davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (FL)

On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.
Consumer complaint received 2020-01-21
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)

Equifax has yet to explain complaint # XXXX response to a fraud application that shows on XX/XX/18 XXXX XXXX XXXX in which on the application is not my date of birth as social security number as not my drivers lic number. There is clear fraud committed by XXXX XXXX XXXX XXXX> I'm also filing with the US Attorney office with the document by XXXX XXXX XXXX XXXX fraud commited as well as to Equifax not removing the information and have inform my attorney to file a law suit regarding the fraud committed by XXXX XXXX XXXX in regards to the application not been removed.
Consumer complaint received 2020-01-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Justice Finance Company (TX)

Nam e of the company justice finance keeps calling my personal phone, they called me at my job and I told them to stop calling me at my job or that i was going report them again, a lady XXXX said ok ... i told them this on XX/XX/XXXX at XXXX XXXX. Today on XX/XX/2018 They called my job again and asked for me. I was not available to take the call but when i was i called them from my personal phone and told them i had told them do not call my job that they violated my request XXXX or XXXX stated they were still going to call me at my job if thats the only way they can reach me, i told her no that they just violated my request and i advised them i was going to file a complaint and they didnt care they said they were still going to call me i told them as well not to call my personal line anymore and they said they were going to cal me by all means necessary and all this was at XXXX XX/XX/2018 my job does have the recordings where they called me here at my job
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

following up with my previous Complaint XXXX, coinbase responded to you by requesting that I verify my identity : 1. So on XX/XX/XXXX, I used the link that coinbase provided to you and I sent my selfie holding my ID and title saying " for coinbase Verification '' 2. I did not receive any response from coinbase 3. 48 hour later I tried to login my account but received " account is disabled '' 4. It has been 57 days with disabled account 5. I have lost over {$34000.00} by not able to manage my account 6. after opening 45 cases and two complains with coinbase, I am convinced that coinbase do not read or open any e-mail from their customers 7. Please start the most penalizing action against coinbase
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (GA)

I deserve communication from my mortgage loan servicer. My previous correspondences XX/XX/XXXX Hardship Letter XX/XX/XXXX Re : Request for Forbearance on Mortgage Loan XX/XX/XXXX Re : Request for Forbearance # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Payoff Statement Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX QUALIFIED WRITTEN REQUEST forbearance XXXX XXXX XXXX XXXX XXXX - email XX/XX/XXXX XXXX documents Loan Modification Request XXXX XXXX XXXX XXXX XXXX are still unanswered. The passage of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act stipulates that every borrower who attests that they have been directly or indirectly impacted by the COVID-19 pandemic, regardless of delinquency, is entitled to a forbearance plan. Additionally, since XXXX, the federal Real Estate Settlement Procedures Act ( RESPA ), as enhanced by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, and its mortgage-servicing rules have given borrowers a bill of rights to protect them in their interactions with mortgage servicers. Mortgage servicers are also required to exercise diligence in investigating and responding to a borrowers properly prepared notice of servicing error. 

XXXX is the servicer of my mortgage loan on the property located at [ XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. My loan number is XXXX The loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency and request forbearance on my mortgage loan under the CARES Act for 360 days. See Attached COVID-19 Hardship Declaration
Consumer complaint received 2018-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (CA)

I took loan out months ago made installment agreements. 
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-05-05
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. (NY)

I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC (FL)

I believe that Volvo missapropriated several lease payments and instead of assigning large payments which were to be attributed to the pay off amount, they instead applied as lease payments after the termination of the lease. I ended having to make extra payments to ensure I exercised the purchase option prior to the termination of the lease. This is my third CFPB complaint on this issue, I really need your help and assistance. Please do not close the complaint without discussing with me first. This is my second serious issue with Volvo as it relates to financing/purchasing a vehicle. A representative at a dealership changed the agreed terms and forged my signature on a previous purchase adding items I did not agree to. If Volvo 's assertion is that the payments I have made were allocated correctly they should provide a statement reflecting payments and how they were allocated. That is a simple request and will either validate my complaint or help resolve it. While Volvo has acknowledged that I have purchased the car, they have not provided me with the new title and I still have not received the new tag. We recieved a citation today and I have had to renew the tag despite this being included in the payment sent to Volvo.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

