davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

i have a car loan with usaa my name is XXXX XXXX ss XXXX and its also under XXXX XXXX XXXX i was in the hospital in XXXX in XX/XX/XXXX so i was 48 days late making my car payment i stayed in touch with them and let them know that my husbanded the bread winner is in hospital i have no power of attorney over his affairs till now they told me as soon as i got out if i ought up with all my payments they would remove the late payment for XX/XX/XXXX since then i have not only made XXXX payment im all caught up i have it set on auto pay to pay my car note I'm sorry as you can see my husbands report XXXX XXXX XXXX dob XX/XX/XXXX that he has never missed a payment with any card and or account this is the first and last time and its due to crono virus however it is still showing as 30 days late for XX/XX/XXXX and im mall caught up they promised me it would me removed now they are saying take it up with credit agencies all 3 of them they lied to me anyways i just want thhe latye payment taken off my car loan account with usaa for XXXX thank you im all caught up on payments i have a dr note stating i was in quarantine in XXXX of XXXX i held my part of the deal now they should keep there end of the XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

on XX/XX/XXXX i reviewed my credit report and it was reflecting a debt from XXXX XXXX by XXXX XXXX XXXX since XXXX. It is my understanding i am no longer liable for this debt because i turned the phones in.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? 
Thanks, XXXX XXXX
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I transferred by wire transfer on XX/XX/XXXX, XXXX to Coinbase.com to be able to buy bit coin. The transfer was executed correctly by my Financial institution according to the directions on their website and it was received by the beneficiary bank, XXXX XXXX XXXX. It has not been applied to my online account and when I tried to call coinbase they do not take human calls and require an email to discuss the issue- after several tries to reach them I spoke to a person named " XXXX '' in the fraud department and he sent me email on XX/XX/XXXX saying he was working on the issue. When I emailed back to check status onXX/XX/XXXX I received a automatic reply that the email address I was given no longer accepted direct emails and I still do not have my XXXX back. I called XXXX XXXX and they said the money would be in Coinbase 's account and that Coinbase would have to release it back. They will not respond to me.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.
Consumer complaint received 2024-02-19
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. (TX)

I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress. 

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation. 

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.
Consumer complaint received 2022-02-21
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. (TX)

I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.
Consumer complaint received 2021-09-08
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. (TX)

EQUIFAX IS REFUSING TO REQUIRE THE CREDITOR ( S ) TO PROVIDE ACCURATE/CURRENT PAYMENT AND ACCOUNT HISTORY DATA DIRECTLY TO THEM ( CREDIT BUREAU ) WHICH WOULD ASSIST EQUIFAX WITH UPDATING THIER RECORDS TO REFLECT ACCURATE/CURRENT ACCOUNT INFORMATION FOR ALL AFECTED ACCOUNTS.

MY EQUIFAX CREDIT RECORDS ARE OUTDATED AND IS MISSING MORE THAN ONE YEAR OF PAYMENT & ACCOUNT HISTORY FOR MANY OF MY OPEN ACCOUNTS. 

IF THE CREDITOR IS CURRENTLY REPORTING MONTHLY AND THE ACCOUNTS AFFECTED ARE OPEN AND CURRENT, THERE IS A OBVIOUS DATA COMMUNICATION BREAKDOWN IN THE INFORMATION TRANSMISSION PROCESS BETWEEN THE CREDITOR AND EQUIFAX THUS REFLECTED IN THE CONSUMER CREDIT REPORT. EQUIFAX IS TAKING NO RESPONSIBILITY TO REQUIRE THE DATA RECIEVED IS CURRENT/ACCURATE
Consumer complaint received 2021-02-07
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

Victoria Secret Credit Card services marked my credit report as late on XX/XX/2020. I was infected with XXXX from XXXX 2020-XXXX 2020, I was hospitalized ands requested that this be suppressed from my credit due to the exigent circumstances.
Consumer complaint received 2019-10-28
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: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Associates (VA)

I wish to file a complaint against XXXX XXXX XXXX XXXX XXXX. 
They have a Paid collection account of {$150.00} on my XXXX credit report. Shows it was paid XX/XX/2018. I have never paid XXXX XXXX XXXX XXXX XXXX any money. So this account is erroneous and inaccurate and needs to be removed from my credit report immediately. Fair Credit Reporting Act says that a credit file must be : 100 % accurate, verifiable and timely. This account meets non of those. Furthermore, the client or original creditor listed. I have a {$0.00} balance with them. So if I have a {$0.00} balance with the client or original creditor, there is no way I can have a collection account with XXXX XXXX XXXX XXXX XXXX. I am very upset and frustrated as, I want this erroneous, unverified, fraudulent account removed from my XXXX credit report immediately. I would also like you to fine XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act and violating my consumer rights
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is an extension of original compliant : # XXXX in reference to a bank deposit on XX/XX/21. I was instructed that a check would be expedited to me if my payroll department deposited it into the account that I have been restricted from. I was told to contact the Protection Dept directly and they will have notes instructing them to transfer the remaining balance to a savings account and expedite a check. I called on XX/XX/21 as advised however the protection department transferred to me to customer service who did not have information about a 2nd check to be expedited and they transferred back to the protection department. 

