davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (FL)

To whom it may concern, I live in XXXX  Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX  for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.

I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.

On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.

As a result, my credit score has dropped by 88 points over night.

After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.

At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.

I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX  XX/XX/XXXX Employee number : XXXX   XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.

My livelihood and my familys livelihood has been severely affected by your actions.

I kindly ask you to do only what you already stated that you will.

Please do not report negative status and remove the reports that you already made as quick as possible.

Thank you.

XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

I Contacted the Winn Law Group who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I contacted them at XXXX XXXX XXXX XXXX on XX/XX/21, XX/XX/21, XX/XX/21 and left messages on their voice mail system. I never received a return call. 

On XX/XX/21 I spoke with customer service clerk XXXX at extension 107. Faxed and emailed paperwork requested. 

XX/XX/21 -called to follow up and left a voice mail. 

XX/XX/21 -spoke with XXXX ( customer service supervisor ) informed her the requested collection was not my debt and asked the process to dispute this account. I was placed on hold for for 1 hour. I then attempted to call back and was forwarded to a voice mail where I again left a message. After calling and pressing another extension I spoke with an XXXX who stated " no one was available, and I could not speak with anyone ''. I asked to speak to any lawyer who was available and he then stated he would transfer me and the phone disconnected on the business end. I called back and was forwarded to voice mail. I left a message and yet to receive a return call. 


XXXX Left a voice mail.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocky Mountain Recovery Group (WY)

I received a letter dated XX/XX/XXXX stating I owed on an original creditor account number that was never mine. I disputed the debt in 2 separate letters, one sent by uncertified mail on XX/XX/XXXX. The other sent certified mail XX/XX/XXXX. I got a validation letter with a completely different account number in which I had already paid the original creditor and had a {$0.00} balance on. The collection company then said I owed interest of {$340.00}. Which they did not provide any proof or contracts that said anything about any interest that was due. Though they stated that I owed it to their " client '' even though I have a {$0.00} balance on the account with their client. Not only did they provide me with an incorrect original creditor account number to begin with and amount owed, they contacted me by phone before they even sent what they thought was verification of the debt owed. They decided to switch to the account number after I had provided them with the documentation I did not owe on the account. They have the incorrect date in which the account was paid. They just made up a number in interest and said I still owed their client. I don't owe them or their client any amount. They also contacted me by phone on XX/XX/XXXX where they left a voicemail. Any collection agency must state that the purposes for communication is to collect a debt. They failed to do so.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (KS)

On XX/XX/XXXX I called Comenity Bank customer service, to explain that I've been having difficult situation, asking for a payment plan, the representative at any moment told me that my account was closed, back in XXXX ( which I didnt know ) she just said " I will transfer with a department can help, they transferred me, and answer a guy named " XXXX '', at any moment he identified as a collection company, he right away asked for a payment, he not even mentioned or stated the collector statement " he was attempting to collect a debt .... '', I explained my situation and he all the time was pretending be a bank representative, he told me to pay {$340.00} and he promising to waived all my late fees which was {$100.00}. and then my credit card would be in good standing. I accepted and made the payment, and not even at the end he mentioned that was a collection company. I called back next day ( XX/XX/XXXX ) to make sure if {$100.00} wasn't credited on my account ; obviously, same thing happen, customer services transfer me to " department can help '' without mentioned that they were transferring me to a collection department, I spoke to rep. named " XXXX '' and she transferred me to " XXXX '' and finally they transferred me to supervisor named " XXXX '', none of them identified themselves as collection company representatives, of course without mention the statement of intent to collect a debt. I found out that something wasn't right, and after several question from me they told me that they wasn't the bank, that they were a collection company, I was peace off, why lie to me just to collect a payment, I told XXXX that I was going to cancel the {$340.00} dollars on my bank, which I did it, immediately after hang out with them. it is an unethical practice use a collection company that lie just to get payment from customer, without follow the proper protocol collection companies must have. Also ; Im still receiving regular monthly statements, on paper and by email, the last one was received on XX/XX/XXXX ; ( attached on documentation ) with NO information that my account its been canceled and transferred to a collection company.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by Cap One NA to open up a credit card. On XX/XX/XXXX my credit was ran by XXXX for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

Im writing because I noticed that a collection for XXXX XXXX XXXX XXXX for the amount of {$770.00} appeared on my most recent credit reports as being seriously past due. This is an erroneous account. 

The date of service for this account was XX/XX/2019 and was listed in my daughter 's name. On this date, my daughters and I were in a car accident in which we all received service at XXXX XXXX in XXXX, LA. On this date both of my daughters were adults and should have been billed for their own services. 

