davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Caliber Home Loans, Inc. (MA)

Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no. 

In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no. 

As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks. 



Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (TX)

I consistently check my report. I notified XXXX XXXX due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX XXXX XXXX ET Closed Sunday Access XXXX  Auto Online Services at XXXX I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through Experian and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.
Consumer complaint received 2021-07-18
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: NAVY FEDERAL CREDIT UNION (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase Bank. Is accusing me and my daughter of doing fraud with my credit card that I used to have. Chase close my credit cards and for an unauthorized transactions. the investigations where not conducted and processed with sustainable evidence. I Requested to see the evidences they have and never send me any prove. I request to have a copy of my rights as a client and they couldnt give it to me. When I ask if my credit card will be open they told me that it was deny and didnt allow me to have it back neither apply for a new credit card. My balance was almost ceros. Still they deny it.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

TransUnion reported an unauthorized hard inquiry on my credit. I do not recognize nor authorized XXXX or XXXX XXXX to pull a hard inquiry on my credit. TransUnion also reported my employment to be incorrect showing wackenhut. This is negatively impacting my credit! I attempted to contact TransUnion and they said I need to do this in writing
Consumer complaint received 2020-11-02
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: ENOVA INTERNATIONAL, INC. (AL)

This company has yet to mail me verification that this debt belongs to me. I have sent them a police report as confirmation of identity theft yet they claim that they conducted an investigation and denied my identity theft claim. I called them directly asking for proof of their investigation and that this account belongs to me. It has been over a month and they haven't sent me anything. I am asking them to stop harassing me and my credit and stop reporting this incorrect information to my credit.
Consumer complaint received 2021-05-28
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

A loan with Santander USA is a closed account, but it is still reporting months late, reporting it is a open account. It's a collection account, still showing pass due amount. Showing current dates that the account is active, but has been in collections for year 's. Contacted company and nothing happened. This should be removed from my reports
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification
Consumer complaint received 2020-11-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-23
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I sent certified mail to the following Credit Bureau XXXX, XXXX and Equifax. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/XXXX. ( false reporting ) *XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I am a XXXX year old college student. I live at home with both parents and have two credit cards. When I was XXXX years old, a minor, someone stole my information and opened a XXXX account. I reported the identity fraud called the collection agency who referred me to XXXX. I spoke to XXXX who made me fill out a pamphlet claiming fraud. The account was removed. Now I have a new collection agency I C system Inc attempting to collect on a debt and claim date opened was XX/XX/2020. Please help me! XXXX is a predator who allows accounts to be opened in the name of minors and do nothing to protect victims!
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

Spoke with Midland Credit on XX/XX/2021. Attempted to explain XXXX XXXX  and was verbally abused and berated during whole conversation. Told them I needed to speak to fianc to help me pay them anything and was abused further. Brought up we were being recorded by their line and reminded them that I was XXXX  again and more verbal abuse. They also lied and said I had a bank account which I do not have one and havent for over 10 years. Lots of threats.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

A {$100.00} rebate was offered from Synchrony Financial when opening and using a new " XXXX & XXXX '' credit card on any single-receipt purchase. Offer valid XX/XX/XXXX. I made a {$260.00} purchase on XXXX after applying for and using the card info at the store to make the purchase. I paid the account on XX/XX/XXXX. I mailed all required documentation including a copy of the original receipt and rebate form to : XXXX & XXXX   Rebate, Offer # XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX. After no response or rebate, I contacted XXXX XXXX XX/XX/XXXX, and was told they had none of my paperwork. The rebate form had to be postmarked by XX/XX/XXXX. I spoke with a program manager named XXXX and was told although XXXX could not help, if I would fax her all my paperwork she would see how she could help. She did not contact me. I contacted the rebate center and spoke, emailed my documents to XXXX. I was told they would see what they could do to help. No one contacted me. I called XXXX XXXX  on XX/XX/XXXX, and talked to XXXX who wanted me to AGAIN fax everything. The rebate center emailed me they were trying to get in touch with XXXX. I still do not have my rebate. Have I been scammed?
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

