davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (FL)

Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XXXX/XXXX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XXXX - XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX have also please delete not my address included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (NY)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I disputed 2 accounts opened in my name with Capital One credit Cards. Never received any validation or signature opening this accounts in my name. Capital One deleted both accounts. I received a alert today they put them back on my credit without any notification. They never provided me with validation or a letter by law I am required to receive when a debt is being re-entered on the credit report.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}. 

I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX, my coinbase wallet was hacked and drained of {$10000.00} worth of Saitama coin and {$60.00} worth of ETH. This hack happened 4 hours after I connected my wallet to coinbase.com. I had all security measures set up in the wallet, ( seed phrases copied manually, 2FA enabled, and a pin code on the wallet ) the hacker was able to bypass all these security features, and I was never alerted of the transfer, even though I had 2FA setup.

I believe the breach was done through coinbase.com after I connected the wallet, and none of the security worked. I trusted them to keep my money safe, and I used all security measures available to me, yet I was still hacked. My phone and my computer are clean and unmolested, which proves the hack came through the website. 
My case numbers with Coinbase are # XXXX and # XXXX. 

They have offered no resolution, and they're policy specifically states they will issue a refund if : " your account transaction is not authorized or allowed. '' Or " The account transaction is incorrect '' Both of these apply to my situation. This was my life savings, that I trusted them with to invest and protect. None of the security measures worked, yet they are taking no responsibility, and this exact situation has happened to many others in the past few months. Please help me.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education (CA)

I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BB&T CORPORATION (AL)

I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX XXXX XXXX in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And Transunion and XXXX refuse to remove it.
Consumer complaint received 2016-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (IA)

ACS/XXXX was changing my repayment plan to an income based plan. While they were doing so they let the loan go into delinquency from XX/XX/2013 to XX/XX/2013. There is a negative 120 days delinquency on my credit report that I have disputed numerous times.
Consumer complaint received 2024-03-13
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I ordered an item from XXXX for {$60.00} total payed on my Goldman Sachs Apple Card. The item never came. I got an email confirming that it was delivered. I emailed XXXX, and they said to wait, and that maybe it would come, and that if it doesn't I should email back after XXXX days. It did not come. I emailed the United States Postal Service ( USPS ). I gave USPS the tracking number that was provided to me by XXXX. XXXX investigated the matter, and told me that the tracking number was not for a delivery to me ( note : I double checked that I provided XXXX with the correct address, this is not the problem ; either the package was misaddressed, or the seller engaged in a fake tracking ID scam. ) A USPS employee went to the place that the package was delivered, confirmed it was delivered, and confirmed that it was not addressed to me. They reported this to me via email. I sent this information to XXXX, and they still refused to refund me for my purchase. Then I disputed the charge with Goldman Sachs on XX/XX/XXXX. Goldman did not ask for any information regarding the dispute, and I reached out on XX/XX/XXXX because I wanted to share my correspondence with the USPS. They declined at that time to consider that evidence. On XX/XX/XXXX they notified me that my dispute was reversed. I reached out the same day to complain and offer again to share correspondence with USPS. They reopened the dispute and I shared my evidence. They again reversed my dispute on XX/XX/XXXX. I again reached out to them to complain that day, and I requested the response provided by the merchant. I again on XX/XX/XXXX sent them my evidence and refuted the evidence provided by XXXX. On XX/XX/XXXX, they again emailed saying my dispute was reversed. I again emailed on XX/XX/XXXX to complain and to request more information on how Goldman review disputes. They declined to provide information on their dispute adjudication processes, but they did again reopen the dispute. The latest dispute reference number is XXXX and the latest claim reference number is XXXX. All communication to and from Goldman Sachs has been in writing. I do not believe that Goldman Sachs has fair or adequate processes in place to adjudicate disputes as required by law.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (FL)

It has been over thirty days since I field a complaint with you regarding ( XXXX XXXX ) this company and attempt to take my home. I have paid my mortgage up and will be paying the escrow amount that is due yet I receive anywhere from 5 five phone calls a day from the mortgage. When i contact them I am still being given the run around. I need assistance with this company who is making every attempt to defraud me and take my property, PLEASE HELP. stop this harassment.
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (TX)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2017-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

We are awaiting response to claim # XXXX this information is readily available in your files why the delay? 

Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2017-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

I noticed a fraudulent collections account for {$680.00} on my XXXX Credit Report. I called the company, claiming this is a fraudulent collections account due to Identity Theft. They claimed they couldn't do anything about it until I filled out the packet they would send to me in the mail. This packet was never sent. Today is XX/XX/2023.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (TX)

The following is wrongly reported and was not my account. It was identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, 2017 {$410.00} {$410.00} XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
The above account does not belong to me and it keeps on being submitted to the credit agencies, Experian and XXXX. I have filed for disputes and it has not gone away. Also, i need to complain about Experian since it has a major discrepancy in my credit report compared to the other agencies. EXPERIAN-XXXX ; XXXX-XXXX and XXXX-XXXX. I asked them why such a discrepancy but they said they ca n't do anything about it. Please assist me. Thanks
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )