davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXXS Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account NumbXXXX : XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letter to XXXX, XXXX, and TransUnion on XXXX XXXX  to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You
Consumer complaint received 2021-10-19
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. (FL)

I sent letter to XXXX, Equifax, and XXXX on XXXX XXXX to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I have been reaching out to Coinbase for 5 years now! In 2016 I had my account deleted they said I had violated a the user agree but never once explained what I did that was in violation. After I received that notice they said I would be able to withdrawal my funds and take them off Coinbase. The next time I had tried to log into my account it was deleted. I believe I have roughly XXXX in the account now. I explained my situation to them many times over the years and I requested an explanation for why my account was deleted and an account statement of all transactions for that account. Two reasonable things I believe I should be entitled too. I just got a response back last week and the completely ignored the fact that I need help logging back into my account to get my funds. And they never gave me an explanation as to why I had my account deleted or provided an account statement, however they did mention my funds were safe. I followed up about 3 times since and again unresponsive. 
I really just want my money back.
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (CO)

I have been in and out of the Hospital having XXXX, I make my payments, struggling to make full payments {$290.00}, I have been making partial payments, In XXXX I made {$590.00} payments, was suppose to get a 3 month extension, if I give my credit card information. I still get repeat call 3 times a day, even on Sunday. I am not avoiding phone calls from these people. I made a payment arrangements with this company online still get these repeated phone calls.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Jamestown, Inc. (NY)

This debt was for my son who went to the emergency room for an issue he was XXXX yrs old. They billed me for his account when he was legal age and on his own. I was not even there when he was treated. How am I responsible.
Consumer complaint received 2021-10-19
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. (FL)

I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.
Consumer complaint received 2021-10-19
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. (FL)

I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I recently requested my 1098 year end statement since i didn't receive it in the regular mail and got an error when i tried to log on to obtain it and received an e-mail with the form but the e-mail was unsecured and the form had my full social security number. I sent another inquiry regarding why my whole social security number was on sent by unsecured e-mail but got a response that indicated that we sent you the 1098 form instead. They didn't seem to be concerned about sending a client 's whole unmasked social security number by regular e-mail.
Consumer complaint received 2021-10-19
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)

I noticed that TransUnion is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX  XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent documents to Experian ( Tracking ID : XXXX ) and XXXX  ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either
Consumer complaint received 2021-10-11
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. (OH)

My credit report was accessed by XXXX XXXX which caused my score to drop 28 points with Equifax. XXXX XXXX did an investigation and found that I didn't apply and my social was never used. They have no information to show that I applied. The date of the hard inquiry was XX/XX/21. I informed XXXX XXXX and they sent me and Equifax a letter saying it was an error and asked that all bureaus remove the hard I inquiry. I filed a report with the FTC and with this company previously as well. However, Equifax is now saying that didn't receive any documents from XXXX XXXX asking to remove the inquiry and that XXXX XXXX could have it removed electronically. I have been calling XXXX XXXX and have been put on hold for over an hour to be disconnected over 3 times. I submitted every document required by Equifax and they are still not taking my dispute seriously enough to help and XXXX XXXX is even worse. Please remove this unauthorized hard inquiry from my report.
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-04-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Sps stated on a recent letter dated XXXX XXXX that I did not mention Covid relief on XXXX XXXX. I, have wittinesses and documentation, .recordings. I, also spoke to XXXX XXXX on XXXX XXXX XXXX on XX/XX/21 XXXX all Covid 19 discussions deferral and trial modifications, I was told I needed profit loss 2 year tax return 2 month bank statement and occupancy. I was told and it was recorded by this individual Covid relief end date was XX/XX/XXXX-my call was XXXX XXXX. In accordance to rep XXXX. XXXX XXXX. XXXX pm IIm requesting information not to be reported on my credit and back mortgage for the two months to be added on the back of the loan and not separated to be sold for collections and few months later with extremely taxes and interest.
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (NY)

I currently have a primary 30 year fixed mortgage and a second lien HELOC. I originally opened the HELOC in XXXX and in XXXX decided to raise the limit. Apparently the original HELOC was not closed out properly and is still showing as a lien on my property ( for 3 total instead of 2 ). I found this out because I am attempting to refinance my primary loan and have been stuck trying to clear the title of the 3rd lien. 