I have been withheld from my funds to pay rent, get to work, feed my family, etc. for going on 3 weeks. Capital One has repeatedly given me false information starting with destroying my debit card to yes we sent the check. A check that I will have to pay an extra {$20.00} to have expedited. Now that there is a 2nd payroll deposit, since they have yet to close the account and send me the remaining funds, I will be responsible for another {$20.00} plus fees that they say I have incurred because of this restriction ( please see attachment 1 ). Upon the final decision of compliant : # XXXX, according to the letter ( please see attachment 2 ), I have tried to contact the bank representative, and left several messages with no response.
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (FL)

I received a notification that someone had checked my credit report. When i logged into Experian, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Consumer complaint received 2021-09-08
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. (TX)

Chapter XXXX Bankruptcy Account # XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX Account # XXXX Amount {$500.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$7000.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$1200.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX/XXXX  Account # XXXX Amount {$700.00} Date Opened XX/XX/XXXX This account is from identity theft
Consumer complaint received 2019-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, XXXX OR TRANSUNION HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
Consumer complaint received 2017-09-13
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. (GA)

After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.
Consumer complaint received 2018-06-05
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.
Consumer complaint received 2021-02-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX XXXX called me at my job from a Texas phone number but has a Florida address. They said I have owed payment on a 2015 Ace Cash Express loan, which I never took out. They also had the last four digits of my social security number.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc. (WA)

I went to XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, WA at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. They immediately turned a bill they believe I owe them over to Valley Empire Collections. 

I went to XXXX XXXX to have my XXXX XXXX. When I spoke with XXXX she neglected to tell me that the price had gone up and she told me I would only need one vial of to complete my XXXX. When I got there XXXX XXXX did not apply any XXXX XXXX XXXX. It was quite painful. He XXXX the vial around my XXXX and then stated that he would need a second vial to get to my XXXX and wanted to charge me an additional {$350.00} for it. I was in so much pain that I said no. He told me that a portion of the vial that he had applied around my XXXX was left and that he would keep it for me. Later that day I started to notice significant XXXX XXXX XXXX XXXX XXXX. I tried to call XXXX XXXX several times to inquire about the XXXX XXXX XXXX. At no time did they return my phone calls. Therefore, due to the fact that they never did my XXXX as I was scheduled for and their lack of customer service I put a stop payment on the check. When they realized I had put a stop payment on the check they finally called me. When I asked about the balance of my vial that XXXX XXXX had said he would hold onto for me they denied having it. They immediately turned the bill over to collections without ever attempting to resolve the issue of my XXXX not being done at all. 

I spoke with Valley Empire Collections on XX/XX/XXXX and was told that XXXX XXXX would provide me nothing in writing. In addition, I was told that this debt had only gone onto my credit report on XX/XX/XXXX. Contrary to that statement this debt has been on my credit report since XX/XX/XXXX causing me problems with my credit score. I find this odd as I did not go to XXXX XXXX until XX/XX/XXXX. One month elapsed before it was put on my credit record with no attempt on their part to resolve it.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I would like to file a complaint against my mortgage company : Nationstar ( Mr. Cooper ) XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. # XXXX. 
My former mortgage company, XXXX XXXX transferred my loan as of XXXX. of XX/XX/XXXX to Mr. Cooper. My last payment of {$840.00} ( principal {$350.00} & interest of {$490.00} ) was made on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX I made my first payment of same amount to Mr. Cooper for the month of XX/XX/XXXX. My next payment for the same amount was made on XX/XX/XXXX for the month of XX/XX/XXXX. All of these transaction was made through my XXXX XXXX XXXX, I have the monthly bank statements. 
At the end of XXXX we decided to payoff the mortgage, a wire transfer was made on XX/XX/XXXX to Mr. Cooper for the amount of {$190000.00}. I noticed that they have added a full month of interest to the payoff amount. I questioned this added interest and I was told that their accounting people will sort through and I will be reimbursed. 
The only reimbursed amount I received is {$110.00}, I think they owe me the balance of {$370.00}. I have paid fully ( P & I ) for the months of XXXX and XX/XX/XXXX. 
I have contacted Mr. Cooper 's office with no result. 
I greatly appreciate your help in this matter. 
The Loan # is XXXX My address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX My Tel. # XXXX My email : XXXX XXXX