davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (NJ)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXXXXXX XXXX during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXXXXXX XXXX  during COVID-19.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

***Hello to whoever might read this, my name is XXXX XXXX XXXX I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I deposited XXXX btc with coinbase, and now my account is disabled. Ive reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why Im not able to access my BTC or even login to my account! I want an explanation and resolution NOW
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brennan & Clark, Ltd., LLC (CO)

I was contacted by personal phone and email. Then, without my giving it to XXXX XXXX, and without my permission, he proceeded to call me at my place of work and email my work email. I contacted the original business I when indebted to and made payment and payment arrangements. He emailed me again. I told him that I had made payment and arrangements for further payment with XXXX ( the company I was indebted to ) and that I was handling it through them. He continued to email me saying there were no payment arrangements made. I responded telling him again that I made payment and XXXX told me I could make another in a couple of weeks and that I was not going to discuss it any further with him and to remove me from their contact list or that I would report him. He emailed me again trying to tell me they have no payment arrangement set up with me and that I needed to send him proof by the end of business day. I blocked his emails and called XXXX and reported the matter and they said they would contact him and tell him to stop. THIS WAS TOTAL HARRASMENT even AFTER I made payment and worked it out with XXXX.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My personal information being stolen by ID theft, they opened multiple bank accounts and applied for mutiple loans under my name in the country. 

I contacted those fraudulent bank accounts and most of them being closed and investigation completed, and my fraudulent debts were disputed. 

Multiple fraudulent accounts, as below already solved. 
XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX, account ending XXXX ; XXXX, account ending XXXX ; In this report, I claim for the fraudulent Bank of America Bank account, ending XXXX. 
I require to dispute this fraudulent account under my name. 

I already filed ID theft, frozen Credit report in the Credit Bureaus. I filed the police report in XXXX XXXX, case number XXXX. And federal Trade Commission case number XXXX.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My loan was transferred to Select Portfolio Servicing Inc, XX/XX/2023. First payment XX/XX/2023. After speaking to a representative, they stated payment through their website ( XXXX - XXXX ) would result in a {$5.00} transaction fee and ( XXXX ) transaction fee of {$15.00}. Also, there is a fee to make payments over the phone with and without a representative. These fees are excessive for making payments to your account. Please review their policy and advise. Are these fees for payment to your account legal? 

Thanks,
Consumer complaint received 2020-09-18
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)

XXXX XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Balance Owed : {$19.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was caused by fraud.
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAP1/WMT XX/XX/2020 XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MD)

Navient just called me and pretended to be the Department of Education until they knew they had me on the phone, then told me I owe them {$5.00}. They call 30 times a month if youre behind on a payment.
Consumer complaint received 2021-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I called and spoke with a customer service agent there at XXXX explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX 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 an item on all 3 credit files that is inaccurate. The account in question is 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 theaccuracy 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 this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (OH)

On XXXX, XXXX, XXXX, XXXX XXXX threatened to sue XXXX XXXX, over an alleged credit card account. On XXXX, XXXX, XXXX, Debt Collector, Lyons, Doughty, and Veldhuis, filed a lawsuit as a courtesy to XXXX  XXXX, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XXXX, XXXX, XXXX, XXXX XXXX, responded to lawsuit, via facsimile, at XXXX ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX ( XXXX ) XXXX, because the validation notice is not a pleading. As of today, XXXX, XXXX, XXXX, neither XXXX XXXX, or Lyons, Doughty, and Veldhuis, have responded to the debt validation request within 30 days.
Consumer complaint received 2021-04-26
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. (FL)

I have sent numerous Dispute letters on my behalf to Equifax. Equifax has NEVER sent me a investigation results. I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and certified on XX/XX/XXXX. 

I would like the negative information that is inaccurate to be removed off my credit report.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I, as a Consumer requested my Consumer Report from XXXX, XXXX XXXX XXXX. I found out that Lexis-Nexis has violated my privacy, pursuit to 15 USC 1681 ( a ) ( 4 ). The references are as follows : XXXX- Identification # XXXX ; XXXX- ID # XXXX ; XXXX ID XXXX XXXX.
Consumer complaint received 2020-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC (CA)

apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX loans purchased my loan XXXX of XXXX they have not been able to get any of the information sent to me correct. Payment dates, terms etc. My loan is a bi Weekly adjustable rate mortgage. The rate changes bi weekly and the payment is recalculated on an annual basis for the terms of the payment. During the year my principle payment can go up or down based on the adjusting rate. The biggest problem started on my annual payment recalculation. My interest rate dropped by .12 % yet they dropped my payment by XXXX dollars a month. The loan was originated 20 years ago on a balance of about XXXX resulting in a biweekly payment of roughly XXXX prior to the adjustment. The adjustment came in and they dropped my biweekly payment to XXXX. This all happened in XX/XX/XXXX. The paperwork they sent shows my loan which had around 150 months left to pay now shows 339 months and the new payment reflects an amortization schedule in the same realm. They have changed my loan terms and extended my loan out over 10 years. In no way is this acceptable to me. I have been trying to get accurate information from Rushmore for over a year. Nothing they send ever reflects the current and accurate status of my loan, from payment terms, dates, amounts and now loan length. I have another identical loan from the original bank that I can track side by side to show these amounts are incorrect and Rushmore is in violation of Respa and will not do anything to fix the issue. I am currently on my 4th " Loan review '' with the same answers that everything is on track and correct. I have loan statements for this property and the identical property with the same loan still serviced by XXXX XXXX for over 15 years. I can provide side by side comparison if needed.
Consumer complaint received 2019-05-30
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. (CO)

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX, XXXX ( a chat supervisor ) promised me {$150.00} credit for issues related to rewards points and account closing. On XX/XX/XXXX, no credit was showing and I was told it would take another 48 hours. 

Here is what XXXX said on XX/XX/XXXX. 

" I have issued {$150.00} credit on your Amex XXXX Card For which you will see the adjustment within 5 business days "
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ON XXXX OF 2017 AN ACCOUNT WAS OPENED IN THE AMOUNT OF {$420.00} DOLLARS. I HAVE TRIED TO TALK TO THEM DIRECTLY. NO RESPONSE ....
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/year> I received a loan from XXXX XXXX XXXX that same month I filed a XXXX XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). XXXX XXXX did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX XXXX bankruptcy. They are the ONLY company that has given me a hard time.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (MN)

I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.