davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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: Neon Newco Corporation (WA)

My name is XXXX XXXX and I received an email about a card on the way in which I never signed up for. I believe this was a mistake or someone fraudulently opened an account under my name.
Consumer complaint received 2018-04-12
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. (IA)

XXXX : XXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX to collect.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

I LOST THE ABILITY TO LOG INTO MY ACCOUNT WITH COINBASE EARY XXXX, TRIED TO RESET MY PASSWORD THEN DISABLED THE ACCOUNT ACCIDENTLEY AFTER CALLING THEIR CUSTOMER SERVICE PHONE NUMBER. 
I FILLED A HELP REQUEST MANY TIMES, I RECIEVED AN E MAIL RESPONSE STATING THAT THE ISSUE WILL BE HANDLED IN 4-5 DAYS. 
SINCE THEN NO RESPONSE
Consumer complaint received 2018-04-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I XX/XX/XXXX, after returning from the XXXX of XXXX XXXX I purchased a home through Veterans Affairs. The loan originally was through XXXX XXXX and later went to Wells Fargo. In the XX/XX/XXXX, I contacted Wells Fargo asking for assistance with my mortgage due to financial hardships. After a couple of months of going back and forth, I was granted a forbearance modification by Wells Fargo. The modification approval ended on XX/XX/XXXX. I made every payment on time. At the time I was granted the modification, it was not explained the the mortgage was accumulating, now making it an even more challenging endeavor to pay the total amount due. I recently retired from active military service onXX/XX/XXXX and was diagnosed as a 100 % permanent and total veteran. Twenty days after the forbearance plan with Wells Fargo ended, they immediately started foreclosure procedures while pretending to be working with me to save my home. After several attempts to contact the person that was assigned to work with me to no avail, on XX/XX/XXXX, I was sent an affidavit stating many false accusations and stating that my home is now in foreclosure. The entire time that Wells Fargo pretended to work with me and having send them certain documents that I thought to be assisting with me saving my home, I found out that I was being bamboozled. Every attempt to speak with someone proved that each and every conversation was like starting the explanation as to what happened all over again. Somehow, each communication with Wells Fargo appeared that the company had amnesia as to any and all conversations. This is no way to treat our veterans that have given their lives in service of this great nation. Wells Fargo unknowing to me, sent proceedings forward to a lawyer asking that a judge grant foreclosure on my property without contacting me or allowing an opportunity to assist in resolving the matter after they promised me time and time again that they were assisting. All the time, they were preparing to send my property that I have been paying a mortgage on on sinceXX/XX/XXXX, into foreclosure. Wells Fargo supposedly sent the documents to a under writer for a decision on further assistance, while in fact, they were using the documents that they asked me to fax over to start foreclosure procedures on 20 days after forbearance modification ended. The loan assistance ended on XX/XX/XXXX. The foreclosure procedures were started XX/XX/XXXX. I have reached out to Wells Fargo several times in an attempt to resolve this foreclosure procedure. This is absolutely no way to treat our veterans that have given their lives in service of our great nation. This is truly an injustice after paying a mortgage to Wells Fargo during my tenure as an XXXX XXXX military member.
Consumer complaint received 2022-08-08
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (IL)

I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (FL)

On XX/XX/XXXX I sent certified mail legal documents including a letter of Administration and a certified death certificate to Discover Bank. I had called their beneficiary care dept. and was told the XXXX. XXXX was XXXX, XXXX XXXX XXXX, UT XXXX. They signed the return receipt on XX/XX/XXXX. When I called on XX/XX/XXXX, the same dept told me the P.O. box number was wrong, and they can't locate the letter. My point is someone signed for the certified mail envelope, what is their policy for mail sent to them with a wrong Box # on it? Why don't they refuse to sign for it, and return it? I of course, believe they do indeed have it, and like any Bank will do anything they legally can to delay money being sent out. How is this legal?
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hello, I have a big problem for me, I hope to help you solve the problems I have an account on Coinbase and my account on the site has been frozen because the site believes that I am in XXXX and XXXX is subject to sanctions, and I am a resident of XXXX, XXXX, and I have uploaded all the official documents that prove that I reside in XXXX because I wrote support and my case was not answered within 12 days. Nor can I get my money from XXXX. The sum is XXXX I wish with all my heart your help, with my sincere thanks and appreciation
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Bank XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (OH)

PURCHASED HOME IN XXXX FOR {$39000.00}. REFINANCED IN XXXX WITH XXXX BAL INCREASED ON MORTGAGE TO {$76000.00}. ENTERED INTO HAMP AGREEMENT WITH XXXX XXXX BALANCE INCREASED TO {$99000.00}. XXXX SOLD MORTGAGE. 
BSI MORTGAGE SERVICER. DEBT FORGIVENESS OF {$44000.00}. WHY DID THE HAMP AGREEMENT INCREASE MY MORTGAGE AMOUNT? HOW DO I DETERMINE WHAT IS THE ACTUAL MORTGAGE BALANCE WHEN MORTGAGE SERVICERS CHANGE EVERY YEAR?
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX Account No. XXXX On XX/XX/2020, A company is shown as PORTFOLIO RECOVERY A was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitors creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. Im looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2018-10-12
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: EQUIFAX, INC. (FL)

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the Equifax Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. XXXX  is reporting outdated info XXXX  bought the debt and is reporting dates wrong and outdated information.

All of which are aware. We have a recorded conversation with a XXXX   Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4 times? That is a Clear Violation. XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Consumer complaint received 2022-06-25
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. (NC)

n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions
Consumer complaint received 2022-09-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (NY)

Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7.  Creditor has not been able to provide any verification to support that it was sent. 

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. 

- When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. 

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.
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 — Information belongs to someone else
Company: Affirm Holdings, Inc (IL)

I contacted XXXX regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed XXXX I was never associated with this company and this was identity theft. I proceeded to dispute this debt with XXXX and also called Affirm to get details on the debt. I provided XXXX and Affirm with a FTC identity theft and a police report. I was told by a representative from Affirm that the account was under investigation. On XX/XX/2022 I received notification from XXXX that my dispute had been resolved and the Affirm debt would remain on my credit report. I was told to contact affirm again regarding this matter. I contacted affirm and I was told this account should have been removed from my credit report. XXXX keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (MI)

I was XXXX and charge for a crime that was eventually closed out do to my XXXX  being completed in XXXX. My conviction record was supposed to be sealed because of completion. The only thing that companies keep finding is my arrest record. Im not sure Why XXXX denied me when my case was closed amd threw out? Haven't been in trouble before or since that incident. If you need documents to verify my XXXX  terms and release thats find. Just tell me what exact information you need so i can send it end. I want my XXXX up by the beginning of XXXX
Consumer complaint received 2020-12-12
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)

XXXX XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$4600.00} Balance Updated - Original Balance {$4600.00}
Consumer complaint received 2021-04-06
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. (OH)

In XX/XX/2020 I received a copy of my credit report from XXXX, XXXX, and Equifax. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.
Consumer complaint received 2022-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I am on my second payment cycle with Mr. Cooper mortgage and have had a double payment taken out. 

With just a short amount of research, I know that Mr. Cooper has been claiming they will fix this shortcoming since XXXX of 2021. 

I believe Mr. Cooper is a deeply dishonest company and Im frustrated to have to deal with this on my second month with them. Especially given the fact that they have a history of taking advantage of their customer base.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (IL)

This complaint is to XXXX, XXXX, Equifax. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Consumer complaint received 2023-07-31
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (OH)

This is in regards to my previous complaint with Key Bank regarding transactions from XXXX. You keep denying my complaint because you say I made a phone call authorizing the transactions. I NEVER MADE A PHONE CALL TO YOU!!! First of all, I 'm deaf and the only way I could have called you is on a relay service. Secondly, I never use relay services because they 're not user-friendly in my opinion. That 's why I only use text to talk with people. Much easier. 

I really am shocked that you 're making a horrible situation worse by being so difficult. 

Also, I 've been doing a lot research on this so called company. It 's not too difficult to see this is just a scam. Do a XXXX search on XXXX and the first thing that pops up is XXXX scam!!! They 're an illegal entity. They 're supposedly a stock broker of some sort but they 're not registered anywhere. I urge you to contact the SEC at XXXX or the CFTC at XXXX. They will both tell you the same thing I just did. So based on this alone, the charges from XXXX should be null and void. They should never have been able to go through in the first place!
Consumer complaint received 2020-12-12
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

This was a secured account they had a deposit on the account for XXXX I stopped paying because the interest was crazy the balance was much lower than the XXXX originally put to secure account they kept the balance I should be considered even