I previously made a complaint on here in regards to my former credit Union completely breaking the law and improperly handling my wife and I separate accounts. They put my account negative a decent amount for money that was just attempted to be taken from my account by companies. The bank declined these attempts but still put my account negative the full amount of the attempt each time and my account wasnt even allowed overdraft of any amount. Chex system is preventing me from opening up any other account at any financial institution Ive tried. I cant get direct deposit, pay most my bills, or anything else for that matter. The situation at the before mentioned bank would be the only possible reason for any negative info. I also just learned from the IRS this week that I had my third and final stimulus deposited into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Ok the same bank and I was never notified and my account had been closed long before then but once again they still let it go through and all {$1400.00} was kept by them which if I actually did owe them money that amount would of been more then enough to clear it. My complaint is on both Chex System & the bank stated above its ridiculous and I have my wife and her bank statements clearly showing the bank taking a large amount out of her completely separate account that has nothing to do with myself to cover the money they put my account negative for.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as The Best Service Company. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (MI)

XX/XX/2021 I received an email from my account on coinbase telling me there was two withdrawals from one of my crypto coins that took money away from me and the email stated they have collected funds from a failed transfer but the email did not specify when or how much this transfer was for. 
Received another email at the same time from coinbase saying there was suspicious activity on my card and they have to increase the holding time of my funds being able to get back to me. 
Received another email from coinbase also at the same time stating they have to remove my card from coinbase due that type of card no longer being supported. 

I am now unable to buy or sell on coinbase, I can not add any new cards and I can not get to the money I have still in my account. The money has been there for weeks and it says I can only take out a small percentage due to the rest pending.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

On XXXX I had my Coinbase compromised. I woke up to notifications from my bank about multiple overdrafts from transactions from Coinbase. I tried to sign into my account and was unable to. My bank was able to resolve the issue within 20 minutes. Coinbase was a whole different story. There phone number is a dead end. I submitted a ticket as recommended. In that mean time I was able to get a response from their social media team with a response that my claim was taken in. No response for claim # XXXX till XXXX in the afternoon. This issue could have been solved in 20 minutes over the phone. Instead we went back and forth over emails from XXXX. They made me jump through multiple hoops to " recover my account ''. Photo verifications, selfies with notes on it with the day. Really ridiculous. Finally was able to unlock my account and they transferred my funds into the new email I used. Well after all that back and forth for days my account that had about {$5000.00} in cypto was drained out to {$24.00} dollars. Literally they had me go through all that when I could have made a new account in 5 minutes. Coinbase is the only account I have that I receive phishing texts and emails. In those emails they sent me they were quick to blame me. Literally all that money was drained out in minutes at XXXX XXXX You'd think that would raise a red flag especially when a hacker could get into my account and change my password and phone so I get no notifications. This has been a complete nightmare and coinbases idea of customer service is horrible. Their security is horrible. Literally trusted this company thinking I'd be safe and got screwed over. The emails I received pretty much told me to kick rocks.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management (OH)

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I was hospitalized for over 60 days from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX then hospitalized again in XX/XX/XXXX for 13 days with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. I have been in rehabilitation care from XXXX XXXXXXXX to now and have tried to contact Home Depot Credit card service Citi bank about my health but I am being told there isnt anything that they can do to help with all the late fees because I have had a late fee waved in the past 12 months prior to this XXXX XXXX XXXX 

I missed the XXXX and XX/XX/XXXX payments and was charged lates fees. I tried to get late fees removed stating my circumstance detailed above. I then made 2 payments in XX/XX/XXXX, was told I was caught up but the late fees again would not be removed. I get harassing phone calls and was offered to sign up for hardship program where my account would be closed, late fees would be moved to the end which means I would have to pay them and I would be setup with a low payment and number of payments to pay it off. Minimum payment was {$29.00}. 
I do not wish to close my account and have all this negatively impact my credit and I am still XXXX XXXX  and in XXXX XXXX XXXX need help getting this resolved