus that I missed the payment although I did not miss that payment. I called them again to inform them that I was not 30 days late and explained the situation to the representative. They saw the error in there system where I was charged twice and that they refunded both payments instead of one, and they agreed to wave the late fee. Once they waved the late fee, I paid the amount due in full. I was informed that I had to send an email to dispute the credit reporting which I sent an email on XX/XX/XXXX explaining the situation. I did not receive anything until XX/XX/XXXX, a generic letter stating that they are right and their decision to report stands. 

If they had only refunded one payment this would not have happened or if the would have informed me what was being done in regards to the payment, this could have been avoided. This is unfair, and a violation of the FCRA. This is an error on their end. I should not be punished, and my credit should not have to suffer for their mistake.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Check Recovery Bureau, Inc. (CA)

A guy named XXXX said he was looking for a woman who was not me ( I am a man ). I told him I was not that woman and that he should not call anymore. He continued to ask about her and I told him I did not have any information about her. I told him not to call me anymore and that I had received calls from his company before regarding this same person. He then got verbally abusive with me and argued with me and then hung up the phone. He called from the number ( XXXX ) XXXX
Consumer complaint received 2020-10-29
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)

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about CITICARDS CBNA # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with citibank officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with Citibank, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with Citibank with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX  and so. 

Regards, XXXX XXXX
Consumer complaint received 2017-09-18
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. (TX)

I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$710.00}
Consumer complaint received 2021-07-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft INFINITI FIN SVCS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

I HAVE A TD BANK ACCOUNT REPORTING ON MY CREDIT REPORT AND AS A FEDRERALLY PROTECTED CONSUMER I HAVE BEEN STUDYING CONSUMER LAWS AND I KNOW MY POWER AND RIGHTS I NEVER GAVE ANY WRITTEN PERMISSION TO TTD BANK TO FURNISH ANY REPORTS TO THE CREDIT REPORTING AGENCIES NO CONSENT IS IDENTITY THEFT I NEED THE ACCOUNT REMOVED FROM MY CREDIT REPORT WITHIN 4 DAYS OF RECEIPT OF THIS NOTICE I HAVE ATTACHED AN FTC LETTER.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

`Hello, I have monitored my credit score for years with an Experian account. I have it on my cell phone to monitor it closely. On XXXX XXXX I get the usual notification about my credit score increasing by XXXX points. On XX/XX/2023 I get another notification, this time it made me lose my mind, Experian was stating I NO LONGER have a credit score. I called them right away, same day! I spoke with 3 different rep 's I spent an 1.5 on the phone with Experian trying to get an answer and hoping that they will be able to figure out their mistake, the 2nd rep said he needed it to transfer my call because he said it was really weird that yesterday I had a score and today it disappear, last Rep was with client services. She clearly told me that there was NOTHING Experian could do, that this only happens when accounts are NOT active or the accounts are closed, she continued and ask If I had open credit cards at this time??? I told her there must be an error 'I have abt 14 lines of credit '' she said that I needed to contact my credit cards and ask them to report because they are the ones that are NOT reporting to Experian!!??? Please help!! Attached you will find the screenshots of my notifications, this makes no sense I have ben wasting a lot of time on the phone with Experian risking my job! My HEALTH!!!
Consumer complaint received 2021-10-14
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)

Experian is reporting XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from on time and the next month 90 days late. Experian is required to report only accurate information.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several inquires on my report that I did not authorize or recognize, please delete immediately. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries XXXX XXXX I never authorized these inquiries XXXXXXXX XXXX I never authorized these inquiries
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OH)

I owe a mobile phone bill with XXXX I made an arrangement with sequium asset solutions. They said they would do automatic withdrawal from my checking. They said they would not report this as a collection to credit bureau. I am rebuilding my credit and would like this removed. dated XX/XX/19 company is Sequiuim Asset Solutions address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GaXXXX. They started withdrawal last month and I want them to continue untildebt is paid but do not want this to show as unpaid collection.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co. (GA)