XXXX XXXX sent my daughter 's bill in her name and XXXX XXXX XXXX XXXX sent the doctors portion of the bill in my name. I notified them several times that this was incorrect. They refused to resubmit the bill in my daughters name and file the debt with the insurance company. Therefore, two errors were made. The bill was erroneously placed in my name and the bill was never filed with insurance. They stated that they did not have the insurance information which is untrue because it was presented in the emergency room. Furthermore, they filed the insurance for my bill on the same date as you will see in the attachment. The payment for this date of service was already fulfilled for services provided to me from XXXX XXXX XXXX, XXXX. I am not obligated to pay them twice since this is not my bill. 

Because of these errors, I am falsely accused of owing them {$770.00}. Although XXXX XXXX XXXX XXXX placed this bill in my name, I am not the guarantor of this bill and is not responsible for this bill. I did not sign anything in the hospital assuming responsibility of this bill. This is a billing error and should be removed from my credit report which I disputed. I have not been able to resolve this issue and am now seeking your help.
Consumer complaint received 2023-04-03
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 agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Experian, XXXX and XXXX received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

On XX/XX/27, I opened a myEquifax account with my ITIN number in order to access my credit report. Everything went okay and I was able to see my credit score + report on a monthly basis. 

The problem comes up when on XX/XX/27 I send a dispute on my profile information in order to get my ITIN number updated and replaced with my SSN that I recently got from the Social Security Administration. After almost a month, the response that I receive is that " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' How come can my SOCIAL SECURITY NUMBER that has been issued by the SOCIAL SECURITY ADMINISTRATION be as per them a " Worker ID Number Only '' what is this nonsense?. Now, just because my SSN has restrictions due to my immigration status does that means that I will be denied access to MY OWN credit report? I don't think that is any fair, and just like me there's plenty of individuals in the same situation that should be fixed and addresses by EQUIFAX, there's no excuses to say that my SSN is not valid as I can perfectly see my credit score and credit report with the other credit bureaus, I didn't have any problem updating my SSN on my bank account nor on my credit union.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) XXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXX XXXX XXXX BANK CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EXPERIAN XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Consumer complaint received 2022-04-29
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. (WI)

XXXX, XXXX and Transunion received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # 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 also states a consumer agency can not furnish an account without my written instructions,
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

False reporting to XXXX credit agencies, unable to validate debt. 
unable to provide signatures regarding debt and dates. 
I did not sign an agreement with XXXX XXXX XXXX, or national credit systems at any time. false debt. 
XXXX XXXX XXXX has no license to collect debt in my state, see documents in attachment. 
National credit systems is operating illegally to fraudlent get funds from seniours, elderly fraud. 
I am a senior and I did not meet, or know XXXX XXXX or do business with him at anytime in my life. 
XXXX financial abuse.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 I wrote a check to XXXX XXXX to pay my bill from my Chase Checking acct. 
The check was cashed on XX/XX/22 but NOT by XXXX XXXX it was obviously stolen by someone in transit ( mailbox? ) and deposited into their XXXX  XXXX XXXX acct. I have the copy of the check that was cashed as someone signed their personal name and deposited into their personal acct even though the check was made out to XXXX XXXX.?! 
I filed a claim with Chase on XXXX but am getting a run around after 3 months I was under the impression that Chase could claw back these funds from XXXX  XXXX XXXX since it clearly shows that it was cashed NOT by XXXX XXXX? 
they keep asking for more info. that makes no sense as this to me is cut and dry? 
Please help, thank you!
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX  account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX  says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening. 

During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These are inquiries on my report that do not belong to me. The inquiries include : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Since XXXX of 2017, Coinbase had sequestered all of my cash in my account and prevented me from accessing it. I had no control over my funds. I could not transfer or withdraw my cash which was not invested in any products. After being neglected for 2 months, Coinbase responded only after I filed a CFPB complaint. The issue has not yet been resolved because {$2500.00} USD is currently being frozen inside the account and I have no access to it. Even the technician  assigned to help my case was unaware of this. By viewing my transaction history, and using an API Key to track transactions, I have proof that {$2500.00} of my money is currently trapped in Coinbase and I need it back. I don't know why it was sequestered and no reason was given, even the technician seemed confused. Unprofessional and negligent, how did Coinbase pass the pre-requisites to handle financial assets? Coinbase does not seem to be capable of handling financial assets.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I, the consumer, never gave Equifax written permission or consent to furnish my information or obtain my information. Please see the attached documents. I've sent multiple opt out notices that Equifax has ignored.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (AR)

When equifax breach I was one of the people that all my information was breached and was part of the suit for equifax to recieve compensation because all my information was stolen it took me weeks contacting everyone and calling and paperwork I told yes I would be paid by equifax .NO NOW I AM TOLD THAT THEY ARE KEEPING MY MONEY, SO I DON '' T GET NOTHING PER THE PERSON OVRR PAYING OUT THE COURT APPOINTED FUNDS. Now what gives them the right to keep my money.