davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. 
I disputed this collection with XXXX, XXXX  within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. 
XXXX  XXXX XXXX  ( XXXX  ) has not been removed this from my credit report. I am attaching the letter from the original creditor.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY EX I WAS DATEING TOOK ALL INFORMATION AND IS NOW RECEIVEING MY PUA BENEFITS FOR COVID-19 THROUGH EDD, I BELIEVE THAT HE'S USING A FEMALE AS ME AND THEY'RE TAKING MY IDENTITY IN THE TRYING TO DO STUFF FOR MY IDENTITY AND I BELIEVE THAT THEY HAVE ANOTHER EDD CARD OR TRYING TO RECEIVE ONE IN MY NAME WERE THEY TRYING TO RECEIVE A CHECK IN THE MAIL EITHER WAY IT GOES HE HAS ALL OF MY MAIL IT WILL NOT COME GIVE ME NONE OF MY EDD MAIL I'VE SEEN THIS PERSON NUMEROUS OF TIMES AND HE STILL WALKING AROUND LIKE HE HAS NOT DONE NOTHING WRONG I WAS SUPPOSED TO GET PAID ON MONDAY BUT I DID NOT RECEIVE ANY BENEFITS BECAUSE HE TOOK MY MAIL TO RECERTIFY MY BENEFITS
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (IA)

Around the date of XXXX, XXXX I was having problems using my IOWA Way2Go Card. I spoke with a representative. He asked me about all my personal Information, Even asked for my social, Full name and my personal Phone number, I don't remember his name but he told me after I gave him my " Primary '' phone number on file ... That phone number was incorrect. So then he told me since he couldn't go in the system to fix that information. I would have to Send him a Picture of the front and back of my " ID '' with what type of prepaid card I have And also send my case number XXXX he gave me. So I sent all that information to the e-mail " XXXX '' The representative told me once I send that information I should be expecting a email " VERIFICATION '' awaring me to wait over 24hrs or 48 business hours to see If my information have been expected or not. It has been over 48hours I haven't heard from any representative or The Fraud Services. I would just like to get the right information and know what are the next steps and what activities are going on with my account. 

Thankyou, XXXX XXXX
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc. (NY)

I was sent an email saying I was approved for a {$10000.00} loan, I get on the call and some man called XXXX XXXX says I only qualify for {$5000.00} loan. 
Then he asks me for my address verification and a payment verification i give him my bank info and he sends {$400.00} and tells me to go buy two XXXX XXXX Gift cards to send the money back. Ridiculous! I just blocked the number and he kept reaching out from many other numbers. Now I have an extra {$400.00} in my account & my bank is disputing the claim. I dont want that money nor need it.
Consumer complaint received 2019-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Social security had showed me as deceased in XX/XX/2018, after the death of my father. They gave me a letter to give to creditors and credit bureaus showing they made a mistake and that I was very much alive. One creditor ( XXXX XXXX ) had charged off my acct and closed it in XX/XX/2018. After they received my letter from social security, they reopened and sent Equifax stating my acct was open and that I was not deceased. I've called Equifax and disputed this on several occasion and so far nothing has changed. I really hope you can help me, I'm just so frustrated. Thank you.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc. (KY)

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$250.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-02
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. (IN)

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( XXXX ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account with Walmart showed a purchase in XXXX 2019 that i did not recognize. I filed a fraud complaint and closed the account. Capitol One acknowledged the cancellation and began an investigation. On XXXX XXXX Capitol One sent a letter denying the claim with no information where, what or who charged it. I responded with a request for information establishing my responsibility for the charge. They have yet to document the original transaction. They reported me to the credit bureaus and have destroyed my rating. I just want to establish responsibility for the charge, delete the collection from my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We have tried over and over to understand what is going on with our auto loan. We make our payments on time and somehow I have a small past due balance on here. We have paid it but it keeps rolling over in to the next month with fees and I don't understand why. This continues to report late on my credit report as lates and drive my score down. I don't even know what is happening and when I call, I have no answers because we are not late. I had one person tell me that these shouldn't even be on here and they were going to speak to management, we never heard back.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2020-07-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One XXXX XXXX XXXX XXXX XXXX IL XXXX. When I got the credit card in XXXX I signed on for 23 % interest no annual fee on the internet. In XXXX they charged an annual fee of {$19.00}, I disputed that couldn't find my copy of the terms, until recently. Since I started paying and not using the card the interest rates it has increased 1.6 % every year since without notification.

I called and spoke to Capital One, XX/XX/XXXX customer service in XX/XX/XXXX because the interest rate rose to 27.65 %, she stated they would lower my interest rate on sales back to 23.15 % and it would stay at 27.15 % on sales for 6 months, I said ok. I received a letter around XX/XX/XXXX stating I agreed to a variable rate, which I never agreed too.

On that day she went to reading me about a variable rate and I was told if I didn't agree my interest rates would return to 26.65 % for all purchases. This has happen to several friends and family with credit cards. My credit score continue to rise, but these interest rates steady rise, is this legal? I never thought Capital One would do this, one thing I learned when applying for a Credit card never do it electronically I will stick to paper. I have uploaded statements from Capital One showing the rises in interest rates and I never was notified of the increases until they switched me to variable rate in XX/XX/XXXX by force.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXX, XXXX  has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (IN)

Credit Karma and XXXX has as XXXX security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called XXXX  for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XXXX of 2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

I opened a regular Coinbase account on XX/XX/XXXX2021 of this year. After discovering that transaction fees were lower on Coinbase XXXX, I also opened a Coinbase XXXX  account on XX/XX/XXXX, which was linked to my regular Coinbase account, and funded the Coinbase XXXX  account with three deposits via ACH from a linked bank account : 1. {$25000.00} ( on XX/XX/XXXX21 ), 2. {$11000.00} ( on XX/XX/XXXX ) and 3. {$5900.00} ( again on XX/XX/XXXX ). On their interface, Coinbase implies that the Coinbase account and Coinbase XXXX  are linked but separate accounts. 

I executed one purchase of ~XXXX  BTC on XX/XX/XXXX for {$25000.00} and had the remaining ~ {$16000.00} sitting in a cash reserve. On XX/XX/XXXX, Coinbase XXXX  froze my ability to execute trades on the basis that I needed to verify my identity. On that day, I made multiple attempts to take photos of and webcam shots of my driver 's license and photo capture of my face, and failed more than 3 times over the course of multiple hours before my documents were finally accepted. The experience was so incredibly poor and the {$5.00} credit offered for my troubles was sufficiently insulting that I asked Coinbase to provide information about closing my account, given my frustrations with verifying my account and re-gaining the ability to make trades and withdraw funds. 

On XX/XX/XXXX, I received an e-mail from Coinbase providing me with a link to close my account. My plan was to 1. close my regular Coinbase account ( which had a {$0.00} balance ) and then 2. close my Coinbase XXXX  account ( which had the amounts listed above ). After completing # 1, however, my Coinbase XXXX  account has now also disappeared, and when I try to re-register with my original e-mail address, am being told to set up a new account. To top it off, I am currently in XXXX XXXX as of XX/XX/XXXX21 ( my account was opened in the US on XX/XX/XXXX ) and will be here until the end of XXXX for the XXXX of my XXXX  child. When attempting to troubleshoot the issue through Coinbase 's customer support system, I received an automated message claiming that they only offer " self-help customer support '' in my region of XXXX XXXX, despite the fact that I have a permanent US address. 

As I do not have access to the ~ {$42000.00} in aggregate BTC and cash that had been sitting in my Coinbase XXXX  account, it appears to me that Coinbase has seized my funds without offering any ability for recovery.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (LA)

I was diagnosed with XXXX, at the same time my bank account was hacked for {$3500.00} in which I had to end up paying the bank back because the hack was so sophisticated. That put me in the hole with ALL my creditors. After being denied by several loan companies TOWER LOAN accepted my application. I was under the impression that my car was being used as collateral for the {$3500.00}. Only to find out when I received all the paperwork, in small print was the actual payoff of over {$6000.00}. THIS IS ENOUGH THAT I WILL NEVER PAY THIS OFF AND LOOSE MY CAR in the act. I felt like they not only hid important information to me as a consumer, but played on my demise and situation. Its hard enough trying to recuperate from XXXX and my service connected XXXX now I have to worry about TOWERLOAN possibilities taking my car. This does not seem like FAIR practice
Consumer complaint received 2020-12-02
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. (GA)

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXXX/XX/XXXX