davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I ran into trouble with my mortgage back in XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XXXX of XXXX. They are reporting late 's as of XXXX of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.
Consumer complaint received 2019-03-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC. (NC)

When I was married my ex wife and I we get a car so I'm the principal, then we get divorced and we signed a paper when I'm not responsible for any action of that car, and my ex wife didn't pay, miss payments, incomplete payments, back pay, but now they called me that he dealer get the car and they sold it already on a auction, but my question here is, they can sell the car with out my signature? Because I'm the principal on the loan, and they said that they sold the car on {$9000.00} dollars and some so they said that the balance is like {$14000.00} and they said they willing to work with me and they discount me like {$4100.00} so that's normal that they sell the car with out my signature? So they asked me to pay in full in 6 months, almost every time when my ex didn't pay the monthly payment they send me a letter when she miss pay and this time when they went to pick the car up and they sold it on some auction, they didn't called me or letter or nothing, but now they calling me to pay the difference of the money, what should I do?
Consumer complaint received 2020-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (CA)

I applied for a personal loan to remodel my home for {$35000.00}. They asked for bank statements to verify my employment and I provided three months clearly documenting my payroll. I make over {$300000.00} per year and have a FICO score of XXXX so I thought I would be easily approved. 

They said that my bank statements were not acceptable since the payroll goes to a trust account like many people in my position being over XXXX. So they asked me to send our 2019 tax return, which I did. After some time I followed up and they reviewed my tax return and then asked for my bank statements which I reminded them that the already had. 

They denied my loan because they were " Unable to verify Income. '' " Documentation you provided is incomplete/unacceptable. '' That's unbelievable. 
They wasted my time and I truly believe they were Phishing for data on me and my family for resale purposes and never were serious with the offer. 

Please help, XXXX XXXX
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (TX)

I have contacted Credit Service company by phone and certified mail at the given address of XXXX. XXXX  XXXX XXXX XXXX, CO XXXX to have the debt validate with the actual contract that I have signed obligating me to this debt with no response and they continue to report me to XXXX the legal time limit for a company to respond is 30 days and they have exceeded that time
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/2017 a wire transfer for XXXX was generated by XXXX XXXX XXXX with destination to Coinbase ( XXXX XXXX XXXX  ). The name on the account in Coinbase was wrong. Coinbase said it would take no more than 10 business days for the wire to be refunded. after the 10 days the XXXX XXXX Customer did not get the XXXX deposited to her account. She proceeded with a attempt to recall the wire. XXXX XXXX has sent a total of 5 notifications to request the wire to be returned. XXXX XXXX XXXX has not responded to them. XXXX XXXX XXXX has acknowledge that they have the money but have not retuned the XXXX. they do not have a well established customer support and all communication is inefficient.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc. (NY)

I wrote to the company that it was a bill coding error, they fixed it on their end and resubmitted it to the insurance company. Then they let me know there was no patient responsibility. I checked my XXXX XXXX XXXX  account and there is XXXX balance
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NY)

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-11-05
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I was offered a grant from HESAA and was asked to accept or decline the offer, after I accepted it and started school at XXXX. I was surprised today by an email telling me that NJ state higher education has cancelled my financial aid. Now I'm stuck with the school is charging me XXXX % of the tuition fee even if I drop the classes as I have to take a loan or pay out of pocket. I feel like that I was trapped by HESAA to take the loan. I'm sure that this inconvenience was not from my part and I think somebody made a mistake on HESAA by offering me the aid and cancelling it few months later after I accepted it and I would be happy if I can get help from you to fix this issue by reviewing my FA application again.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON XX/XX/2021 CAPITAL ONE obtain my credit report from XXXX XXXX AT XXXX After the company sent my credit application. After the company CAPITAL ONE AUTO FINANCING Reviewed my credit application capital one said in there letter that the company can not provide me with a auto financing at that time which is False and Misleading & adverse action. 

( I AM A CONSUMER ) CFR 16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. 

My credit card was use in this transaction which i did not benefit from this transaction. 

CFR1026.12 Special credit card provisions ( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. 


According to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) Regulation B protects applicants from discrimination in any aspect of a credit transaction.

CFR 1002.7 Rules concerning extensions of credit - ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

They put you on hold. They don't come back to answer. Over and over again. All this info on shell point mortgage is all available thru the XXXX XXXX XXXX The company lies to credit companys. I'm 8-0 against the shellpoint on lies to the Shellpoint regarding my mortgage and credit reporting. Never missed a payment. This company tries to trap you with all kinds of fees and lies.. They have harrassed my family, and credit reporting. The government needs to hold them responsible for harrassing me and other people. I've got all the info letters of harrassment, and the lies and fees. This is out of control, so many lawsuits, just like XXXX XXXX. They paid out XXXX XXXX. XXXX XXXX is a part of shellpoint. 

thank you for your time and help.
Consumer complaint received 2019-09-26
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. (NJ)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term.

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

I have paid in full the account in Collection with Aldous regarding XXXX XXXX - Personal Services. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2018-02-02
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. (CA)

Today, XX/XX/2018, I was advised that because of a freeze on my credit data reporting by Experian, a prospective landlord and XXXX XXXX XXXX XXXX in XXXX, CA could not check my credit. I had placed freezes on all 3 credit reporting agencies after the XXXX data breaches a couple of years ago. I have my Freeze PINs so I logged onto Experian and followed their directions to remove the freeze, but I have spent several hours at it and keep getting a message that they are unable to do it. I tried calling the telephone number at which I am supposed to be able to remove the freeze, but the robot voice only offers the option to place a freeze, but not to remove one. I've been at this for hours and have been frustrated at every attempt. I can't reach a human being at Experian of get their processes supposedly in place for this to function. I can't even get into the XXXX website.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (MO)

in 2009 I was sent to XXXX XXXX XXXX to get a XXXX XXXX. I informed the hospital I had Missouri XXXX. Nothing was said about them Not taking MO XXXX. I was given a shot and sent home. Then I received the {$800.00}. bill from the doctor that ordered the shot. The {$800.00} has been on my Credit report for 10 years now. It was taken off about 6months ago but now its back under a different name ...
Consumer complaint received 2018-07-13
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. (MO)

I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.
Consumer complaint received 2021-06-07
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: Self Financial Inc. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (FL)

THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (FL)

After undergoing a routine check-up at my physician 's office, I was surprised to receive a debt collection notice from Revco Solutions , claiming I owed them money. Despite confirming all my balances were clear and contacting the hospitals I visited, none of them had any record of dealings with Revco. Upon calling Revco to request removal from their system and to cease all communications, I encountered uncooperative representatives who refused to provide their last names. Their contact information includes phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ), with reference number XXXX.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with XXXX different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (NC)

I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : Southeast Toyota Finance DBA World Omni ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you Southeast Toyota Finance DBA World Omni are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$970.00} ; 2. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$4500.00} ; 3. BANK OF AMERICA XXXX XX/XX/XXXX Balance {$12000.00} ;