davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
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. (MI)

I am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS
Consumer complaint received 2017-09-21
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. (CA)

My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

SLS and XXXX claim to not be affiliated, but both advertise ability to make loan payments on the portal. We have been making payments via XXXX for SLS since XX/XX/2019. SLS acknowledged verbally that they show an entry for a XX/XX/XXXX payment. We were not told until yesterday XX/XX/19 that this whole time they are not affiliated with XXXX. We were never late, and are now showing a 30 day late in XX/XX/2019. I am concerned that XXXX  is not applying funds appropriately to SLS.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX Transunion File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

I borrowed a total amount of {$1700.00} from Coinbase.com. I paid back {$1600.00}, so I only owe {$72.00}, but my loan balance shows that I owe {$950.00}. I contacted their customer service but they said they don't see anything wrong. I attached my loan transactions and Coinbase response.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
Consumer complaint received 2022-11-06
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. (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 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

During covid 19 of last year we had lost our jobs and were able to work for quite a bit. I had contacted Shellpoint Mortgage last XXXX XX/XX/XXXX and requested a forbearance, they received a hardship letter and info they needed. XXXX came up and we started getting letter about being behind on our home and late fees were added on for months it didnt seem like a forbearance ever happened, i had been in contact with this company with emails and phone calls. For some reason or another the gentlemen couldn't open up my Pdf or didn't receive it everytime, i would call and talk to someone else and they had no idea what i was talking about! there was no communication threw dealing with shellpoint mortgage and this covid 19 crisis. The last conversation i had with this company was absolutely horrifying this was XX/XX/XXXX while trying to get someone on the same page as me or even to point me in the right direction, the employee on the other side of the phone was so rude as i am crying about the possibilities of losing our home. He then asked me if i had any wealthy friends that could loan me the balance was due on my home, which was XXXX i was shocked, and then he goes on and says u should sell your home. i have XXXX children under XXXX!!! this was not ok with me and im sure alot of others feel the same,. On XX/XX/XXXX we recieved a letter of a loan transfer to a new company
Consumer complaint received 2017-09-21
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. (CA)

Dear Whom it may concern, I have a medical collection account on my credit reports including Trans-union, XXXX  and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit  reporting agency 's.
Consumer complaint received 2020-10-27
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 XXXX  data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-09-23
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. (LA)

There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I XXXX XXXX OnXX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will be forced to file for litigation due to the stress you caused me.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (DE)

We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received an offer for 0 % rate until XXXX 2021. I called to take advantage of this but was denied a lower rate unless I did balance transfer. However, the offer doesn't state balance transfer. I wanted to make a large purchase using this card but at the lower rate offer.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (NV)

I sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus
Consumer complaint received 2020-10-27
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. (NV)

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LPSG (FL)

This is the second complaint I have filed regarding this issue but I have more detail to add. 
On XXXX/XXXX/XXXX I received a call from " XXXX '' at XXXX. I have traced this number to XXXX XXXX XXXX in XXXX XXXX California. XXXX said XXXX uniformed officers were coming to my house on XXXX/XXXX/XXXX to serve me with some legal papers. XXXX gave me a number to call, XXXX, and a case number XXXX, also in XXXX XXXX, California. Someone I called at that number said they were from XXXX XXXX and XXXX. I can not find a listing in XXXX XXXX for this firm. 
The woman I spoke to at extension XXXX, told me this was about a credit card that was charged off in XXXX. I know the statute of limitations for lawsuits in Florida. This would be a dead debt. She then went on to claim that I made a deal in XXXX XXXX XXXX she gave an exact date ) with some collector and started paying this debt and defaulted, thus renewing the debt. I did no such thing, I wrote no checks or money orders, I made no negotiations and I neither talked or spoke to anyone from XXXX XXXX Bank XXXX XXXX in XXXX XXXX. She fabricated this story as a scare tactic. This woman went on to say she was giving me XXXX hours to get my " ducks in order '' and call this creditor before legal action would be taken. 
I do n't understand how this company can claim I made a payment or negotiated with a debtor when I know this is not true. This is fraud.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (CA)

I made a call to American Express trying to get an increase of the Cash advance amount I have available. My credit limit was {$6700.00} and only {$200.00} dollars available for cash. I spoke with a representative on the phone and he said the only way to be able to request an increase on cash advance limit, I would have to request an increase also on my credit limit so he suggested I do at least a {$100.00} dollar request on my credit limit which I agreed. He also asked if I was planning on get cash from my card and I said Yes. The response I got was that both my requests were denied and that I would be receiving a letter on the mail. A few days later I call again to get my card PIN number because I needed it to make a cash withdrawal and the agent on the phone said if I was aware my credit limit was dropped to {$1000.00} dollars. So I told him that's not possible that I had just checked the app a few days earlier and my credit limit was {$6700.00} and I had a {$0.00} balance. And he said they had done this review back on XXXX and I said that was not true because I had just called and they reviewed my account only because I called to get some help over the phone trying to get a cash advance increase, I told him I felt discriminated that they had done that just because I called. If I hadn't called my credit limit and account would be the same. What can I do in this case?
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (VA)

I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

Original credit company, Comenity Capital bank XXXX New York & Company credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to Comenity but only can pay XXXXXX/XX/XXXX. So I settled for XXXX on XX/XX//21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but Comenity Capital Bank is still reporting the same account as a charge off. I then disputed with XXXX, XXXX and XX/XX/XXXX along with copies show proof but they only updated XXXX and all will not update to paid/settled for Comenity Capital Bank XXXX Even though the letter clearly references that the original creditor is Comenity Capital Bank. I am filing a complete because I need Comenity bank and credit bureaus to update my status to settled and not charge off with zero balance. Your assistance is greatly appreciated. Thank you in advance
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (IL)

I tried to dispute transactions that occurred in XXXX in XXXX when I looked at my statement and noticed they were there. They never filed the dispute and told me they did So on XX/XX/20 they officially put the claim in and requested I send the signed forms back for my provisional credit it up to 10 business days. I immediately did that and uploaded it Here it is XX/XX/20 and I havent heard a single thing from this bank about my dispute claim