davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

XXXX XXXX was the lienholder. I had purchased a Gap policy when I purchased the car. XXXX refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX   Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to XXXX XXXX. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to XXXX is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on Equifax as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
Consumer complaint received 2021-07-15
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: I.C. System, Inc. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

With XXXXBTC in my XXXX account, I requested an increase in my daily limit transfer so I could engage in arbitrage. My account was closed in early XX/XX/2018. I emailed them for a reason. They replied that I wasn't XXXX yet. I ( re ) submitted my identification docs to show that I am. They replied that the account was closed for other reasons, that they couldn't disclose. I have asked that my account be reopened but have gotten only emails in reply asking how satisfied I am with the resolution of my case.
Consumer complaint received 2021-07-15
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: CITIBANK, N.A. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems has been attempting to collect on debt that was settled with original creditor/prior collection agency. They have tried to collect on a telecommunication account ( XXXX ) via threatening means ( garnishment/legal filing etc ) and refuse to remove this from my credit report. They are fraudulently representing/attempting to collect on a paid debt.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

Never notified of any debt from XXXX XXXX XXXX . They Sent bill to collections phoenix Recovery group, showed up on my credit. I personally went and spoke to that apt . complex where I was told there is No contract. There is also no history of me ever living there!
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (CA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$120.00}
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My XXXX XXXX XXXX daughter opened an account ( cable, internet and home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from XXXX XXXX XXXX XXXX # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XX/XX/XXXXand Transunion. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a XXXX called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with Transunion and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. Transunion could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, Transunion would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like Transunion isnt verifying evidence but has an interest in these collection agencies.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with TOYOTA MTR. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$120.00}
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

Have a loan thru XXXX XXXX and have been paying on it for over 11 years. Several times over the years I was unable to make the payments and they only offered me a 3 month grace. Most recently I was unable to make a payment because I was unable to work and was told I had used all my options and not to make the payment and to call when I could make the payment. Well that put me in less than good standing and they are now contacting my co signers which I was never told that I could ask to have them removed from the account after making a certain number of payments. Navient is the one that has the account right now and was the one who told me not to make the payments. I now owe more than the original loan was nothing has ever been taken off th principal because i was never able to afford the principal payment. I just wish Ii had never got involved with This company! This was a loan out for my childs education.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On the XXXX of XXXX, I found fraudulent transactions from XXXX XXXX. I contacted the bank and the contact center filled my claim wrong. On the XXXX I spoke to the fraud department at Wells Fargo and she claimed to fix it and break it down into separate claims the way it supposed to be. She told me about the 60 day liability but she said it was only for XXXX and XXXX XXXX. The XXXX XXXX transaction just happened recently before 60 days. The other transaction were a year ago. I showed proof from XXXX XXXX statements and letter from them saying my account was compromised and het my money back from my bank. I was XXXX  and XXXX  and I tried to tell the bank and they acted like It didn't matter that I showed proof my account was hacked. The lady messed, y claim she filed it wrong and now they putting it on me. I have all the proof to show that I didn't make the transaction.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

XX/XX/20 ; Unable to file dispute. Tried online, was told to call phone number. Phone number on printout is only for memberships, and eventually you get hung up on. There is NO WAY to file a Dispute with these people, and NO WAY to get a real person on the phone ( unless of course you buy their " membership, '' I'm sure. ) This is a violation of the FCRA. 

I have a RIGHT to file a Dispute, and they have a DUTY to accept, process and investigate it. 

I want the CFPB to investigate this, and I want the name and address of the Experian NJ Registered Agent so I can initiate a suit against them in the Special Civil Part of the Superior Court for damages.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have three credit cards with Capital One Bank. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. Capital One informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}
Consumer complaint received 2021-07-15
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: Affirm Holdings, Inc (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have three credit cards with XXXX XXXX XXXX. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. XXXX XXXX informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.
Consumer complaint received 2018-03-11
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: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX a fraudulent application for credit was was initiated under my name. I received an inquiry alert on XX/XX/XXXX and immediately called Chase Bank. The fraud department at Chase flagged the application and assured me the inquiry would be removed from my credit file. I followed up by phone on XX/XX/XXXX because the inquiry was still on my credit files and was told by a representative that it was indeed flagged fraudulent will should be removed. On XX/XX/XXXX I send a certified letter to Chase requesting them to remove the inquiry in writing ( see attached ). Chase responded ( letter attached ) asking for information I had already provided in my original letter ( date of inquiry, credit bureaus reported to, etc. ) and stating they would investigate in 30 days. It has already been over 90 days since my initial communication with Chase. I have also attached my FTC identity theft affidavit, as well as, credit reports still showing this fraudulent inquiry. I attached a screen shot of my credit profiles verifying fraud alerts were placed on my credit profiles on XX/XX/XXXX after learning of this activity.
Consumer complaint received 2018-06-21
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. (CA)

Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX  and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have three credit cards with XXXX XXXX XXXX. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. XXXX XXXX informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OH)

in XX/XX/XXXX I fell behind on my Mortgage payments and by the grace and favor of XXXX was able to get caught up by making a lump sum payment of nearly $ XXXX in late XXXX XXXX However I have falling behind again and have sought assistance from the Mortgage servicing company " Fay Servicing ''. They initially told me in XXXX that they would give me a Forbearance yet never did until XXXX, allowing me to skip one month and our demanding the I cure the balance of {$4900.00} by XX/XX/XXXX. On top of that I believe their obligation to adhere to the " Truth and Lending Act of 1974 '' and " The Financial Modernization Act of 1999 '' has been violated. For a few months now there have been individuals driving pay the house, stopping in their vehicles and taking pictures of the house, one couple went so far as to get out of the car and take pictures, when I came out to confront them and ask them why, they nervously pretended to be taking pictures of the house next door, So I asked what hey were doing and the gentleman said he worked for a 3rd party but refused to show any credentials or identify a company. This also took place last year when I was behind, strangers stopping in the culdesac to take pictures of my house. An official filing of foreclosure was never submit to the county therefore the property being in destress should not be public information. Someone at " Fay Servicing " has shared this information unlawfully thereby violating the aforementioned | '' Acts ''. I applied for a modification review and was denied and received a 30 day Forbearance during a time which is unprecedented not only in our country but world wide. I am therefore submitting this complaint against " Fay Service '' for their unlawful practices allowing unauthorized access to my private information in order to help another profit from my hardship. This loan is not a ( G.S.E ) and may not fall under the full protection of the " Cares Act '' yet the willingness to offer reasonable assistance during these times has not been displayed by " Fay Servicing '' only a predatory demeanor and questionable method of operation.