XXXX XXXX is the loan service I got my student loan for XXXX from and though I did not continue my education at XXXX for my own person reason which I will not disclose, I am not responsible for paying off the loan. My mother cosigned on the loan for me at the time and I am not quite sure of the date that I called XXXX XXXX is check what I would pay every single month once my grace period was over but I do remember the female telling me about {$25.00} or {$50.00} a month after the grace period. I was fine with that because not only do I owe other loan services money, I work two part time jobs that don't pay as well as I'd like and I have to pay my credit card bill along with my phone bill. So {$50.00} was good enough for me and from the way the lady spoke to me she seemed as if that would work well for her as well. I was unaware that from the month of XX/XX/2017, accrued interest was being put on my loan and has been, to this day that I am reporting this, it's still being put on there. When I first checked the loan to start paying it off in XXXX on the XXXX of {$50.00} the loan was at {$12000.00} and now, the time that I am writing this the loan is at {$13000.00}. Any money I am putting towards the loan for XXXX XXXX means nothing when the accrued interest rate bumps it back up dramatically. I am unable to do anything and if I go too long without paying it because it's in my mother 's name and I have to make 12 payments to finally release her as the cosigner, she's worried about her credit score decreasing. I am only XXXX year old, I am trying my hardest to work two jobs so I can do what I promised and pay my loans off. Getting a job at my age is hard enough but it's even harder when any money I do earn from my jobs goes straight to XXXX XXXX but it's not making any difference in the loan itself.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MT)

I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have submitted this letter to all the credit agencies, Equifax, XXXX and XXXX  and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One placed a stop payment in error on a close out check sent on XX/XX/XXXX, received on XX/XX/XXXX. Their reason for error is stated as " expectations not set correctly '' or similar thereof. A second check was sent on XX/XX/XXXX, the day I left for vacation. It was intercepted by a XXXX XXXX, my signature forged and cashed fraudulently. As the stop payment is an error on end of Capital One and thus replacement check sent out, Capital One is responsible for loss. Unfortunately, they will not admit so and claims the person, XXXX XXXX, lives at my address when she in fact does not. The funds were not received by myself, Capital One owes me the amount of check, XXXX. Further, the signature on check is not mine, Capital One is aware of this as they have my signature on file as reference. I previously requested the physical address to mail small claim and notice of suit to Capital One as well as name and number of their legal counsel, A XXXX XXXX took well over a month to reply and did not provide requested information. She responded with a web address to go to and left her contact number when she does not accept calls, return messages or calls. A total of seven ( 7 ) messages left thus far, none returned. I need physical mailing address to send notice of small claim suit to as well as name and number of their legal counsel.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NJ)

My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.
Consumer complaint received 2023-02-01
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

on XX/XX/21 I bought a gift card from Kohl for {$100.00}, and then I bought one for {$400.00} on XXXX received a letter from Kohls datedXXXX asking me to confirm that I made these purchases, which I did.Then for some reason the cards were canceled and the {$100.00} and {$400.00}. charge is still on my Kohls credit card.I tried tocorrect this at a Kohls store on XX/XX/21 and was told that the charges would be removed in a week. It has been XXXX weeks and that has not happened I have tried numerous times to correct this by phone and have gotten no placeOn XX/XX/21 wrote a letter to the corporate office asking for help but they choose not to reply.I have never ever had so much trouble with any company.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX, I requested a credit limit increase on my XXXX credit card. XXXX attempted to pull my credit report from TransUnion. However, I had a credit report freeze in place with TransUnion, so the request was denied. XXXX then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my TransUnion credit report. 

First, I contacted XXXX on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that XXXX was unable to have them removed. She advised me to open a dispute with TransUnion to have them removed. 

On that same day, I submitted a dispute to TransUnion through their website. On XX/XX/XXXX, I was notified by TransUnion that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and TransUnion does not provide any way to follow up on the results of the investigation.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I have 2 PROMOTIONAL DEFERRED balance accounts within my XXXX Consumer Credit Card serviced by Synchrony Bank. One balance expires in two months on XX/XX/XXXX and the other expires 18 months into the future on XX/XX/XXXX. When I made a payment in XX/XX/XXXX, I noticed on my ensuing statement, {$21.00} was applied to the XX/XX/XXXX balance with the larger remainder going to the XX/XX/XXXX balance. I had to call in and ask it be applied correctly, and in line with their stated policy on their website under payment allocations, which is, payments are applied to expiring promotions first. How is XX/XX/XXXX expiring before XX/XX/XXXX? I was told that I would have to call each month to have my payment applied correctly. This is also wrong as there is an option on their website to pay my payment and I can choose allocation, which in fact, was as stated above - to expiring promotions first. This bank takes NO responsibility for this error and simply they will fix it. I am asserting they do this improper allocation WITH PURPOSE to cause all deferred interest to apply when promotion expires. Unsuspecting consumers probably would not see a small portion applied to a second line item, and immediately upon expiration all standing interest would be posted - for me to date, that is over {$600.00} in interest. Synchrony Bank is very shady and purposefully potentionally harmful to the consumer unless the consumer is wildly alert like myself.