davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have closed 2 accounts with capital one over a month ago and not only did they not honer the pay offs given to my closing attorney but they are holding the 2 small credits that are on the 2 accounts.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/XXXX, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-04-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Someone Please help, I XXXX have been sending letters to the credit bureau about information that was incorrect and have received no responses. I dont know how long these inaccurate and unknown items has been on my credit report but its been over 62 days and I have not received a response yet. I have given them 2 months to give me an answer and I till wait. I feel that everything that I have dispute should be deleted immediately or I will file for litigation is due to the stress you caused me. My information was impacted by the Equifax data breach it may have gotten into the hands of the wrong person.
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. 

I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers. 
The transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}. 
My husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later. 
Prior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

My most recent request to Equifax and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at Equifax on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Consumer complaint received 2021-04-10
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. (FL)

In XXXX someone used my Equifax credit report to fraudulently purchase smart phones and data plans. I filed a fraud report with the local police ( OPD ) and contacted the phone carrier ( XXXX ). I disputed the charges with XXXX and after their investigation the charges were erased. It took the collection agency several months to stop calling me for the money. All documents were sent to Equifax along with a dispute for the fraudulent XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL address to be removed. As of XX/XX/XXXX @ XXXX EST that never happened. They did place a five year freeze on my account and allowed 6 free credit reports per year. 
In XXXX of XXXX I used my free credit report through the dot gov site. For security purposes they asked me security questions based on my Equifax report. One question related to the XXXX address from XXXX and another question was asked about another unrelated address to our history. I failed the site security and was not able to complete the request. The same evening I was failed again on another non-credit company site for the same reason. 
XX/XX/XXXX I logged into my Equifax account, used one of my free reports to find another address has been added to my report history ( and XXXX address was still there ) DURING the freeze on the account. I submitted a dispute ( # XXXX ) for the second fraudulent address, XXXX XXXX XXXX, XXXX, IN on XX/XX/XXXX and also explained the XXXX address had never been deleted in XXXX. They sent an email stating the dispute was under review and I would be contacted of the results in 30 days. 
It is now XX/XX/XXXX so I logged into my Equifax site, used another free report and both addresses were still present. I called their customer service where the rep told me the dispute was resolved and the addresses had been removed. I explained that I was looking at the credit report and they were still there. She then told me she had removed them and to refresh my report to see. I had to use another free report and low and behold they were still on my report. I asked to speak with her supervisor and she told me they were busy and would need to put me on hold. She placed me on a hold that lasted for approximately 10 minutes then an automated survey asked me questions about my experience with Equifax and the customer service. I did not score them well. It finished the short survey then stated " Thank You, Good Bye '' and hung up. 
And here we are!!! 
I am requesting these fraudulent addresses be removed immediately, an explanation on how the second IN address got placed on my report during my freeze and my free reports be reinstated.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of Equifax Data Breach. I demand to remove those accounts or I will file a litigation.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Hello, I was recently scammed by XXXX XXXX out of {$1000.00} for an app that they never created of mine. I went to my bank to try to get my money back but it was denied because XXXX stole images from my website and sent them as screen shots claiming they created the app. They also submitted my contract which was with XXXX XXXX but the transaction on my bank says XXXX of XXXX. 