The current 30 year loan is with XXXX and the HELOCs ( both ) are with KeyBank. I am trying to refinance with KeyBank to have everything under one roof. My initial application was on XX/XX/XXXX and my appraisal was done in XXXX. The original closing date was XX/XX/XXXX and has now been pushed back AGAIN for a 5th time into XX/XX/XXXX. What should have been a 2 to 3 month process is now pushing into 8 months! On top of this, my HELOC has been frozen for 3 months now which has prevented me from accessing my funds while charging my monthly fees and surcharges. 

KeyBank is telling me the county ( XXXX County NY ) is not responding to their requests so I contacted the county clerk directly myself. I was told they are roughly a week behind on paperwork and did NOT have anything from KeyBank pending for my property. The only answers I am getting from KeyBank is they are working on it.

The worst part is I couldn't even attempt to refinance with another bank at this point because the issue is the existing HELOC, Regardless, this process needs to go through KeyBank to close out the original HELOC.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (OR)

XXXX XXXX has been calling my family members, including my grandmother, uncle, and my uncles ex-wife, multiple times trying to get information about me, even though they have my address and phone number and I have talked to them several times. In the times Ive called, Ive asked them to please stop contacting my family members ; their response : we are allowed to contact anyone we want in order to get in contact with you. It doesnt make sense and is illegal to contact others if they have my information and are in contact with me. They keep calling my family members, telling them details including the fact that I have a credit card with XXXX XXXX that is in collections and they threaten me with legal action if my family members dont pay or provide information about me. They tell my family members to tell me I am going to be in legal trouble if I dont call. Ive called them several times to tell them I am unable to pay! Yet they still harass my family members. It needs to stop.
Consumer complaint received 2020-12-01
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: FORD MOTOR CREDIT CO. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX  XXXX XXXX  FI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, FORD MOTOR CREDIT add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries.
Consumer complaint received 2020-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (GA)

I refinanced my home with XXXX XXXX XXXX and they sold my mortgage to village capital. village capital then sent me a letter in XX/XX/2020 stating that they were going to purchase homeowners insurance. I already had homeowners insurance with XXXX. I then paid my insurance {$2400.00} and rent the paperwork to village capital for a refund. I am now to the point where i am talking to XXXX XXXX her number is XXXX. I have filed a claim with the XXXX XXXX XXXX. The insurance was to be paid in my refinance and never was.
Consumer complaint received 2021-10-11
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: TD BANK US HOLDING COMPANY (CA)

I ordered an XXXX exercise bike from XXXX XXXX but was charged for a over {$4000.00} treadmill. 
It took me countless hours to resolve this situation with TD Loan who XXXX XXXX uses for their financing. 
I am so upset to have been treated so unprofessionally and now see that my credit has lowered because of them reporting I owe {$4300.00} when I only owe {$2000.00}. 
Im very upset.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (TX)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC. (GA)

The Midland credit is a company that purchased my old bill from XXXX XXXX XXXX that agreed becasue of our hardship my husband suddenly was diagnosed with XXXX and died XX/XX/XXXX we lost our home everything. They agreed to close the account and wave the amount but then sold it or this Midland credit picked it up and refuse to quit pursuing it.
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (PA)

Failure to Validate Debt XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX XX/XX/2021 After reviewing your response, which is attached, I saw what looks like a bank statement that was sent from your company as an attempt to validate this alleged debt. A bank statement in no way shows any originality nor proof of this alleged debt which means it does not validate that this alleged debt is mine, as your company assumes. Those alleged charges could have been made by anyone, therefore it does not prove nor validate anything. Pursuant to 15 USC 1692g an assumption by any debt collector is not validation. Since your company, Client Services, has failed to provide any of the documents that was requested in my original letter, except a bank statement, to prove and validate that the alleged debt is mine, in which your company assumes. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. 


Best Regards.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.