davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

1/XXXX  XXXX XXXX, does not show my payments. I have NEVER EVER missed a payment. They got the money did not post it. 

2/I never went to XXXX XXXX XXXX, that was fraud.
Consumer complaint received 2020-11-18
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. (CA)

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-11-18
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: AMERICAN EXPRESS COMPANY (PA)

On XXXX XXXX, 2019, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CA)

On XX/XX/XXXX a person from this company called from an unidentified XXXX California number XXXX and left a message on my phone attempting to get information on who is handling the affairs of my ex-husband XXXX XXXX. 

They again called from the same number on XX/XX/XXXX and identified themselves as : XXXX XXXX  Simm Associates XXXX XXXX XXXX, Delaware XXXX XXXX She stated she was requesting the information for the person handling the estate of my ex-husband XXXX XXXX. His date of death was XX/XX/XXXX, he was a resident of California. I told her no one handled the " estate '' as there wasn't one. There was never a probate case opened as there were no assets. She said someone handled the estate as there was XXXX XXXXXXXX XXXX XXXX etc. I explained that is not the case. There was no probate, no estate/assets, only debts. There were not even funds to pay XXXX XXXX for holding his XXXX. Her assumption that because there's a XXXX, someone is in charge, is misguided at best and, at worst, is a poor excuse to continue to harass people for information. 

However, regardless of the unfortunate details and lack of assets, this company is attempting to collect information outside of the statute of limitations for attempting to collect on the debts of a deceased person. I explained this to " XXXX XXXX '' and she claimed she is NOT outside the statute of limitations. She said she was not doing anything except trying to find the person in charge of his estate ( not trying to ultimately collect a debt I guess? ). i said again there is not a person " in charge '' and she insisted that there is. 

I am fairly certain these people are fully aware of the law and choose to harass people for information under the guise of " just trying to get information on the person handling the estate '' and try to skirt the law by claiming this is not an attempt to collect a debt. I am hoping you can help stop them from contacting ANY family members in the future. 
Thank you.
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX  XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX  I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Consumer complaint received 2020-11-18
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: GOLDMAN SACHS BANK USA (PA)

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, GOLDMAN SACHS BANK U add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an  officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have  never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

In XXXX of XXXX I entered into a mortgage forbearance with my loan servicer XXXX. In XXXX of XXXX my account was transferred to Shellpoint Mortgage servicing. When they received the loan they immediately began reporting the loan as severely delinquent. I provided proof to them that I was in a forbearance. In XX/XX/XXXX I spoke with Shellpoint and they we entered into a loan modification starting in XXXX. I have made each of the three payments for XXXX, XXXX and XXXX in a timely fashion but they have now reported that I have not made the payments and are reporting me 120 days late on my credit. 

I have written to them, spoken with them and e mailed them to no avail.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

XX/XX/XXXX, XXXX XXXX XXXX  fraudulently opened a debit/checking account. We reported it to the FTC, filed a police report, and the account was closed. We tried to contact Chex Systems but their system was always not available. We were finally able to contact Chex Systems in XXXX of XXXX, and filed a report with them. In reviewing our personal information with Chex Systems, we discovered that in XXXX of XXXX, XXXX XXXX fraudulently changed the home phone number in our personal information in Chex Systems with the intent of fraud. But when we tried to change our personal phone number back to our correct phone number, Chex Systems would not allow us. Chex Systems said that XXXX XXXX could only change the phone number because they put it on there. 
My question is, XXXX could XXXX XXXX fraudulently change our personal information in Chex Systems without our consent and without us being contacted? And why can we not change our personal information in Chex Systems to our correct phone number when we have reported the incident to the FTC?
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX, a consumer and natural person, was denied credit by American Express when I applied for a Credit increase of {$90000.00} on Account Ending : XXXX and received an email stating my credit limit has been reduced to {$7800.00}. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

American Express is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued and was reduced. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ XXXX/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I've requested a loan amortization schedule from SPS Loan Servicing. During Covid-19, my loan was modified and converted from a conventional mortgage into a balloon mortgage. I've requested clarification as to how the balloon payment works with respect to the current principal & interest payments ( P & I ) over the remaining term of the loan. 

As of XXXXXXXX XXXX  : Interest bearing principal balance : {$310000.00} Monthly P & I is {$1400.00} ( {$1200.00} interest and {$270.00} principal ) I need clarification as why the interest amount being charged and collected each month includes the balloon payment or deferred principal of {$250000.00}? 

SPS Loan Servicing is unwilling to provide a copy of the loan amortization schedule or any discussion whatsoever.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Concerto Card Company (WV)

I applied for and was approved for a Concerto XXXX XXXX XXXX in XX/XX/year>. I was interested in the rewards program, as I attend many XXXX XXXX games a year, and travel somewhat regularly. The relationship got off to a bad start when the plastic card itself was delayed over a month, causing me to miss multiple opportunities to engage the reward program. Upon receipt of the card I was able to use unencumbered until the beginning of XXXX, my wife and I took a trip to XXXX XXXX Florida and I had intended on using the card to pay for Hotel. Upon check in at the hotel, the card was declined... knowing I had over XXXX XXXX dollars on my credit line open I immediately called customer service. I was told there was a known problem with transactions over {$100.00} and that they should have resolution within a week. It is now XXXX, I have opened multiple customer service inquiries with the card and I continue to receive the same " it should be fixed within a week '' answer from their team. I have missed out on numerous transactions for XXXX tickets, booking flights, etc. costing me opportunities for thousands of earned points on their reward program. This card is essentially a worthless piece of plastic that is tied to my credit score, and the company does not seem very determined to fix the issue. This has become beyond frustrating. I want a honest answer on what the problem is and a realistic time frame on when it will be fixed. I have also opened XXXX XXXX XXXX complaints against XXXX and Concerto, both were closed without resolution.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

In Mid XXXX of this year I opened an account with Coinbase. Being new to their site I went through the steps of practicing a withdrawal from my vault to my wallet. The withdrawal was cancelled on XX/XX/22 and I have the emails showing the cancellation. Now Im trying to send to my wallet and it states a withdrawal is in progress but thats not the case. I have reached out to Coinbase through multiple occasions and followed their steps. After replying that did not fix the issue, they send me the same generic instructions which has yet to resolve the issue. Im not able to access my money in my account.