davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.
Consumer complaint received 2021-09-09
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Choice Assets LLC. (GA)

The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC. (PA)

I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (FL)

I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$2000.00} On  XXXX / XXXX /  XXXX   Was Added To All  XXXX  Of My Credit!!
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

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 contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Ballybunion Enterprises, Inc (FL)

I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.
Consumer complaint received 2017-04-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (KS)

Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled.
I paid on them for 15   more. I tried to settle them and they would not try to settle.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (NC)

XXXX hospital in XXXX NC on XXXX/XXXX/XXXX mind you even after Im making payments and Im going attach the one from XXXX showing it was posted in fact on XXXX from husbands acct for {$25.00} appplied toward my {$500.00} balance which now remains {$470.00} owed left. So XXXX still sends ROI letter out with date on top of XXXX same day the check posted for payment {$25.00} this is poor on XXXX part.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (NY)

XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 

Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (CT)

XXXX XXXX is attempting to collect on past due amount of {$130.00} owed to Continental XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to XX/XX/XXXXnot..
Consumer complaint received 2019-10-29
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. (WA)

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 contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX
Consumer complaint received 2017-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX XXXX, I deposited money for my father in XXXX. The online portal that MoneyGram has Only allows you to put the receiver name and receiver last name. Due to my father having a middle name, he was unable to get the money transfer. This is MoneyGrams fault because I was only asked for first and last name. I tried to log in and coincidentally my account was not identifiable and had an error. After I called Moneygram, they said they can cancel transaction but I would n't get my money until 10 days. That sounds like fraud to me.
Consumer complaint received 2019-10-29
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. (WA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  (  XXXX  )  XXXX  Put a hard credit inquiry on my history without my permission I was not looking for auto loans just wanted to buy a used car no loan.
Consumer complaint received 2018-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX-17 My husband and I we 're trying to refinance our vehicle thru XXXX XXXX XXXX. We were approved only to be called an told they could n't because our current company XXXX XXXX was n't FDIC Insured. We asked if their company would still show on credit or affect and they said no. Well that was n't true. Dropped about 20-30 points ot seems and we 've worked hard at fixing our credit. We really need this removed.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
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XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
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XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
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I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

XXXX  REWARDS CARD BY  SyNCRNIciTY BANK. i  have had problems making payments on this card, because of that i have been chsrged {$35.00} each time. i cant make electronic payments through my bank because  XXXX  doesnt offer tqqhat option. i have to login everytime but my email is never recognized so i have to have a password change everytime. so if i dont have my card with me it wont allow me to. i dont get rewards ever or a statement so im not ever sure what i owe bcause i cant login.i believe this is a trick to stop payments from being on time in order to get late fees.there is no email contact only phone and no one ever answers.i pay all of my cc on time this is t he only one that   there is an issue. this is illegal.
Consumer complaint received 2017-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Consumer complaint received 2017-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/2015 {$2000.00} I provided collection company and all three credit bureaus with proof of identity theft an police report documentation in regards rlto criminal investigation with all fraudulent accounts listed in report. XXXX and XXXX removed account. But even after several attempts XXXX  has yet to comply with fair credit reporting act and continues to list fraudulent account in my credit report. I have ask for proof of there debt validation letter or supporting document but XXXX  has fail to furnish any documentation even thought they are claiming they verified.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, J XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX Original Creditor : XXXX THE XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX HE XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.