davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (TX)

Equifax continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.
Consumer complaint received 2021-10-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (IL)

On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from Capital Management services . In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, Capital One Management responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called Capital One Management to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with Capital One Management, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. Capital Management 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to XXXX regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from XXXX, I would be happy to share with CFPB. 

The previous reference number I had with Capital One Management was # XXXX. The active and current reference number they have assigned is # XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

About 20 years ago I purchased a small notebook from XXXX XXXX. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with XXXX XXXX and their pit bull debt collectors from Portfolio Recovery, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/21 my Coinbase.com account was illegally accessed and all my funds were withdrawn by a hacker. There are thousands of other people who have experieced the same issue for far more loss than I. The bad security allowed someone to gain access to thousands of accounts. My loss was less than {$3000.00} but they also gain access to my personal checking account to withdraw funds through Coinbase. They must be stopped please.
Consumer complaint received 2020-07-23
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-23
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America on XX/XX/2018 withdraw {$1200.00} from our checking account for a credit card charge off. The charge off is from an Corporate Account issued credit card. the account that the funds were taken from was a completely different account ( husband and wife/XXXX XXXX acct. ). We received no letter or notice that this was or had transpired. We are also going to receive overdrafts due to Bank of America taking these fund from our account.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/21, Paypal Credit who is DBA Synchrony Bank, denied me my credit when i asked for a credit limit increase. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1691k. I have proof that Paypal Credit/ Synchrony Bank denied me of my own credit. Which is actually listed which sums up to an invoice {$40000.00} for said violations. ( {$10000.00} per violation which there was a total of 4 )
Consumer complaint received 2021-07-19
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 in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to XXXX  - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CHXXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to tranunion - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : 1 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to experian - 1. The following personal information is incorrect Account Number : Also Known As : XXXX A XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX FL 1 XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute the inaccurate information regarding a late account on my credit report. Despite contacting the bank, they can not provide records but have verbally committed to a positive update on the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (IN)

I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

While living in XXXX california. I stayed in a shared apartment. At that time while I was at work the other guy name XXXX XXXX ( XXXX ) used my personal laptop which was in my room and collected all of my personal details which include my ssn, passport and my XXXX forms. I came to know about this after checking my credit history. he open my accounts under my name. he kept my id 's in opening XXXX, XXXX and in some financial online banking accounts. I lately came to know that many people got effected by this person XXXX.
Consumer complaint received 2020-11-04
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. (CA)

Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Since XX/XX/XXXX my mortgage has been serviced by Ocwen. They have never handled my escrow account properly. The first red flag was that it took two months to get Ocwen to acknowledge my property insurance policy number. On XX/XX/XXXX, after numerous unsuccessful calls from both myself AND my insurance agent I finally had to make a three way call with Ocwen and my insurance agent to prove to the Ocwen agent that my XXXX XXXX XXXX WAS accepting calls at the number I gave him. 
Twice a year, they mail a letter to me requesting that I send my actual property tax bill in an enclosed return envelope, by a specific date. I am never sure if I will receive this letter at all, let alone on time. If and when I do receive the letter, nowhere on the envelope or in the return window does it state that it is from Ocwen or that it is regarding a time sensitive issue from a mortgage company. As far as business practices are concerned there is no good reason to do this. Excluding the business name on the envelope makes it appear no different than junk mail. 
Since XX/XX/XXXX I have been asking Ocwen why they choose to exclude their company name on these envelopes and they will not answer the question. 
I have always paid my bills in a timely manner and have a great credit record. I can pay property tax and insurance on my own without these issues. I sent a request for escrow account waiver XX/XX/XXXX and have not received a response about that either.
Consumer complaint received 2021-05-24
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: LEXISNEXIS (NJ)

I am Consumer number XXXX. This concerns case # XXXX I received my Consumer Disclosure Report and note that In the phone records, pages 15-16, records 2-10 are associated with addresses I've never lived at. I would like this information deleted from my file.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

MAGWV sent correspondence dated XX/XX/22 in which they refuse two payments of homeowners association assessments in the amount of {$440.00}. This is the regular amount of monthly assessments and the memo field of both checks indicates what they are for. They have inflated the debt by misapplying or allowing to remain unapplied payments made toward HOA assessments.
Consumer complaint received 2021-07-19
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. (NY)

On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-31
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. (PA)

This Account for XXXX  XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THE COMPANY IS REPORTING A BANCKRUPTCY THAT IS INACCURATE AND I HAVE WRITTEN TO THEM FOR SEVERAL MONTHS ABOUT THIS PROPBLEM. THEY CLAIMED THAT THE COURT HOUSE VERIFIED THESE INACCURATE REPORTING AND I REACHED OUT TO THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DID NOT GIVE OUT SUCH INFORMATION. I THEN SENT THEM THIS INFORMATION AND THEY STILL CONTINUED TO LEAVE IT ON MY CREDIT FILE
Consumer complaint received 2018-02-02
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. (LA)

I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC (RI)

In the past 6 month I am currently receiving calls and notifications from the company : INDEPENDENCE CAPITAL RECOVERY LLC, with address in XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; name of the person is XXXX XXXX and phone number XXXX. 
This company is calling me every day and I told them to stop calling me or my relatives because I have a company in charge of my debits account. They continue with their threats to sue me, but in compulsive way and completely outside the legal norms. In these 6 month they have been contacting other people related with me, for example my Landor XXXX XXXX, my mother XXXX XXXX, my sister XXXX XXXX ; they are telling my relative that they going to sue me and giving these relative information about my personal information or at least informing them of my situation with that company. 
I have a company in charge of all my debit accounts XXXX XXXX XXXX and this company know, because they send to Independence Capital Recovery LL a letter with all the information 's and asking them to worked together about this account. 
I need your help with this because a didn't refused to pay my debit, but they need to worked with the company that I have in charge of my debit and STOP calling me or my relative.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (LA)

HAVE WRITTEN THEM SEVERAL TIMES AND THE ACCOUNT WAS DELETED FROM MY CREDIT REPORT AND THEY READDED THE ACCOUNT BACK TO MY CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR OVER 7 MONTHS AND THE ACCOUNT WAS NOT PROPERLY VERIFIED AND WAS OVER THE STATUE OF LIMITATIONS. THEY ARE ATEMPING TO COLLECT ON A DEBT THAT WAS DLETED AND I DID NOT GET A FIVE DAY NOTICE FOR THEM ADDING IT BACK TO MY CREDIT REPORT.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This Account for XXXX XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.