davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc. (SC)

On XXXX XX/XX/2021, my son, who is authorized to access my account, call to inquire of the PIF amount. He spoke with a " XXXX '' with Affiliate Mortgage Services. He introduced himself and made the request. He didnt easily recall my social security number but referenced a previous email whereby I authorized him to speak on my behalf and access my account. When she wouldnt provide the information, my son called me at work and connected me on three-way. 

After verifying myself, I alerted XXXX my son was authorized and she confirmed he wanted the PIF amount. We both concurred. She then said she needed to get someone else on the line to assist. 

My son and I challenged her by saying she led us to believe she was providing the information. My son spoke up and indicated she had wasted our time and that we needed the PIF amount and if she couldnt provide it the principal amount would suffice. XXXX disregarded us, misled us, was unprofessional, and merely transferred the call to the collections department. The call went to voicemail. We tried calling XXXX back and each time she sent us to her voicemail. 

My account isnt in collections. 

This agent needs immediate remediation and the company should be investigated for potential CFPB and OCC reg violations. THe agent needs to understand there is a proper way to address customers, to provide proper information, and not misled, insult, or be disrespectful.
Consumer complaint received 2017-11-17
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)

There is a hard inquiry from a company I have never heard of. I have never applied for a personal loan, so I am confused as to what this is or why it is on my credit report. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Consumer complaint received 2022-12-14
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. (PA)

SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONSIVE I AM VICTIM OF IDENTITY THEFT. THIS FRAUDULENT UN-IDENTITFIED ACCOUNT IS NOT MINE. MY IDENTITY WAS STOLEN. PLEASE REMOVE AND BLOCK THIS FRAUDULENT ACCOUNT THAT IS NOT MINE. 

BLOCK AND REMOVE THIS ACCOUNT WHICH IS FRAUD : FRAUDULENT ACCOUNT XXXX XXXX XXXX  Collection/ CHARGE-OFF ) ATTACHED IS MY ID, FTC REPORT, SOCIAL SECURITY CARD, UTILITY BILL
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX & XXXX
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
*XXXX XXXX Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 1681S-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

I found a collection account in my credit report without any previous notice about the origin of the debt. THIS ACCOPUNT DOES NOT BELONGS TO ME. I contacted the collection agency and they realized the account is not mine. But the collection agency NEVER contacted me before summiting the information to the credit report. 
Collection Agency : SEQUIUM ASSET SOLUTION Original Creditor : XXXXXXXX XXXX Loan Amount : {$770.00} Account Number : XXXX Collection Opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, GA XXXX The fraud address ( someone used my information for the account ) is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas
Consumer complaint received 2017-03-29
Product: Prepaid card — Payroll card
Issue: Fees — 
Company: CITIBANK, N.A. (OH)

This card company charges XXXX for each declined transaction fee. It does n't matter if the website is the issue and you have funds available. 

I was charged XXXX in a two week period and they would only credit XXXX of them. That 's unacceptable to me.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Today XXXX i was looking threw my credit report then realized. XXXX bank was removed due to it being a secured credit card so why is Transunion still adding up a total balance. Of {$170.00} which is totality a false statement XXXX is a secured card. Im disputing the total balance and have XXXX deleted ( secured account ) im also requesting my account be updated and get a updated credit report paper. and to protect me with further retaliation
Consumer complaint received 2021-10-05
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 (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-03-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me. 
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed. 
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX  that I had just received. 
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE. 
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either. 

Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.
Consumer complaint received 2017-11-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (MD)

I spoke with Employee ID # XXXX regarding a public service student loan forgiveness certification received dated XX/XX/XXXX with an estimated discharge dates ( XX/XX/XXXX - XX/XX/XXXX). I informed the employee that my correspondence dated XX/XX/XXXX states estimated student loan forgiveness ( XX/XX/XXXX - XX/XX/XXXX). Upon further investigation I learned that 12 payments were not credited towards student loan forgiveness due to an administrative error were overpayments reduced the statement due balance sent the following months. When paying the statement balances, these payments were not credited toward student loan forgiveness even though I paid the amount of the monthly statement as required ( see student loan payments highlighted in Red for details ). These administrative errors and miscommunication presents an economic hardship and it 's not fair to the consumer.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : 0 Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2018-03-17
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: Screening Reports Inc. (TN)

Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2017-11-18
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: EQUIFAX, INC. (PA)

Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}
Consumer complaint received 2021-10-05
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. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-12-02
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: EQUIFAX, INC. (CA)

I am writing again in great concern of Equifax allowing a company, named XXXX XXXX XXXX, which I have investigated, that is located in XXXX, WI, to put a {$150.00} debt on my credit report. I have never had any relationship, dealings, nor had any business provided by, nor with this company, ever. This company is listed as a family business/collection agency in XXXX, WI -a place where I have never resided, nor done any business and yet, Equifax has allowed this debt to remain on my credit report. This company has no proof of dealings with me, or of providing me any services and yet, Equifax sustains the {$150.00} on my credit report. 

