davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX  XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my XXXX with my Georgia address, the only address I've ever lived. 
Bank of America Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. 
My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX  PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (UT)

I paid XXXX XXXX XXXX {$510.00} half of the total {$1000.00} due to XXXX XXXX, this was supposed to clear my debt and remove it from my credit report to which neither has been done. I checked with XXXX XXXX and it says I paid 50 % of my bill and it is still on my report. This was all done over the phone.
Consumer complaint received 2023-04-06
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. (VA)

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, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 any 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 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CA)

On XXXX/XXXX/2022, the annual escrow account disclosure statement was mailed to me, showing an overage of {$3500.00} and stating that the escrow refund check would be mailed to me in a separate envelope. 
After XXXX weeks, I called the company as I had not received it. They said it would take another XXXX weeks. 
On XX/XX/XXXX, I called again and they said they would put a stop payment on the check and would instead deposit the money directly into my checking account and it would take XXXX business days. 
I called this morning on XX/XX/XXXX, and they said that they are unable to do that and instead they reissued a check yesterday. I asked to speak to a manager and was put on indefinite hold. I advised them that federal law requires that I have the refund within 30 days and they have not done anything to assist me.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-09
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. (NY)

XXXX XX/XX/2021, XXXX, Experian has violated my consumer rights under FDCPA, FCRA XXXX A male representative by the name of XXXX cursed me out, harrassed me, and hung up on me after I invoked my rights under FDCPA 1692c ( c ) ( 2 ). Experian has fraudulently furnished my personal consumer information and reporting fraudulent credit cards on my account, without my consent. I called to them to remove a fraudulent information on my consumer report and I received abuse. This is identity theft. I never gave the credit agency Experian permission to use my information to furnish anything on my consumer report.

Violations 15 USC 1692k CIVIL LIABILITY 15 USC 1692d XXXX  15 USC 1692j FURNISHING DECEPTIVE FORMS 15 USC 1681a ( d ) 15 USC 1681a ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1692c ( c ) ( 2 ) 15 USC 6821 18 USC 3571 ( c ) 18 USC 1028 18USC 1028 ( a ) ( 7 ) Total Amount of Fines due : {$11000.00}
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc. (TX)

The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IA)

On XX/XX/2018 Coinbase charged my account {$300.00}. I did not authorize this charge, in fact I have not logged into my Coinbase account since XX/XX/XXXX. There is no record of this transaction on my Coinbase account, and they never answer support calls or respond to emails. Coinbase is placing fraudulent charges on my debit card and is ignoring my attempts to resolve this issue with them directly. Additionally, they are blaming XXXX for this issue but XXXX has publicly said that the issue is not on their end.
Consumer complaint received 2021-03-02
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)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus are even reporting inaccurate name variations which I've requested to be corrected and supplied adequate proofs and yet even those have not been addressed. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I tried, on line, to place a personal credit security freeze with Experian Credit Bureau. I answered all questions correctly, but it was not accepted. I had been paying Experian {$19.00} per month for this, but have been told that I should not have to pay. My self explanatory letter to Experian is attached. I had no problem with XXXX or XXXX. I know other people who have had problems with Experian.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

I had a cell phone account with XXXX XXXX and moved to an area that had very poor service. I asked XXXX to allow me to opt out of my contract without penalty and they agreed over the phone. I cancelled my service ; but months later they sent a company called XXXX XXXX after me for the early cancellation fee.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In 2019 is the year I was charged {$2000.00}, on my Capital One Credit Card Which is false If anything at least it should be XXXX there was fraud on my account. I have called in more then 3 times each time no one could help me they said I owed and have to pay it back.
Consumer complaint received 2020-12-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

XX/XX/2020. Remaining balance {$430.00}. Wvery time I would call Chime the automatic voice response would tell me my account was closed and hang up. I found an email, emailed them got a reply with nothing but articles. Not being direst as to why my account was closed. Was about to reach a rep through a friend calling and they still were unable to tell me directly why my account was closed now I am out of {$430.00}, with bills that are due and kids to take care of. Every dine I had was in my Chime account, now I don't have access to any of my money that I work for. Highly XXXX
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On or about XX/XX/XXXX, I mailed a check for {$35.00} payable to the XXXX XXXX XXXX XXXX ( along with my holiday cards ) in the mailbox outside the post office on XXXX XXXX in XXXX XXXX, NJ. This mailbox was emptied by thieves at some point in the next XXXX XXXX. I filed a complaint with the US Postal Inspection Services at the time ( CCC Case No : XXXX ). 

