davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (CA)

NOTE : I am a CFPB employee. 

i applied for a loan with my XXXX XXXX, XXXX on XXXX XXXX, 2020. My credit was run with Experian, with an excellent credit score.  I was denied because i have a fraud alert on my credit report with no phone number. 

I had previously run into this problem and corrected it. Forgive me, i do not remember how. I recently applied and received an auto loan from XXXX XXXX. 

So it appears to be Experian only. I was given a phone number by XXXX. It had no options relevant to my situation, and it hung up on me. I tried to go on Experian 's website. The log in I had failed. When i requested my username, it said it sent to an email address that was NOT mine. 

I tried another phone number. No options for me. No representative available. I can not find an option anywhere that allows me to add a phone number to my fraud alert. 

It seems a simple thing. Add a phone number to my fraud alert. it must only be wtih Experian since I recently received a loan. 

Please help. thank you very much.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX
Consumer complaint received 2021-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (FL)

On XX/XX/XXXX through XXXX XXXX I was just trying to see with my credit I have now what kind d of buying power I have for a home which Ive done before with a soft inquiry. They initiated a hard inquiry which I did not approve .. spine with company and said the would request it to be turned to a soft inquiry but wanted to cover all bases FACTUAL DATA IS THE COMPANY
Consumer complaint received 2020-11-04
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. (TX)

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX  : XX/XX/XXXX {$2000.00} 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.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MO)

This collection appeared on my credit reports, I sent validation letters and never received validation, I have disputed it yet they say it's validated, I have no knowledge of this account and I am very dissatisfied that they have not validated it, nor do they seem to care that they are damaging my credit.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.
Consumer complaint received 2017-12-19
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: Grant Mercantile Agency (CA)

I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Using my Chase Freedom Unlimited credit card, I purchased two XXXX XXXX   XXXX on XXXX on XX/XX/XXXX. I ended up getting a better deal and returned the phones to XXXX on XX/XX/XXXX, they were delivered on XX/XX/XXXX. At the end of the month I noticed that I was not credited for my return and I contacted XXXX in regards to this. XXXX claims to have never received the phones despite USPS tracking saying that it was received. I contacted Chase to dispute this transaction and provided the tracking information. Later, Chase called me saying that I had 1 hour to provide additional tracking information or else the dispute would be closed. This was not enough time and I was informed that I would be able to provide more information and re open the dispute. I contacted USPS and they confirmed that XXXX was in possession of the items, when I provided the information to Chase, initially they said this should be enough. Then a few days later Chase told me it was too late, too much time had passed, despite them never telling me about any deadline.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2015 Capital One reported a late payment to the 3 credit bureau regarding my credit card account. I called Capital one and told them I moved from the previous address and never received the statement and asked if they would please remove the late payment from my credit file. Capital one ignored my request and this late payment has been hurting my account ever since. I have unfortunately been denied credit for a car, house and education loans because my credit reflects a not so desirable payment history due to the reporting from Capital one.  I have faithful been with this bank for 4 years and I would love to continue to be a client if they would correct the information they have reported to the 3 credit bureaus.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

On Tuesday XX/XX/2019 - We received a voice message on our landline phone (with a woman's recorded voice) that there "were charges that we don't recognize on your Visa card" and were told to call XXXX.  My wife spoke to a man with a foreign accent named "XXXX XXXX and his ID# XXXX" He said there was a charge of $XXXX for XXXX shoes originating from XXXX  on our Amazon Chase Visa card and that our "Amazon profile had been compromised". He asked for my wife's full name (I then got on the phone) he also asked for my full name and our phone number. I heard many other voices in the background (they may be operating a fraud call center). I smelled something fishy with this guy and  signaled to my wife that this is a scam. When my wife would not give him any more information: he nastily demanded that she call him back within a certain time frame (20 minutes) at the following number: XXXX. That is when she hung up on him.  

We had contacted the real Amazon Chase Visa customer service number (on our card) to verify if this had occurred. They confirmed that there was no such activity.  Apparently he was phishing for personal information; and he got nothing more than our names and phone number. It was convincing act until he started to get angry...
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX  showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable. 
Any assistance you might provide is appreciated. 
Respectfully, XXXX XXXX
Consumer complaint received 2019-08-17
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. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute (XX/XX/19) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. ACCOUNTS	XXXX XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXXXXXX	not mineXXXX XXXX XXXX XXXX		XXXX	not mine
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.
Consumer complaint received 2020-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I am beyond frustrated with the run around and lack of follow up from AES. I have been going back and forth with Customer Service Representatives from AES since the summer of XXXX when I was first made aware of the fraudulent activity on my student loan account. I have since then been in contact with them every 2-3 weeks following up on the status of the distribution of the checks that were fraudulently cashed by god knows who. I have provided all the documentation they request and then when I think progress is being made they ask for more documents or a Police Report? Seriously, you are requesting a Police Report when this incident occurred in XXXX? Why didn't they advise me of the needed police report back in XXXX when I first reported this to them. 

I feel as if they are giving me the runaround because their bank refuses to refund a clearly fraudulently cashed check. I have given them everything they need in order to determine which reimbursement checks were cashed by me and which weren't. I have submitted affidavits that have been legally notarized and nothing. 

I recently received 2 out of the 6 checks reimbursements. Today, XX/XX/XXXX I called to follow up on the pending 4 checks and they inform me that they are not showing any outstanding check distributions pending. 

I informed them that I have yet to cash the first two being that I want to ensure this matter is closed once and for all.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian recently investigated a bankruptcy that has appeared on my credit report for more then 5 years, having been provided a document from the original creditor that reported the item, as identified by Experian, XXXX XXXX third party provider. With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been provided documents from the social security administration of the only provided name identification with my social security number, Experian decided on its own to add names to my file without factual verification. In addition due to the unsecurity of the credit reporting system of Experian during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019, Experian has allowed some person or entities to run my credit, access my credit, or gain access illegally without permissible purpose over 65 times, when addressed with Experian their tag line is with permissible purpose, but having been unable to provide a credit application signed to give such access. In fact having contacted each of the entity, no credit application of signature available, each indicated that such was performed by phone or by the internet, without identifying verification. Experian is operating a lying dispute process, and a credit reporting company that allows access, without verification of its vendors.
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX  and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Apartments ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (SC)

They gave me a payment schedule n the amounts in writing prior to me signing up with them! I told them I get my SSDI on the XXXX each month n their payment schedule reflected that! I made the 1st payment ahead of time, thinking that I set with them! They changed the dates of my first payment to the XXXXh after being very clear about my payment dates!
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Receivable Management Services LLC for committing identity theft. I have never given Receivable Management Services LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Receivable Management Services LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Receivable Management Services LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Receivable Management Services LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Receivable Management Services LLC continues its collection efforts, I will file for litigation for actual damages caused and Receivable Management Services LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2017-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.