davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I found a credit card account on my credit report that I did n't recognize as one that I ever had. It is reported as a Charge Off and is seriously affecting my ability to get credit. 

I sent Bank of America a letter requesting validation of this debt on XX/XX/XXXX and I received no response. I also pulled a copy of my credit report on XX/XX/XXXX, 31 days after they signed for my first letter. They had failed to mark any of the bureau reports " disputed '' as they are required to do by the Fair Credit Reporting Act. 
I sent a second letter on XX/XX/XXXX requesting validation again and reminding them of their responsibilities, this was signed for on XX/XX/XXXX. I still have not heard back from them about this. All of these documents, including the letters, bureau reports from XX/XX/XXXX and proof of delivery will be attached in step 3. 

They have not responded since, this is unfair that they can just put this item on my reports and they are violating the law by not reporting that I have disputed this information.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-25
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 XX/XX/XXXX Shell Point Mortgage began to report a negative payment record to XXXX and XXXX I have never had a mortgage with Shell Point but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to Shell Point back in XX/XX/XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Im a XXXX XXXX  who is unemployed and not able to pay the credit card debt. I will like if you can please leave me alone and stop contacting me until I can find some work, thank you
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IL)

I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.
Consumer complaint received 2017-09-13
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. (KS)

I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TCF NATIONAL BANK (CT)

I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up
Consumer complaint received 2023-04-04
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TCF NATIONAL BANK (IL)

I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and TCF I am so lost at this moment because I never even had a account XXXX would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Last week on XXXX XXXX, XXXX when they had the report of hacking, I was informed ( by putting in my information XXXX that my information was compromised. I also have unauthorized inquiries on my report starting on XXXX XXXX, XXXX. I contacted Equifax and since I did not get anything accomplished, I added the security freeze on my account. I paid the {$10.00} fee. Seeing that it is Equifax 's issue that has made my personal information vulnerable, I should not have to pay for the freeze.
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)

I 've disputed this in numerous times, the two entries of a XXXX account on my Equifax report ARE NOT MY ACCOUNTS, Equifax claims to have verified these accounts as being mine when in fact they are NOT my accounts I was listed as a authorized user and in fact Equifax states on the reporting im an authorized user ... I want this mistake corrected and removed immediately
Consumer complaint received 2017-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a home loan for $ XXXX in 2004 with XXXX XXXX. They file bankruptcy soon after. A company out of Texas called Caliber Home Loans continues to fail to document my payments and correct loan balance and does not own my loan nor do I owe them anything per the FDCPA, they are simply debt collectors acting on their own behalf and need clarification to all of thisXXXX XXXX XXXX XXXX XXXX claims to be the Trustee for XXXX XXXX XXXX XXXX out of Delaware, but I have not seen any documentation whereby they have paid any consideration nor bought my mortgage. I have a group of Attorney authorized on file and they have failed to send them the requested documentation. Right now I would like an update of my alleged loan balance and escrow account with this company, along with a copy of all documentation requested by my Attorneys.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX XXXX I withdrew using XXXX the amount XXXX to my XXXX account ( # XXXX XXXX XXXX NWBK XXXX XXXX XXXX XXXX ). XXXX convert this to XXXX XXXX XXXX XXXX. I had an email saying the funds would be available XXXX XXXX XXXX. XXXX XXXX after the funds did not arrive I raised a support request through their website Support XXXX # XXXX. On XXXX XXXX I received a reply saying " Thank you for contacting us about this. 
We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 
Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' XXXX XXXX I received " Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 
Thank you for your continued patience, and sorry for any inconvenience caused. '' Since then I 've received nothing on this ticket and they will not reply to requests for updates of where my money is or when it will be returned. I 've tried twitter and the BBB and the replies I 've had via BBB have just stated there is an issue and nothing else. 

I can see that many more people are having the same issue and although the status on their website says there are no issues obviously lots of people are suffering from this company.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery is stating I owe a debt of {$650.00}. I repeatedly disputed this claim several times via mail over the past year because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have been back and forth with this company and finally resolved the issue ... yet again the irroneous information has been added back and they have tripled the accounts by that I mean they are reporting two and three times to total a whopping 39 IVE DISPUTED AND SUBMITTED EVIDENCE SHOWING THESE ARE  NOT MINE ... they kept switching names and addresses and the fair credit reporting laws states that inaccurate information must be deleted permanently to not reappear at the report agencies convenience .... they reinserted with no knowledge or warning giving and these ARE NOT MINE!!! I ask that any and all accounts from XXXX XXXX AND XXXX XXXX BE PERMANENTLY DELETED PER information sent by equifax and XXXX saying they would be ... equifax kept sending me pending results then completion projected dates knowing they VIOLATED MY RIGHTS as to timely due process and THEY DISREGARDED ALL LETTERS I SENT FROM THE SAID COMPANY SAYING THEY WOULD DELETE BECAUSE THEY COULD NOT VERIFY ANYTHING
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lendmark Financial Services (FL)

To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian refused to remove incorrect personal information from my credit report. I called them on XX/XX/2023 to remove the name XXXX XXXX which does not belong to me from my credit report, however the name is still in my credit report. 

In addition, I asked to remove the past address from my credit report because I'm afraid of identity theft but they refused.
Consumer complaint received 2017-09-08
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. (CA)

Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.
Consumer complaint received 2017-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MN)

Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

MRS BPO llc Reported a Derogatory from XXXX XXXX on my credit report today ( X/XX/17 ) that was disputed and removed from All 3 of my Credit Reports 3 weeks ago from another company ( XXXX XXXX ) that was reporting. And to further Add on, This company MRS BPO llc never called me, Never sent me any letters or anything of that Nature. This is a scam and needs to be investigated.