davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

I sent a letter to SYNCB/PPC to validate a false debt that they put in my name and has been negatively effecting my credit report, the weren't able to validate the debt as mine so they closed the account and registered it as paid, although I have never given them a dime.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/21, I received a the attached letter titled " AmexltrXX/XX/21 '' from American Express, which seems to be in regard to settlement. ( Although this letter seems to elude to the alleged account being closed, due to settlement at a previous time, I have never stated that this alleged account has been previously settled at any time. ) I responded on XX/XX/21, with my settlement offer, in the attached letter titled " AmexltrXXXX ''. In my correspondence I specifically stated that my offer was not a validation request in bold letters at the bottom. But then, I received the attached letter titled " amexfalsecreditreportingXXXX '', stating that American Express reports their alleged account as '' in dispute '' with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, credit reporting agencies. There is no dispute. This information is false. American Expresses behavior is harassment which defames my character and causes XX/XX/XXXX. There should be no doubt whatsoever that reporting this information is false.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

My niece defaulted on a student loan of {$9100.00} through XXXX XXXX on which I was a co-signer, that was referred to XXXX XXXX. I have now lost contact with my niece ( she finished XXXX XXXX and XXXX XXXX XXXX ). The loan went to Navient and now they have turned this over to XXXX XXXX agency. The have offered two options : Pay a lesser amount on the loan ( {$4400.00} ) or pay XXXX to take my name off the loan. 

My question is whether this is even legal since XXXX XXXX says only the original loan holder can ask for the co-signers name to be removed? 

I want this to be resolved with least cost to me but that will restore my credit ( otherwise excellent ).
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have Experian, XXXX and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the American Express account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage is the servicer of the loan. Due to my wife 's illness we struggled making payments. By law, we were offered Foreclosure Avoidance Assessment ( loan mitigation options ). I replied asking for forbearance until we got on our feet. I was never given an answer on this request. 

Instead I was asked for documents to support a loan modification. I provided all the requested documents. I explained that my wife was in XXXX and was again working full time. I explained I had obtained a XXXX XXXX. I was working part time to achieve a full year of XXXX experience, which is required for most XXXX XXXX positions. I started my job on XXXX/XXXX/XXXX. 

Shellpoint kept sending me correspondence asking for the same documents. I responded each time to these requests. I was never given an answer on the loan modification. They kept saying I could do a short sale. I explained that I had over {$200000.00} equity in the home and that our plan is to keep it. I said we were ready to begin making payments and just needed conformation. 

I was given the following ways to contact Shellpoint. Fax at XXXX or e-mail at XXXXXXXXXXXX. I used the fax number to send the requested documents. I have the confirmation from theses faxes. I used the e-mail address asking for confirmation of receipt. I have a total of seven saved sent e-mails asking for confirmation of receipt of documents. I asked over and over to please respond to me e-mail request. They never did. 

On XXXX/XXXX/XXXX I received a letter saying foreclosure had begun. I assume the next step is after the required 30 days to file a notice of default. 

I have talked to a HUD counselor about next steps. He said I should keep pushing Shellpoint on why they would n't respond to my e-mail requests concerning receipt of requested documents. He said it is possible they have been stalling because after 30 days of working on loss mitigation options they can start foreclosure if there is no agreement. He has also given me a referral for a foreclosure attorney.

I have detailed documentation of all these interactions with dates and confirmations of faxes or Priority US PS mailings. I do n't have a scanner so I ca n't attach them here.
Consumer complaint received 2020-11-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase/XXXX that was unexpectedly disabled right before an extremely large surge in price. My account was already verified and active ( successfully trading for days prior ). Timeline as follows ... 

XXXX XXXX : Account is disabled after a sell of all my coin on that exchange at XXXX XXXX {$8100.00} USD ).  Plan to buy the dip was unable to be fulfilled. ( H:XXXX, L:XXXX ). Instructed to call support, but no phone support available and no voicemail able to be left. Emailed support via website. 

XXXX XXXX : No response, little activity in BTC. 

XXXX XXXX : Still no response, still attempting to call and email. Market surges in value ( H : XXXX ). Start a withdrawal despite website status stating that US withdrawals are experiencing issues. 

XXXX XXXX : Submit another request as market surges yet again ( H:XXXX ). Also file complaint with the BBB ( hadnt thought to file with CFPB yet. No responses.

Current : Received my USD funds, but will be unable to capitalize on market activity for several days due to these issues.
Consumer complaint received 2023-01-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-11-01
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. (NC)

MY EX DAUGHTER IN LAW OPENED A CAR LOAN IN MY NAME WHEN I WAS AT THE HOSPITAL WITH A MASSIVE XXXX. NO KNOWLEDGE OF LOAN UNDER IT HIT MY CREDIT FILE, I HAVE ASKED SEVERAL TIMES FOR THE COPIES OF THE CONTRACTS THAT WERE SIGNED AT THE DEALERSHIP BUT IT SIMS THAT NO ONE CAN COME UP WITH THIS PAPERWORK. I HAVE ATTACHED A FTC REPORT, WARRANT FOR MY EX DAUGHTER IN LAWS ARRESTED, POLICE REPORT, LETTER STATING THAT THE FTC WANTS THIS ACCOUNT TAKEN OFF MY THREE CREDIT FILES. REMOVE AND BLOCK.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX of 2021, I mailed a dispute letter to XXXX  and Transunion about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted XXXX  and Transunion in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

In the month of XX/XX/XXXX something popped up on my credit report for XX/XX/XXXX for {$3200.00} from Southern management syst. I was never aware of owing any company that amount in that period of time.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''. 
I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank. 
I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX  and XXXX  XXXX Example of XXXX  dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX  Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date. 
This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please see to it that the designer/tech responsible for creating the fields offers the Other problem field so that I am enabled to file a complaint related to my issue. Actually, it is NOT a complaint, but a LAWFUL DEMAND FOR A REASONABLE ACCOMMODATION FOR MY XXXX ( in comparison to the genius who designed or requested the design of this website. Please be aware that this is the potential for my government to be successfully sued for failure to make reasonable accommodations for my human conditions. Most likely though, this will be reviewed by AI and AI was NOT instructed correctly to work within the perameters of obeying all the laws regarding its treatments and considerations of interfacing with humans which are XXXX in comparison because that legal precedent has yet to be set in a court of law, but I contend that an actual human lawyer might actually read this and see that the government ( federal ) just might want to act in accordance with the mandate of the XXXX and that it would NOT be such a leap to see that an over stressed judge just might identify with the proposal of a civil human that indeed we humans are XXXX in comparison to AI and AI is failing to make reasonable accommodations for humans who interface with it! But, here is my record of this attempt to have my government make itself useful and relevant to my life which might justify the use of tax money. Furthermore, I believe that governments failure to address the real needs of the public and for it ( Federal ) government to violate itself is a behavior which nullifies itself as a sovereign government and opens it up to the civil dissoving of itself by court order, and all other governments which likewise violate there own mandates/laws when interfacing with its citizens human. Thank you for your consideration/s. I can only hope that self teaching XXXX will eventually get to this matter before hand, but whos to say.