davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (FL)

Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX XXXXXX/XX/XXXXXXXX, XXXX ( XXXX  ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XX/XX/XXXX or Equifax to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2200.00} ( previously late open ) XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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. (NE)

I have connected with this company and the bureaus multiple times to have myself removed as an authorized user, and it has not been done by the credit card company or the bureaus. I have requested proof that I am a co-signer on the account and have been told I am not, I am simply an authorized user. Copies of any agreement that list me as a co-signer would be falsified as I did not agree to those terms, and they have stated I am not responsible for the debt. Yet they will not remove me. If I am not responsible, why continue to report on my credit unless with malicious intent. I have disputed with the bureaus no less than 4 times between XXXX. Most recently on XX/XX/2023. It is tearing down my credit and I am not legally responsible for this debt. Not to mention their own terms & conditions state that an authorized user may be terminated or removed simply by saying so in writing. That has been done as recently as XX/XX/2023 and it has not been granted. 

This company has been in litigation before for malicious and unlawful practices and I fear without consequences, they will continue to do so.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via XXXX XXXX  and received a negative reply. I previously had problems with XXXXXXXX XXXX via XXXX XXXX just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through Experian which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX  closed this companies profile due to numerous consumer complaints. Not only has XXXX charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VA)

Pheonix financial service is a third party debt collector attempting to collecting an alleged debt and have access to sensitive information that was not authorized to be shared with them. I have communicated with the company through certified mail and this issue has yet to be corrected or resolved.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (OH)

My Binance.US account has been blocked and have been unable to trade since XX/XX/2021. There is no customer support but only robots responding. Im still able to log in and but unable to withdraw XXXX or sell or buy any crypto. Im still able to deposit usd. Thats why I have XXXX  available but I cant even withdraw it. It originally was from a chargeback but I made a deposit that fixed the chargeback and got a email 45 days later saying looks like youve fixed deposit and account will be enabled within 7 days and still no response its been another 45 days and still no response. And account is still disabled. I originally had XXXX in there then deposited another XXXX and value was XXXX usd then. Every day my value is going down and unable to buy trade or withdraw. Feels like I got scammed Binance. Us needs to be held accountable its thousands of users on XXXX  with the same experience and Ive been pretty patient but now this is unacceptable. I get response from robots saying issue resolved and that if I need anything else respond back but Ive yet to receive any correspondence all the while the market is crashing and Im losing value everyday. My support ticket number is XXXX.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2021, I applied for Hardship with SPS Select Portfolio, phone number XXXX XXXX XXXX, as the company servicing my loan. I explained and sent all the documentation required by SPS proving my advanced XXXX diagnosis, and my sensitive financial situation as a self employed professional. I requested a loan modification because I have tried to refinance my house but due to my high debt ratio, my request was denied by several financial institutions. 
Last week, I called SPS to report the lack of professionalism because this institution keeps asking multiple times for the same documentation that have been already sent. For example, in the last correspondence, SPS keeps asking for people contributing to the payment of the mortgage when other than my self and my wife low wages, there are no other person,. SPS has asked 5 times to send my bank statements which have sent five times. Last Friday, a lady from SPS asked me to stop making my mortgage payments, as the best solution, and do not want to do this because, I am a decent responsible person, I am asking for help when I need it the most, and lower my monthly payments during my XXXX and XXXX XXXX and until my wife finds a job is the best option. Of course, I have ruled out the possibility to sell the house right now, as it has been adapted to my physical needs, and I can not cope with a move right now. I have XXXX children under the age of XXXX both XXXX XXXX XXXX, and I am only asking for help until I finish my XXXX  in one year and be able to offer my services as a consultant again. Pushing people to stop making payments is not a solution, when financial institutions can offer help in several ways. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2021-05-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (PA)

Assignment clause Notarized letter of debt purchase Signed contract from original I'm asking for them to prove 100 % verified or validation. This collection agency has not proved that with this account. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The FCRAs Rules for Credit Reporting Agencies The FCRA grants you certain rights and protections from CRAs. Under the FCRA, CRAs are obligated to : Grant you free access to your credit report Limit other companies access to your credit report Control how long items can stay on your report Give you the right to dispute items listed on your credit report
Consumer complaint received 2021-02-26
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. (MN)

In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX XXXX about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/2021 at approx XXXX i notices my coinbase account and emails had been breeched. On the coinbase home screen there were address logging in to my account by the minute ... a full page full. I began removing the charges one by one and then coinbase disabled the account due to fraudulent activity. However, my email address and phone number associated with the account were changed. My emails were filtered to go to an unknown address so I didn't receive notifications. I have most of my assets in the coinbase vault which requires approval from 2 email accounts but both of those were breeched. I never received an email regarding whether or not the coinbase vault withdrawals were initiated ... but if they were, those notifications were sent to another email or deleted. The account was set for recover on XX/XX/XXXX. The email address I started coinbase with was closed by the hackers but I have a private investigator and we are in the process of reconstructing it. Time is of the essence. I still have the original phone that I started the account with so I don't understand how they were able to change the phone number without facial recognition. I had around 190 thousand dollars in this account and I did not approve any withdrawals or liquidations. As time passes ... the hackers/scammers just have more time to figure out how to get into my account. I initiated support tickets immediately, and everything should have been shut down well before the 48 hours before vault funds are moved. Original documents should be asked for to prove identity being that the hackers had access to my account passwords. These include original bank statements. Photo uploads of drivers license and not file uploads. Some investigation of the validity of the original phone number used and a trace of the phone number that the account was changed to. I've set up several email addresses to communicate with coinbase, and they get hacked as well. Passwords changed. To keep me from communicating and knowing the updates to my account. As of right now the log in says that my account doesn't exist. This should not be difficult to trace if everything wasn't automated. A simple phone call can save people their life 's savings
Consumer complaint received 2022-11-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX
Consumer complaint received 2021-10-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-08
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)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION (NJ)

I was a victim of fraud with Fulton bank. Fulton bank cashed a fake check and took my money and left my account in the negatives. The fraudulent check came from an indeed job posting. I have email correspondences stating it was not legit. Indeed removed job postings so no one else was subject to what I am going through. They told me I was going to be employed as a driver and I would need to cash the check and put a deposit on the vehicle. I sent them all my information including driver license, social, and birth certificate. Fulton Bank has taken all my paychecks deposited into the account and money that was previously in my account. They did not even file a dispute for fraud but took all my money and will not release it. My contact information is XXXX. I am a single mother with two kids and recovering from hysterectomy due to XXXX XXXX. I am disgusted with how I am being treated and now being stolen from. All deposits going to be made will be taken from me. They said they could not close the account only freeze it so I can not use it but money can still go in that they will take. I have attached all documents