davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/2021, XXXX XXXX , a personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/. This has been verified with XXXX XXXX yet the error is still listed on my " Experian Report and XXXX Report ''.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX I transferred {$8900.00} worth of a cryptocurrency from my account with XXXX to my Coinbase account. The asset was apparently not supported by Coinbase and the company has told me that the crypto currency is lost and there is nothing they can do unless they decide later to support the currency.
Consumer complaint received 2024-01-29
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. (OH)

I hope this letter finds you well. I am writing to bring to your attention my dissatisfaction with the initial attempt to correct a late open account associated with my account. 

Recently, I discovered that there is an issue with the opening date of my account, which has been reported as late despite my timely actions. Understanding that errors may occur, I promptly reached out to your customer service department to rectify this matter. However, my initial attempt to correct the late open account has not yielded satisfactory results. 

I have followed the prescribed procedures, submitted the necessary documentation, and engaged in discussions with your customer service representatives to address and rectify this issue. Despite these efforts, the matter remains unresolved, causing me significant concern and inconvenience. 

I understand that resolving such issues may take time, but the lack of a timely and effective response has led to increased stress and uncertainty on my part. As a valued customer, I believe in the importance of transparent and efficient communication to address and rectify such discrepancies promptly. 

I kindly request that you review my case expeditiously and take the necessary steps to correct the late open account associated with my account. Additionally, I would appreciate regular updates on the progress of the resolution and any actions being taken to prevent a recurrence of such issues. 

I believe in the commitment of your company to customer satisfaction, and I hope that this matter can be resolved amicably and promptly. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm filing a formal complaint with your agency for inaccurate or misleading information contained in my credit file. Specifically, I request that you remove the listed inquiry from my credit report. I did not request this inquiry. 
XXXX XXXXXX/XX/year>
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XX/XX/2022 I sent in my police report and my FTC affidavit to the XXXX credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX  deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XXXX used students as loan officers, students with no actual college degree. They didn't indicate how difficult it would be to repay {$150000.00} on a teacher 's salary. I am now a XXXX turned XXXX XXXX. I applied for the XXXX XXXX XXXX program and I know it requires about 10 years of payments. I'm XXXX by the way. Last year Navient processed my income based payment scheduled as making no payment all year. I'm afraid this may have kicked me out of the XXXX XXXX XXXX, and will result in having to start the 10 years all over. They tack on tons of interest that I'll never be able to repay at my age. This is hanging over my head and weighs down any possibility of a future, or even retirement. 
I even filed bankruptcy over 10 years ago, and was unable to stop the loans from growing.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

This is my second complaint to CFPB about Midland Funding. They are yet to verified the debt that they have listed on my credit report. At first I felt as if CFPB had failed me until all the state participated in a lawsuit about the horrendous participate that this organization have been using to collect debt. I am happy this was brought to light. In the case of State of Indiana along with 40 other States include Georgia ( My home State ) VS Encore Capital Group Inc, Midland Funding LLC  and Midland Credit Management In The XXXX County Circuit/ Superior Court dated XX/XX/2018. Midland Funding   did not follow the " REQUIREMENTS TO COMPLY WITH ALL APPLICABLE LAWS, '' ( begins at page 4 onward in attached document ) when they were harassing me for a debt that they are yet to verify, which in violation of FDCPA. Midland is yet to provide ORIGINAL ACCOUNT-LEVEL DOCUMENTATION.

I would like for Midland Fund to provide all that is listed in the " ADDITIONAL REQUIREMENTS RELATED TO DEBT COLLECTION, '' ( begins at page 7 onward in attached document ). If not they should delete the negative items from all credit reporting agency.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

Hello, I used Coinbase application.

On my Coinbase Account i had XXXX left, so i ordered to send them to my XXXX account on XX/XX/XXXX. 

I have never received the money on my account, so i sent them several emails to aware them. without any response. 

here is the information : Account : XXXX Coinbase account : XXXX Order : Send XXXX From Coinbase acount To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help, XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to Transunion, XXXX, and XXXX XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with emotional distress, deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

COMENITY BANKXXXX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( COMENITY BANKXXXX XXXX )
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Every since BBT merged with Suntrust I have been having problems with my account. I have a business and personal checking account. I have received excessive fees for no reason. I had a dispute from a merchant received a letter stating it was in my favor then the Bank reversed it overdrawing my account {$300.00} and didnt send me a letter until 2 weeks later but no explanation. I tried to get in touch with the appropriate department to see what was going on but no help. Then I started getting random fees on my business account which I hadnt used in a while. Then my personal checking just keep occurring fees also with no explanation. I was told my account could be closed but then the following week I was told my account couldnt because of the negative balance even though the cause is not to me. Usually I would get an email stating what it was that caused the overdraft but I never got anything. Then after I told the representative I would be filing a complaint I now have excessive fees applied to my account. I havent even used my account.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (TX)

Hi, My name is XXXX XXXX. 
Ive recently been a victim of a debt consolidation company that causes a big impact on my credit score. One of the agreements with them is that I can not make any payment with chase cards until they negotiate a payment plan reduction for me, which I didnt know that will causes my credit score to dropped dramatically. 
Ive already cancelled my contract with them but I still need to chase to update this in their system so that they can adjust the credit bureaus to bring back my original credit score. 
I can be reach by email XXXX XXXX XXXX or my mobile at XXXX. 
Thank you XXXX
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (IL)

On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.
Consumer complaint received 2020-01-22
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 — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE (CA)

In regards to TMS response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & TMS not receiving my payment in time. According to our payment we made in XX/XX/XXXX it was received by TMS on XX/XX/29. TMS is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XX/XX/XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because TMS HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with TMS and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX  which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at TMS to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Consumer complaint received 2021-11-09
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. (TX)

Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from XXXX and they have conveniently not recorded any of my calls to them. 
o Dates of calls to XXXX as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

XXXX is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go? 
XXXX has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

PayPal does not disclose the amount of transfer fees or time it takes for funds to transfer prior to the customer selecting the transfer option. 
I was charged to send money and it took 7 days for the funds to transfer and was not advised of the fees