davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX I sent a request to validate a debt that was shown on my XXXX, XXXX  and XXXX  credit reported. There was a derogatory remark on my credit report from a CAVALRY PORTFOLIO SERVIC showing 2 different accounts one with the total balance due of {$2800.00} & another balance of {$4100.00} Following up letters were also sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

They have also provided a bill of sale and assignment dated XX/XX/XXXX by XXXX to Cavalry claiming to be part of this account but does not have my name, signature, debt amount or dates included. 

According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America is denying a claim ( dispute ) that I opened because my card was used. Bank of America closed my account and took my temporary credit back 2 months ago, I been calling the dispute department and they blocked my phone number, when I call from a different number that the one that I have on my account then they respond to my call after 3 hours waiting on the line. 
The claim number is XXXX, with the account ending in XXXX. 
Bank of America havent provide a reason of why they are denying my claim even that I asked them several times, the only thing that the letter says is that No posting error has occurred on your account, I got a call from somebody in the escalations department but I been calling her everyday since 2 weeks ago and I havent receive response either, Bank of America is playing with a lot a people like me since everybody is twitting their experience. 
This is not fair I need a reason why they denying my claim and proof over wise I will put a complaint with General Attorney about their scam practices.
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: Experian Information Solutions Inc. (NY)

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXX WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MA)

Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Recovery Services Inc. (TN)

We signed up for XXXX XXXX because it was a XXXX XXXX. Our son is XXXX, and it was important for us to have a nurturing environment. What we received was anything but. Teachers were unresponsive, and uncaring about the situation. We paid {$2100.00} and after they refused to address our concerns we stopped paying. XXXX in turn locked him out of classes. When they finally responded, they offered for us to pay for extensions so he could finish classes, and then if he could not finish, to pay another {$3000.00} to take the classes all over again. That was their solution. We of course refused. They in turned cancelled our account and when I pulled up my credit report a year later, they had hired a collection agency and put a {$1500.00} charge off on my credit report. When I pulled up my wife 's credit report, they had put it on her credit as well. She had nothing to do with XXXX, never signed anything, never spoke to them at all. When I contacted XXXX XXXX at XXXX multiple times he simply never responded.He did n't even respond. When I started complaining on social media last week, only then did they respond. They said they removed everything from wife 's credit long ago, that was a lie They then refused to discuss the matter, DIversified Recovery services refused to take it off our credit for 2 years, same with XXXX. We have been denied loans, seen our interest rates go up. Etc.. They only now said they would take it off. XXXX and XXXX are the Accreditation people who allowed this to happen. When informed they did nothing.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My mortgage company and servicer (XX/XX/XXXX/Shellpoint ) continues to send me letters threatening foreclosure, that my loan is in default, demanding profit/Loss and Dodd-Frank paperwork, placing me under Loss Mitigation status despite my being protected by Covid-19 hardship mortgage relief since XXXX ( CFPB case # XXXX ). XX/XX/XXXX/NewRez switched me to another mortgage servicer on XX/XX/XXXX, just Prior to my requesting an additional 180-day extension as provided by the CARES Act. Despite my sending multiple requests for extension via email XXXX XX/XX/XXXX and XX/XX/XXXX ) and fax ( sent XX/XX/XXXX ), the threats continued as they pretended to not receive them because I didnt use their online portal which binds you to their limited repayment options. After receiving foreclosure threat viaXX/XX/XXXX I called and spoke to an agent who confirmed my Covid relief had been extended through XXXX and to call back then. Yet the threats continue ; they say I must keep in contact while under Loss Mitigaton, yet when I call they have no agents available because of Covid. So they have ramifications from Covid but their customers dont? NewRez also erroneously claimed ( in a letter dating XX/XX/XXXX ccing CFPB ) that my mortgage is not federally backed and not eligible for relief under the Cares Act.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have repeatedly contacted collections agency Portfolio Recovery to make them aware that i do not know of any accounts, nor do I own any collections account in the amount of {$5300.00}. I have sent letters and I have also disputed this account with XXXX, XXXX and XXXX. 
Currently on my credit report for all three bureaus it states Dispute resolvedcustomer agreed. I have NEVER agreed that that account belongs to me. This account was removed from all credit bureaus almost two years ago and now its back again. I requesting your help with the removal of this negative impact on my credit report.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OH)

Yes I just purchased a new lease vehicle. Called ally bank. Asked for a deferral. They told me I have too weigh 6months. I'm in social security XXXX. Going thru hardship. Also corona virus. Hoping too get deferred payment. Hope they can make exceptions
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (FL)

I send out a dispute letter to all there credit bureau XX/XX/XXXX, XX/XX/XXXX and Experian to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.
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: EQUIFAX, INC. (IL)

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Account 's are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion. 
Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2024-03-01
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. (GA)

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently review my credit report and noticed unauthorized/fraud accounts XXXX XXXX XXXX XXXX in the amount of {$21000.00}. XXXX XXXX in the amount of {$1600.00}. XXXX XXXXXXXX XXXX XXXX in the amount of {$13000.00}. XXXX XXXX XXXX XXXX in the amount of {$10000.00}. Accounts are collection or closed accounts that I do not recognize. I have put a Fraud Alert on all with all credit bureaus. I asked for Method of Verification or deletion from EQUIFAX after the dispute results stated that the account verified it belong to me. It has been past 30days. Please delete unknown account.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (OH)

Chrysler Capital was paid on XX/XX/2020 for the full payoff of the lease. They refuse to close out the account, which is causing my credit bureau to show an open auto loan. My wife is not able to purchase a vehicle because of this.
Consumer complaint received 2021-04-11
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX Reported on my account as a collection. XXXX XXXX XXXX Usa states per credit report that this account was opened XX/XX/XXXX .XXXX XXXX Bank XXXX added a derogatory mark on my credit report. Per XXXX XXXX, XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX Jpmcb Card Reported on my account as a collection. Jpmcb Card states per credit report that this account was opened XX/XX/XXXX .Jpmcb Card added a derogatory mark on my credit report. Per XXXX XXXX XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from Jpmcb Card except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Jpmcb Card has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I have never had a XXXX account in my name, this is not my debt. My husband has XXXX  in his name and the account is in good standing. If there was a debt owed prior to 2016 we declared bankruptcy and that would have been included then
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Multiple steps and actions have been taken with trying to get Equifax to correct my file. I have not be able to get anyone that is able to correct the issue in accessing my credit file when I'm either trying to apply for credit or for my business, when I'm applying for services and Equifax is the agency being used ( XXXX XXXX, XXXX XXXX for examples. ) I've been told that support needs to correct it, then I'm told high management needs to unlock it, and then I'm receiving calls on those trying to fix it, but never get a follow up and when I do try, I've been on calls for 3 hours ( two times this happened ). Every other call I'm constantly rerouted and no one is ever on the same page. I've been asked to submit proof of identity multiple times. When I informed them that I have, I'm told there is nothing on file. I ask them to double check and check notes, and 30 minutes later, they come back and say that they do have my ID, Social, Birth Certificate and Passport, as well as Utility Bills on file. Equifax is preventing me from a lot, especially when it comes to my business. I don't know what do to, who to speak with, or who can fix it. Tech support, no XXXX, no one can fix the issue or know what the issue is. My file needs to be deleted and/or reset, I don't know what else to say. XXXX XXXX XXXX XXXX, and my social are the only two that need to be matched up. I was once told that my name was in wrong and I've submitted multiple correction forms.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (FL)

My debit card was not working properly at all XXXX2020 I also was unable to report a change of address over a period of 7 months- I have forwarded my mail, yet the most current statements are and have been missing for almost that amount of time. 

I called the agency who deals and has the exclusive business with the Department of Treasury ( Social Security ) XXXX and was treated as a complete XXXX after finally being able to reach a " human ''. The call was herrendous they succeeded only in infuriating me. XX/XX/2020 " Direct Express '' is immune from the XXXX since they have secured a government contract with the Dept. of Treasury. 

Ultimately I have been told I would be contacted by someone form US Direct Express by telephone as I was told there was NO OTHER WAY TO VERIFY WHO I WAS. 
I have not been called. 

I do not have access to my benefits. My card does not work.
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 — Account status incorrect
Company: EQUIFAX, INC. (IA)

Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXX.its affects my credit score greatl.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (KS)

I received an unsolicited debit card from XXXX/MoneyLionin the mail on Saturday, XXXX. I found the company website and called the support number first thing Monday morning, to find details about how the account was opened and that it be closed. They refused to closet the account until I provided a signed affidavit to their fraud department. On XXXX, the fraud department emailed me requesting that I complete the affidavit and provide several pieces of personal info ( driver 's license, scanned social security card, proof of residency, etc ). They did not provide a secure way to upload these documents. I am currently waiting on more information from them, but am very uncomfortable with how this was handled so far. I provided my name, address, phone number, and last four of my SSN to the customer service rep when requesting that they close the account. They would not tell me what state it was opened in or if it was used. My incident number with them is # XXXX.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

The medical bill is wrongly billed. Instead of medical office billing government insurance issued from medicate and or workers compensation from the United States postal service they have falsely billed me. I tried contacting medical office but everyone keeps giving me the run around stating I need to speak to another person. I contacted debt collector and they stated I have to specific information such as workers compensation case number and etc. They also said to have my medicate insurance policy number in which led me to call medical office so I can retrieve this old information. I have given all this information to medical office when I was seen and yet they still billed me wrong. I shouldnt have to suffer any longer for medical office mistake. Depot collector should verify information since they took the debt. Both parties need to communicate and vindicate my name / credit because I am not responsible for this debt. Please help me because no one at the medical office is willing to help me with any information of billing.