I tried to deal with my bank and my bank doesnt look out for small individuals. Chase bank denied my fraud claim. Please help me rectify this matter.
Consumer complaint received 2020-11-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I began the process to refinance my mortgage in XXXX of XXXX with XXXX XXXX XXXX License FL XXXX, NMLS # XXXX ). During this process, my mortgage was supposed to be closed before XX/XX/XXXX. However, due to constant delays, including the loan officer not knowing laws regarding my FHA mortgage and appraisal during the refinance process, my closing was delayed multiple times. I contacted XXXX, the loan officer, about paying my XXXX mortgage on XX/XX/XXXX and was told to hold off on paying my monthly mortgage and she assured me that it would not hit my credit. Further, XXXX contacted me on XXXX to again advise me not to pay my mortgage for XXXX, again assuring me that nothing would hit my credit. 
I closed on my refinance on XX/XX/XXXX with a 3 day right of recission, with the payment supposedly funding on XX/XX/XXXX. However, the title company stated that they had issues with wired funds for a payoff, thus my payoff wasn't sent and delivered until XXXX, resulting in a 30-day late hit to my credit. Upon speaking to XXXX about this, she referenced the fact that I could have paid my mortgage for XXXX and simply waited for a refund from my mortgage company, however, she never advised me of this until after closing. Had I know that that was the case, I would have gladly paid my XXXX payment and waited for a refund. 
I contacted XXXX, the loan officer, about this and she filed a dispute with the credit bureaus, writing a letter that appeared to come from me directly, but was authored by her, but the situation was not resolved. Her supervisor, XXXX XXXX XXXX NMLS # XXXX ) advised her that the credit bureaus would most likely not accept that letter in reference to my credit dispute, citing the multiple other documents that would also need to be submitted. 
In order to begin the process of disputing the hit to my credit myself, I requested a letter of explanation admitting fault from the title company, which they provided, and a letter of explanation stating that I was ill-advised not to pay my XXXX mortgage by my loan officer. However, she refused to do so, stating that it would compromise her loan officer license and XXXX XXXX, the branch manager of PRMG, has refused to return my phone call and emails and has refused to be involved in this issue.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MECHANICS BANK (TX)

I may have asked them to stop calling, I am not 100 % sure, however, I have a personalized voicemail on this line, with my name.

Mechanics Bank Auto Finance has left at least 7 voicemails over a short time span, using more than one number to call. It seems like they change numbers every time I block the number on the phone.

I want this stopped! This phone number is used only by my minor child, though my voice and name are on the voicemail.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

COINBASE FROZE MY ACCT ON XX/XX/21 MY ACCT HAD XXXX AND I HAVE TRIED OVER 10 TIMES USING THE COMPANY.S PROTOCOL WITH NO SUCCESS TO ACCESS MY ACCT. RESOLUTION : I WOULD LIKE XXXX PLUS CAPITAL GAINS SINCE XX/XX/21. TODAY BITCOIN IS XXXX XX/XX/21 THANKS FOR YOUR EXPEDITIOUS HANDLING OF THIS MATTER. I AM ANXIOUS TO GET INTO MY ACCT
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I responded to an Amex Offer to make a purchase at XXXX of a minimum of {$340.00} and get {$70.00} back. I made a single transaction at XXXX on XX/XX/2020 for {$370.00}. I never received the credit and I inquired and the customer service agents told me that the transaction had been split in two, and {$49.00} of the transaction now did not qualify so I couldn't get the offer. I feel this is deceptive, and I was induced to spend the money by the offer.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2023-01-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit acceptance illegally reports false information to your credit report. 

They initially denied knowledge of my vehicle but upon first complaints via CFPB they all of a sudden had every detail about a car they failed to properly report to the credit bureaus. They have fake people calling posing as counsel, theyre still improperly reporting the status of our account despite the account legally needing to be dismissed or charge off status. we gave all military documentation and orders to further prove and yet theyre still sticking to the theatrical tactics on a 7 year old account Their latest charade
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (IL)

Today I received a Master Card from Synchronity Bank to replace my regular JCPenney credit card. I called the number on the back of the card to ensure that the card was NOT activated. I never requested the card and do NOT want the card. I was told that the credit was simply sent to everyone who qualified and that simply sending the card was the request to " opt in '' to use the new card. The same thing happened to me a few months ago with my Old Navy card backed by Synchronity. Again, I did NOT request the bank card and did NOT want the card. I did not activate that card either. 

In this day of identity theft and fraud, I thought that it was illegal to simply send an unsolicited credit card in the mail. I'm perfectly happy using my store credit cards and do NOT need another bank card. 

I tried calling the bank to ask about their procedures. I found a couple of phone numbers on the internet. However, after providing my new credit card number and the last 4 digits of my social security number, the automated system says that they don't match any records and that I called the wrong number for my card. Then the call was disconnected. I already called the number for the credit card to close the account. I wanted to talk to some one at the bank that made the decision to send me the card. I was NEVER able to talk with an actual human after 3-4 calls.
Consumer complaint received 2020-06-02
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: EQUIFAX, INC. (NJ)

XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (LA)

Multiple issues : 1. First of all, this is a commercial loan, held under my XXXX. The mortgage servicing company, Shellpoint Mortgage, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of XXXX due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the XXXX 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with Shellpoint, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of Shellpoint had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of Shellpoint regarding the matter.