My check was then altered to be made out to a different party ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) for a much larger amount ( {$9500.00} ) and deposited into a Bank of America account. Funds were taken from my XXXX account on XX/XX/XXXX. I notified XXXX as soon as I noticed the issue and completed all necessary forms and provided a picture of my check register showing the original check recipient and amount. 

As of today, XX/XX/XXXX, I have still not received the funds back from Bank of America. 

I have reached out to XXXX many times in the 9 months since this fraudulent activity has taken place and they continue to tell me they are waiting on a response from Bank of America. 

Please help me get my hard earned money back. I am happy to provide whatever you need to help you plead my case. As you mention not sharing any confidential information on this forum, please contact me directly at XXXX if you want me to provide the supporting documentation that I have. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: COAST PROFESSIONAL INC (MI)

I have been receiving letters from a collection agency called Coast professional, Inc. They have also started garnishing my income bi-weekly. I mailed them my first letter XX/XX/XXXX, requesting that they validate my account and send me the original documents of indebtedness, and in exchange I will pay the account in full. They responded by saying that the account has been validated but they failed to send me the ordinal documents as requested. I mailed my second letter XX/XX/XXXX and my third letter XX/XX/XXXX. I have yet to receive the original documents as requested.
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: Remex, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

NAVIENT whom has already been under scrutiny for its poor, shady collection practices is making it absolutely impossible to pay off my student loans. They try to put you in a forbearance or an income driven payment plan neither of which ever pays on the principal balance but continues to incur interest. I am doing my best to pay off my all my debts but this is unjust and impossible to pay off a loan under these conditions. Its hard for me to understand how this is even legal. If you reference the show the patriot act volume 2 episode 4 aired on XX/XX/2019 it gives a breakdown of how Navient is conducting business and it is absolutely unjust if not criminal. I have spoke with Navient in regards to me only paying the interest and it being impossible to ever pay the principal and i received no argument to my claim while on the phone, instead just what steps i need to take to begin paying them. Something has to be done, this seems unconstitutional like im being robbed because i spent a period of time in school trying to better my education, when in reality all these loans have done is allow Navient to place be in Debt that I will never ever be able to pay off. Please help me find a solution to this ongoing problem that's not only effecting me but thousands if not millions of others.
Consumer complaint received 2018-03-07
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)

I have a coinbase account, access to which is controlled by a 2 factor authentication ( 2FA ) code that is generated by an Authenticator app on my phone. On XX/XX/XXXX, I had issues with my phone, and I had to get the phone restored. I lost access to the 2FA code when I did this. Unfortunately, I did not store the secret seed key that is required for re-establishing the 2FA mechanism back on my phone. I spoke to Coinbase Customer service on XX/XX/XXXX and explained my situation. I was told to verify my identity by uploading my driver 's license, which I did. I was told that my account will be reset in 3 business days. This has not happened so far -- and I have been locked out of my coinbase account for 6 weeks now, with no access to my crypto funds. 
Since XX/XX/XXXX, I have spoken to Coinbase support at least 6 times, and exchanged at least 10 emails, but there has been no resolution yet.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cordoza & Wexler Recovery Services (TX)

We have been contacted repeatedly along with our family members and place of employment. They have made multiple threats regarding coming by our place of residence to arrest, serve papers, file court documents, etc ... 
They will not provide any detail and we have checked our credit reports which there is nothing showing as an owed debt. 
We would like to file formal harassment charges. 
Please have them stop all communications to family members, employers and me. 
We have requested this with Cordoza directly several times but they just hang up and say they are coming to our house. 
Stop the threats!
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

LVNV funding needs to provide what physical verification was provided to the 3 major credit bureaus to the CFPB portal as information as the data furnisher must be 100 % accurate and complete. If LVNV funding used the EOSCAR system then it isnt possible to provide any physical documentation as required by law under the FCRA section 623 ( a ).