davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (LA)

I went into Conns and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that Conns account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.
Consumer complaint received 2021-08-09
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: Receivables Performance Management, LLC (CO)

On XX/XX/2021, the company Receivables Performance, a collection company flagged my credit report for collection. The alledged amount is XXXX. The alledged creditor is XXXX. 
On XXXX, I opened a Fraud/Identity theft case with Receivables Performance.I advised this company, I have no knowledge of this account, that I have never conducted business w XXXX and requested documentation supporting this alledged account to be sent to me. I was advised by Receivables Performance that a letter will be sent to me, detailing how to initiate a fraud investigation. Fraud report # XXXX was opened. I was advised not to contact XXXX. 
On XXXX, at XXXX, I initiated a phone call to XXXX. I spoke to XXXX a XXXX representative. I advised XXXX that this account was not opened by me and requested additional info. XXXX advised me that he has had similar calls and situations as this. XXXX researched the alledged account, cells phones in XXXX XXXX ( i reside in XXXX ) and the cell phones had zero usage. 
XXXX advised me XXXX will be submitting a report to remove the finding, credut reporting. XXXX advised me to contact XXXX  and advise them of this.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (GA)

I have contacted the collection company and XXXXXXXX XXXX XXXX I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (DC)

I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

In the month of XXXX, 2017, I opened an account with Coinbase, under email XXXX. I linked it to my bank account and was able to make some purchases of virtual currency. One day suddenly I found that my account was restricted and could n't transact anymore. I contacted support via their online form, and waited, and waited ( several days ). I sent an email to XXXX ( as directed in several of their pages ) just to get an autoreply that the email was no longer being used for support. At any rate, despite my multiple attempts I never received a response, and I incurred losses as I was unable to trade virtual currencies ahead of what I had anticipated ( correctly ) would be drops in value. In the end, after many ( at least 4 ) attempts to contact support, I gave up. I transferred my devalued virtual currency to another exchange. 

As a Financial exchange, Coinbase should have a way to be reached via phone to address urgent issues, yet, there 's absolutely no way to do that. There is no phone number and their support simply does not respond, despite following the proper channels.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently filed a dispute with XXXX XXXX XXXX, where they claimed that I owe on account # XXXX. The issue the company has caused has been drastic towards my credit. I am requesting that they removed the collection of my credit if they can not show verifiable Proof ( an original Consumer Contract with my Signature on it ) that I owe the amount they claimed. The unverified items listed remain on my credit report in violation of Federal Law. XXXX XXXX  XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my account.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MD)

To Whom It May Concern, I am having an ongoing issue/dispute with XXXX XXXX and Waypoint Resource Group collections on their behalf stemming from an issue with lack of service and unknown billing for services not rendered. I have documented this situation fully, including chat sessions with XXXX XXXX agents and other mailings from the company. 

My issue begins with when service was attached at a temporary residence in Rhode Island and the transfer of that service to XXXX, Maryland. In essence I am being charged for services and termination when I never terminated anything because the service in my area is not covered by XXXX XXXX in the first place and because, having paid my account in full as agreed, I am being charged and subsequently reported negatively to the credit bureaus for an error of the company 's end. 

The summary of my issue is this : I am being charged {$100.00} for early termination. However, they did not provide service in my new location in XXXX, MD. Which when I signed up, I explained to the rep that I was in RI on a work assignment and was not sure if it was going to last two years. He told me that I could move my services if available at my new address and if not, I will not be charged the early termination fee. It is not my fault that they do not provide services in XXXX, MD. Another attachment is for a credit that I was given for {$200.00}. I used that card to pay my final bill, as I was told by one rep. 
I was also promised a {$50.00} gift card that I was promised due to the frequent interruptions in services. This interruption kept going on for several months until I got tired of it and complaint. The rep apologized and said that she was issuing me a {$50.00} card for all the trouble. One of the several times that I called to explain/discussed the final bill to them and the collection agency to call me I had explained and sent all the proof to. I disputed these charges with that collection agency when they call me with the charges. Unfortunately, I had not found that second card. I am pretty sure they have the conversation on record. The call between me and the rep was after the attached online chat with them. I call them on the phone after that. 


