davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
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. (CA)

I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

I purchased XXXX of AMP coins on XX/XX/2021 The XXXX was pending until today. The money is gone and I never received the coins. I've tried resolving the issue with the company but their help center is automated and throws me in loop. I can't reach them for help.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2021 my AMEX card was charged a XXXX vehicle transfer fee by XXXX after I tried several time to cancel/withdraw based on the condition of the vehicle. I was told that the car was in pristine condition with no mechanical or cosmetic issues. I requested pictures of any damage no matter how minor. I was told I wold not receive any photos because there was no cosmetic damage. the XXXX representative stated there were no digs, scratches or imperfections. Upon inspection of the car there was obvious paint work and the effort to cover up previous damage.
Consumer complaint received 2017-11-19
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)

In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P. (CO)

RESURGENT/LVNV FUNDING is adding more to the debt its was XXXX now its XXXX it goes uo every month i havent been contacted by this company at all.. please check the debt amount its outrages
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX
Consumer complaint received 2017-11-18
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: EQUIFAX, INC. (TN)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX Telephone Companies
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and Experian ; I made a formal complaint with Experian, and XXXX and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my Experian and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections
Consumer complaint received 2021-10-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

The following collection account on my credit report is fraudulent : Portfolio Recovery Associates, LLC Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, or any factoring company. Portfolio Recovery Associates has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Transunion and XXXX ; I made a formal complaint with XXXX, and Transunion and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX and Transunion reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I opened my Capital One Checking and Savings accounts on XX/XX/21 to replace my XXXX XXXX account. 
On XX/XX/21 I received an email letting me know that there has been unusual activity on my account, and to call the bank to verify the activity. Turns out, I set up a {$20.00} transfer from my XXXX XXXX account that did not have time to clear before I closed the account. This got cleared up and all was well until I got the same notice again on XX/XX/21. 
I called the bank to see what it was this time, and wa informed that they were investigating my {$25000.00} transfer from my business bank account made on XX/XX/21. This was understandable due to the large amount. I offered to have them call my bank, I would verify my identity, and the bank could validate the transfer. The Capital One representative refused to do this. 
I have called several times since, and always got the same story. At this point, it has been 4 weeks since my account has been frozen with no end in sight.
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

I was placed into Collections for an ER visit on XX/XX/2016. I  did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

On or about XX/XX/XXXX, I began requesting an income driven student loan payment plan. On this same day I finished the application and uploaded my XX/XX/XXXX tax return. I received an email from Nelnet stating that I needed to do nothing else and the process can take several weeks to review. I waited for the review to be concluded per the email. 

In XX/XX/XXXX, I received a hit to my credit report for late payment of my student loan and that it was between 90-120 days late. I immediately contacted Nelnet because I did not understand why my loan would be charged as late when I was waiting on them to complete their review. 

A late payment to my student loan account means that I have multiple late payments for the same loan. So I may have 13 late payments which harshly affects my credit. I was able to get the deferment taken care of until the income driven payment plan was finalized. The deferments go back to cover all the dates that there behind. 

I have proof and documentation showing that I had finished the application and was told that it can take up to 3 weeks to get it finished. My taxes were upload proving my income. While I am waiting they just send in the late payment information to the credit reporting agency.
Consumer complaint received 2022-03-31
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)

On my XXXX it states that I am deceased I received a letter from the credit bureau stating that that would be removed from my credit report its been almost a month now and they have not removed it from my credit report it still shows that I am deceased I would like to have that removed from my credit report I have copies of the credit file confirmation number XXXX stating that it been removed from my credit report but every time I check my credit report it is still there Im gon na enclose the confirmation file stating that its removed from my credit report
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I am writing this formal complaint to dispute owing a collection/chargeoff listed on 3 consumer reports from FCO. FCO failed to notify and send validation of the debt or properly investigate the accuracy and integrity of the information it furnished to consumer reporting companies. If proper notification was sent, request FCO send proof of notification/disclosures/original transactions with detailed descriptions via certified mail along with the return receipt. This is a violation as the collection agency ( FCO ) has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) however, the collection was placed on my consumer reports. I was not afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). FCO has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I am revoking all rights of FCO communicating through email/text/telephone calls.
Consumer complaint received 2021-10-05
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. (NC)

The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX Experian XXXX & XXXX XXXX of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Consumer complaint received 2017-11-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (RI)

Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure. 

We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.
Consumer complaint received 2021-10-05
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. (NC)

The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( Equifax XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Consumer complaint received 2019-10-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to TransUnion XXXX XXXX XXXX  XXXX  XXXX met FCRA requirements. In XX/XX/XXXX I went over the credit limit. XXXX XXXXXX/XX/XXXX XXXX were quick to report it to all 3 bureaus. The day after I realized I went over the credit limit I made a payment to bring my balance under the credit limit. XXXX XXXX XX/XX/XXXX XXXX were not quick to inform the 3 bureaus I made a payment. I contacted XXXX XXXXXX/XX/XXXX XXXX and informed they report all payments at the same time to all 3 bureaus. XXXX is behind in its reporting of my payments. How is this fair to the consumer? The positive and the negative should be reported quickly.
Consumer complaint received 2017-11-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (NC)

XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I opened a saving and a checking account in Citibank. On XX/XX/XXXX, I received the card, so I downloaded the App and deposited two checks, one for {$1400.00} ( # XXXX ) and the other for {$550.00} ( # XXXX ). After I made the deposited the bank decided to close my account without any warning. 

I kept calling and they stated that I needed to contact the person who made the checks to re-issue the checks. I asked them to send a letter where they stated that the checks were not good to show. And they said that they can't do that. 

After that, I tried to deposit the checks in another bank ( I deposit the checks through the app ) since Citibank said that the checks were not good. The bank stated that those checks were cashed already. So, I called Citibank and they say to provide the phone number of the company, which I did. to release the funds. If the checks were bad as they stated, why they said : " to release the funds ''. And they said that no one was picking up the phone. 

They also took {$100.00} from my savings account. 

I call almost every day, and no one can give a real answer why they can't return my money.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (GA)

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, Experian & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (NV)

On XX/XX/2019 XXXX XXXX at East West bank in XXXX XXXX XXXX transferred {$50000.00} to my XXXX XXXX trust account ending in XXXX. I have a federal referance number XXXX. A trace was attempted, it's been nearly 3 weeks since it was made, both banks are blaming each other for the missing wire and neither bank is acting accountable or saying if or when the money will be returned, meanwhile I have no money or way to retrieve it.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (MI)

I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false