I wrote in concern back on XXXX XXXX, XXXX to the CFPB, explaining that this debt was on my credit report under Equifax and that it did not belong to me. The CFPB allowed them an additional 30 days to get the proof. Still, to this date, I have not received the proof from Equifax. They sent me a note through the CFPB portal with a note stating that the reinvestigation proof of the debt was sent to me on XXXX/XXXX/XXXX and that they mailed it to me on XXXX/XXXX/XXXX. Still to date, I have not received anything from Equifax. And to receive anything after XXXX/XXXX/XXXX, after receiving an additional 30 day extension by the CFPB, would be considered late. XXXX and XXXX had deleted the this off my report due to no findings of this debt belonging to me, nor of the company proving they ever had any dealings with me. I am not sure what proof that Equifax is stating that they have from the company when I have never dealt with them before, nor have had any dealings with them. 

I would like for this debt to be deleted from my Equifax credit report, especially being that it does not belong to me and because Equifax has not proven that I owe this debt to the company named XXXX XXXX XXXX, located in XXXX, WI. Additionally, Equifax was not responsive in proving and supplying the proof to me within the 60 days given by CFPB. This is the only negative activity on my credit report and I am kindly requesting that the CFPB have Equifax remove it immediately, without further delay. I am very unsatisfied with what was suppose to be an investigation -which they called a reinvestigation. Equifax had not investigated this case until the CFPB became involved and I still do n't believe they have done so because I never received any proof from them, although they stated on the CFPB portal that proof was sent to me. Again, I have not had any dealings nor business with this company, which would prove that I owe them {$150.00}, therefore, I am requesting that Equifax remove the debt, immediately, without further delay. 

Thank you so much CFPB and I look forward to hearing back from you!
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

We have XXXX commercial properties in XXXX XXXX MI which XXXX XXXX XXXX XXXX XXXX billed for services on XX/XX/year> & XX/XX/year> for services on the XXXX properties for {$46.00} & {$42.00}. We contacted the company for a copy of a contract authorizing these services via phone many, many times. Nothing was received. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX sent a collection notice for Account # XXXX ( {$93.00} ) & # XXXX ( {$85.00} ), which stated if we were in dispute, to submit a dispute form. We not only submited the forms within the stated deadline ( sent XX/XX/year> - Deadline was XX/XX/year> ), we have certified USPS tracking information it was received by both the service and collection companies, with a detailed letter stating we did not have record of contracting services and again asking for proof of contract. XXXX XXXX did not acknowledge receipt even with our proof as another notice was received on XX/XX/year>. We certified mailed another letter with proof of earlier dispute. They have now reported on the personal credit for XXXX XXXX, not the commercial accounts.
Consumer complaint received 2017-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$180.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance :
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Case # XXXX - Complaint # XXXX Hello XXXX, Thanks for filing a Formal Complaint with Coinbase.

The Disputes Team is currently looking into your Complaint and we require some more time to fully investigate and respond to you. Please allow up to 20 business days to fully investigate your complaint and provide you with a Resolution Notice. 
Thanks for your patience, we will provide you with a response as soon as possible. 
Coinbase Support Thank you XXXX Coinbase sent me a email on XX/XX/2021 regarding my unauthorized transaction {$3000.00} wire transfer on XX/XX/2021. Over a month! I havent receive any response from Coinbase.com I was scammed from avatrade platform, stealing money though Coinbase account. They illegally without permission transfer my money from my Coinbase account to another platform! On XX/XX/XXXX, I did report to my Bank, law enforcement and FBI, FTC, FCPB, news station ... I have all the case number can provide if necessary. I think cionbase has a big loophole that allows crooks to use cionbase to steal money and hack into user account transfer money to another platform. I hope Coinbase to stop that and improve security system and return my money!
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc. (MI)

I moved in XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and XXXX. Send them documentation XX/XX/XXXX. Now total card is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX