davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-12-07
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. (LA)

I have an Account appearing on my credit report named XXXX XXXX. I have contacted both the company and the credit bureaus trying to have this removed. The credit bureau kept saying it was accurately verified. I made contact with both the credit bureau-Experian & XXXX XXXX to ask for proof of how. When I called XXXX XXXX they stated that I do n't have an account based on my SSN. When I contact Experian they said the company verified the account. I have sent multiple letters and made multiple phone calls that this info is not reporting correctly on my report and should be removed. 

I have done further research and this company " XXXX XXXX '' is not licensed to collect in my state " Louisiana '' per https : //coraweb.sos.la.gov/XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I noticed in XXXX of XXXX that the 2 payments for XXXX and one for XXXX that I made did not credit my account. The payments were taken from my bank account. I made many calls to the creditor and each time I would need to explain the issue with someone different and each time they would have issues bring up my account. Once in my account they could see the payments were made and would send the issue to the dispute team. 

On XX/XX/XXXX I called in and spoke to a new representative and explained the issues for probably the 10th time. I made a payment then over the phone that came out of my bank account but wasn't credited to my account once again ... Conformation number XXXX. 
The delinquent charges and the fees are piling up. Now I am unable to email them through the site and I have not received any calls about reconciling the issues. 

Other creditors are able to see the delinquent charges. which is hurting my credit score. 

As of my last email on XX/XX/XXXX I am no longer able to even get on the site to send an email. I contacted my attorney to whom gave me your site in hope to reconcile this problem. 

I am attaching all the information and emails with the correspondence I've received.
Consumer complaint received 2023-02-07
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. (MI)

I DISPUTED FRAUD INQUIRIES WITH XXXX, XXXX AND EQUIFAX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX  XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXXXXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXXXXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 2022 XXXX MICHIGAN SCHOOLS AND GOV XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXXXXXX XXXX  XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022
Consumer complaint received 2022-01-06
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. (MT)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

RE : Bof A crdit cards -- XXXX or XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX credited a charge back in US . The choice of denoimination is mine, not XXXX XXXX. This unilateral choice cost me {$80.00} to {$100.00} due to currency fluctuations. XXXX has never responded to this complaint. 

Bank America, in it's wisdom, had declined the claim. I abhor Bof A 's attirtude which just enanles and encourages this typr pf scam by hotels etc. B of A 's position, in my experience, is to default to the vendor. 

Someone needs to look after the little guy. Start with me.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX  and is reporting inaccuracy now as XXXX  and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (AL)

According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy XXXX  has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, Equifax, or XXXX
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

My trading account was closed at Coinbase/XXXX several years ( circa XX/XX/XXXX ) ago for unknown reasons. No reason given. No dialog opened for reconciliation. 

I attempted to open a new account today XX/XX/XXXX and the account was immediately closed, again with no explanation. 

To my knowledge I have not violated any of the Terms and Conditions set down by either company and wish to trade on their exchange as an individual. I am not engaged in any illegal activity or banned businesses listed on the XXXX Terms of Service. 

Their " support team '' is non responsive.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Goldsmith & Hull A.P.C. (CA)

I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.
Consumer complaint received 2024-02-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc. (CA)

On XX/XX/2023, I missed a call from one of the XXXX XXXX XXXX agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

Theagency 's website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.
Consumer complaint received 2021-02-09
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. (GA)

I have been disputing a derogatory mark on my report which has been inaccurate. When I went on XXXX XXXX for seven months it has not been resolved and the information was proven to be in accurate on Transunion. So today on XXXX my credit report dropped 28 points and all my credit card on Transunion showed 6-7 months late. I have 91 total missed payments between 13 credit cards. I have never been late on any of them. I also paid on time and most times paid 3-4 payments each month so the balance was paid in full. I contacted all my credit card companies some said they would file for me some said talk to Transunion. And Transunion never seems to resolve anything.
Consumer complaint received 2018-06-11
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. (AR)

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on MondayXX/XX/XXXX at XXXX XXXX XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX   3. After a few weeks I received notification as " UPDATED ''
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA is showing a negative account being reported from 2012! this should not be on my report. 

XXXX XXXX XXXX XXXX is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof
Consumer complaint received 2017-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I 've been attempting, for better than six months to get my 2nd mortgage servicer, Ditech Financial to seriously engage the writer on my interest to settle the outstanding balance. The process started in XX/XX/XXXX, latest. Only recently have I received a phone call after multiple attempts in both writing and telephonically to get them to reply. I 've also asked for supporting documentation regarding the totality of interest paid and general progress on the reduction of the loan balance. I received nothing I 've been thorough, I believe, in articulating why a negotiated settlement is reasonable. The aforementioned phone call was unsatisfactory only offering a nominal reduction. 

The intent of my complaint is - both - getting the supporting documents as to my total payments made, interest paid and principal paid. And, with that evidence press my case for a more reasonable settlement substantiated by my previous employment hardship ; savings drain yet I maintained the account as current.
Consumer complaint received 2015-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
Consumer complaint received 2024-02-22
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. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-07
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: Lending Club Corp (DE)

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me and my business a great deal as I used PayPal quite frequently. I thought PayPal was supposed to be helping small businesses during the pandemic but they are making it hard for my small business. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

My XXXX  XXXX keeps getting turned down when I try to use it. This occurred 4 times in the past 3 days ( XXXX XXXX, and XX/XX/XXXX. I called the customer service number 3 times and each time the problem was supposed to be resolved. The reason given for the first 3 times my card was declined was suspicion of fraud. The attempted purchases included XXXX online companies in amounts less than {$100.00}. The XXXX decline was for {$170.00} at XXXX XXXX XXXX in my home town. I called after each decline and the hold was supposed to have been lifted each time. Today, I tried to register and pay for my XXXX XXXX at XXXX XXXX but my card was declined again, for unknown reasons. I have always paid my bill promptly, I have not exceeded my credit limit, and I have a very good credit score. This credit card charges an annual fee but has failed to provide the services for which I paid. They have failed to correct whatever the underlying problem is with their algorithms that determine whether my card is accepted or declined.