The issue is not of my doing nor should I be held responsible for lack of service by the company or the promises of one agent and the lack of follow through by another. While regrettable those issues are not of my doing. I am a customer who paid for a service and would have continued paying had the company provided the services in my area. I am asking that this agency provide mediation and oversight to this situation so that XXXX XXXX and Waypoint Resource Group will take serious my complaint and resolve it with the same expediency with which they have besmirched my credit profile.
Consumer complaint received 2023-01-28
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TX)

On XX/XX/2017, I was contacted by NCB Management Service INC on behalf of XXXX XXXX XXXX, stating that I owe a balance of {$7800.00} which was later reported on my credit. I made a settlement arrangement with the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.
Consumer complaint received 2024-02-22
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. (AL)

in accordance with the fair credit reporting act this creditor ( transunion, XXXX and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (PA)

Wells fargo would not let me use my checking account to pay my loan. I am requesting Charges from XXXX be reimbursed by Wells Fargo as well as reverse the loan XXXX fee and intrest reversal as a XXXX payment has been posted to the account. I am also requesting reimbursement of fees on the loan and checking and requesting that loan intrest be waived for this statement period only.
Consumer complaint received 2020-09-14
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. (WA)

On Thursday XX/XX/XXXX, I called XXXX and TransUnion because there are XXXX accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called XXXX   and TransUnion, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, XXXX, and TransUnion. The letter to XXXX  was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to TransUnion was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from XXXX or TransUnion. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (WI)

A letter was sent in late XXXX and early XXXX by XXXX XXXX XXXX requesting a reaffirmation agreement from Specialized Loan Servicing. Specialized Loan Servicing has not sent a reaffirmation agreement to the law office nor responded to our multiple requests. In addition, they have closed the account based on the XXXX Credit Report. We are still making payments on the account.
Consumer complaint received 2019-05-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I bought a home in XX/XX/XXXX. I filed bankruptcy & it was discharged XXXX of XXXX. I reaffirmed my first mortgage. I was completely unaware I had to reaffirm my 2nd mortgage as well. Fast forward to XXXX I refinanced with Obama 's " making homes affordable program '' 2nd mortgage never came up. Fast forward fall of XXXX I go to refinance my house & find I owe {$140000.00} on that second mortgage with SLS ( Specialized Loan Services ). The original company of my 2nd mortgage was XXXX then XXXX XXXX both went bankrupt in the crash so I know SLS bought my loan for pennies on the dollar. Since it was wrapped up in bankruptcy it was I was never notified, I am a XXXX XXXX XXXX it did not come up on preliminary title searches etc .... I had ZERO clue for 10yrs that loan was in place & accruing penalties/interest ( penalties/interest to the tune of {$75000.00} give or take ). 

I was DISTRAUGHT! I called SLS, submitted paperwork to settle the penalty amount, submitted paperwork to set up a payment plan to pay the full amount etc .... No one at SLS would work with me. Their stance was I owed the full {$140000.00} & I could make " voluntary payments '' but they reserved the right to foreclose. I immediately stared making my normal {$630.00} mortgage payment XX/XX/XXXX & my only option was to sell. I was FORCED to sell my home of 12yrs &  pay SLS the full amount, I listed my home immediately to avoid potential foreclosure by SLS. I had no other option to protect me, my family & my elderly parents who lived with me. We closed on our beloved home in XX/XX/XXXX only b/c SLS would not work with us & the risk was to great. 

I also remember a call from someone ( SLS/ maybe XXXX ) to pay this loan off for {$4000.00} in XXXX but I thought it was a scam b/c of the bankruptcy/crash of the market. So SLS bought this debt for nothing! 

How can SLS force me to sell, make me pay $ XXXX in interest & penalties that accrued over 10yrs without me even knowing any of this was going on. No contact, no letters, no calls etc ... ..
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (OH)

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party  database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX :
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I m a victim of identity theft and fraud, I tried for so many times to contact every companies and bureau of credit for report fraud and still those collections appear in my credit report. I do not know what to do anymore.
Consumer complaint received 2021-04-25
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 (VA)

In 2020, I made double payments to my capital one credit card. Unfortunately, the auto-payment was returned to me and I made an additional payment using my other account. The payment history shows as a 30 day late payment on my account. 

I've reached out to the company to investigate this and they say they are reporting factual information but I look at my statements and one of the payments was truly applied.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX REPORTED LATE PAYMENTS FROM ME IN XXXX, XXXX XXXX AND OF XXXX I ATTEMPTED TO GET IT RECTIFIED AND XXXX XXXX SENT ME A LETTER WHICH I THEN FORWARDED TO THE THREE CREDIT BUREAUS, HOWEVER TRANSUNION AND XXXX CONTINUE TO REPORT LATE PAYMENT DURING THIS TIME ON MY CREDIT REPORT..
Consumer complaint received 2021-03-25
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. (UNITED STATES MINOR OUTLYING ISLANDS)

on XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.