This company has been a nightmare to work with. After 6+ weeks working on our mortgage and being told " everything is good to go '' we find out at the last minute ( 2 days to go ) that everything is delayed. We are well qualified, have a substantial down payment ( around 40 % downpayment ), have provided everything they asked for, and have been assured that there are no problems. Then they dropped out of contact for about a week on XX/XX/XXXX ... We have sold our current home and the buyers are to take possession this weekend. We are scheduled to close the purchase of our new home today ( Thursday ) - the seller of that house needs the closing proceeds to purchase her new home on Friday. We have contracted with a moving company ( a 2-3 truck across state line move ) for tomorrow, Friday. The penalty for delay with them is $ XX/XX/XXXX/truck/day. I have repeatedly asked XXXX to speak with someone else at XXXX - someone who has authority and answers. I did speak with XXXX, who said he would have his boss XXXX contact us, but it hasn't happened. Although promised repeatedly, we have yet to be provided with an interest rate or closing disclosure. The processor keeps asking for one little document ( often one we've previously provided ) at a time. Then apparently everything goes back to the underwriters and the whole cycle of " we just need one more thing '' starts all over. Every day we are promised the closing disclosure and it hasn't happened. We still have no real confidence that this loan, that was supposed to close on the XXXX, will close anytime soon. We have a buyer wanting to move in our ( now sold to them ) house. We have movers scheduled for tomorrow ( XXXX ) who will charge us $ XXXXday/truck if the move is delayed or they end up with our stuff on their truck and unable to deliver because we haven't closed on the new house. We have a seller in SC waiting for us to close so she can buy her new home and move in as she's contracted to do. I am obligated to have a professional top to bottom cleaning of the house we've sold and it's stacked with boxes and furniture that we can not move. The cleaning company has to try and reschedule their other work to be available to clean here if/when we can close on our new house. We applied for this loan on XX/XX/2020 with a closing date of XX/XX/2020. I wish I had documents to attach to this, but other than emails promising we will get something soon we haven't received anything. I hope this will get their attention, and also will give a heads up to those thinking of doing business with this company.
Consumer complaint received 2020-11-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NY)

I received a letter about an alleged debt in XXXX stating that I owed them an amount for of {$400.00} for the last payment of the vehicle and received another notice a few days letter telling me I owe an additional {$2000.00} for the wear and tear of the vehicle. I sent over a verification letter to find out more information about this alleged debt in XXXX, and never received anything other than a bill/statement telling me how much I owe. I then sent over a letter letting them know the multiple violations they have commited towards me pursuant to 15 USC 1692 on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive ANY communication from them letting me know how they are going to rectify how they have violated my consumer rights blatantly.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WI)

Since my mother 's death in early XXXX and my discovery at that time of a Coinbase account in her name, I have -- as her next of kin and former PPOA -- attempted repeatedly to contact Coinbase support to obtain access to her account. Multiple initial attempts to use their online customer service support form to file " obtain access on behalf of a deceased account holder '' didn't even result in a single automated response. They do not offer phone support or publish an address for postal contact, so at the time I was stymied. Finally, on XX/XX/XXXX, I created a Coinbase account of my own on the suspicion that their automated form simply refused to email anyone that didn't have a registered account ; this proved correct, and I received another automated email listing all the documents I would need to supply in order to successfully request access to my mother 's account ; their instructions were to then " contact them '' once those were uploaded. 

I uploaded those documents -- death certificate, etc. -- and both replied to the automated email and resubmitted the form, not being sure what other form of " contact '' might be useful. It has since been a week, and I have not heard back from anyone ( and, more importantly, am not even sure how to follow up. ) I want to emphasize that I have no idea how much money is in my mother 's account and would not be doing business with Coinbase at all under my own initiative, so their complete inaccessibility is doubly frustrating. 

This is the text of their automated reply ( once I created an account to receive one ), sent XX/XX/XXXX : " Dear XXXX, We are saddened to hear about your loss. 

To help us process this request, we will need copies of the following documentation : 1. Death Certificate 2. Last Will and Testament - AND/OR - Probate Documents ( either Probate, Letters Testamentary, Letters of Administration, Affidavit for Collection or Small Estate Affidavit ) 3. Current, valid government-issued photo identification of the executor named in the Letters Issued 4. A letter signed by the person ( s ) named in the Probate Documents  instructing Coinbase on what to do with the balance of the Coinbase account Additionally, we will need the email address of the account holder. If there are more than one possible email address, please list them with the most probable email address at the top. 

You can safely upload these documents here : https : XXXX Take as much time as you need and contact us when you are ready and the documents have been uploaded so that we can continue with the review. 

If you have any additional questions about this process, reply to this email and we will be happy to answer. 

Thank you very much for your patience and help. 

Regards, Coinbase Support ref : XXXX : ref ''
Consumer complaint received 2020-11-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

The Chase Slate card and the Chase Saphire card in the middle of the Cobid -19 crisis without ever having had a late payment and with low use of the card and without having used it in the middle of the pandemic crisis. They have decided to lower my line of credit. The Slate card with a line of credit of {$6800.00} and only having spent {$2200.00} lowered the credit to {$2600.00} and the Saffire card of {$6000.00} with an expense of {$3900.00} under & XXXX. I think that in this moment of crisis the credit cards are abusing the client because this affects my credit score. I live in Florida, I am still in mandatory quarantine and they have acted abusively and disrespectfully towards me as a client.