davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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: Experian Information Solutions Inc. (FL)

My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A checking account at Bank of America ( BoA ) was opened in my name tonight XX/XX/23. At XXXX, I received an email from BoA to verify my email address. At XXXX, I received an email from BoA that Weclome to Online and Mobile Banking. At XXXX, I received an email from BoA that my Online application is in progress. At XXXX, I received an email from BoA that my application was approved. I called BoA 's fraud hotline and alerted them of this and they asked me from my SSN and current/previous address. They disclosed that account was open in my name but could not disclose who opened it, or where the location was. They said they closed the account and would conduct a fraud investigation. From what I've read online, the fraud investigations don't amount to anything but I will wait and see.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to Tidewater. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and Tidewater agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with Gap. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, Tidewater, ( which the insurance department with tidewater email indicating that will be the next steps ). I received a statement from Tidewater, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with state farm and gap is currently taking place. I called Tidewater they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with Gap for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from Tidewater indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of Tidewater is hurting my credit score after they agreed to closeout the loan. Tidewater still continues to collect money from me, XXXX and Gap for a loan that was totaled by the insurance.
Consumer complaint received 2020-09-10
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: DISCOVER BANK (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2016-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (SC)

I was approved by the XXXX for XXXX XXXX discharging my student loan on XXXX/XXXX/2016. My loan is total {$29000.00}. According to Nelnet who sent me the correspondence asked me to review the student loans that they have on file and check with Navient who XXXX XXXX transferred the loans to them to make sure they have all the loans. I did contacted XXXX and spoke with a representative and was told Nelnet was given all of the loans which is {$29000.00}. Nelnet told me that they will communicate with me. I went on my account for Nelnet and saw another company I am not familiar with XXXX
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (AZ)

XXXX has prevented me from accessing my account and making an interest-payment for the year 2016. I 've contacted them over-the-phone and they are in disarray, do n't know how to calculate the interest and do n't know what is wrong with their website. After speaking with a representative, she attempted to calculate the interest payments by-hand, but I am not confident as the numbers I received are inconsistent for the given timelines.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I applied for the XXXX  over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discriminated against.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

Lyone, Doughty, and Veldhuis LLP sent me through the XXXX  County Court System a notice that I am being sued by them. Inside the notice they did not send enough information to verify the debt such as : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Attached you will find what they sent me which is clearly not any of the above.
Consumer complaint received 2018-12-04
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. (NY)

According to my recent credit report request from Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Experian XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX Experian XXXX XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX  statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Consumer complaint received 2017-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I heard about the new bitcoins increasing value and that it is a good investment specially if I do n't have a big investment budget, so I decided to try it and start my account with coinbase.com and made XXXX purchases. The first purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$910.00} USD ) and it was available in my virtual wallet on XXXX XXXX XXXX. The second purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$300.00} USD ) and it was available in my wallet on XXXX XXXX XXXX. My account has been XXXX for no obvious reason over the last XXXX weeks and there is no available customer service phone number to contact and they only provided an email and asked me to send them a photo ID and address proof in order to enable my account back. I did send them an email then they send an automated email back saying they do n't receive any requests or complaint on this email anymore and gave me a link to submit a complaint which was very unspecific and did not even give the option to upload the documents they asked for before. I submitted the complaint and they send they will reply to my complaint in few days and it has been more than 10 days and got not no reply. there is another weird thing that happened. when I started my account I submitted my business checking account to do the purchases through it, but the money were strangely withdrawn from my wife bank account. I thought that I XXXX have done something wrong even though I do n't have my wife checking account information on me. I did not really pay attention to this accident specially that they do n't have a clear customer service to contact to address this issue. right now the value of the bitcoin is over XXXX USD, when I made the purchases it was an average of XXXX USD.
Consumer complaint received 2023-04-05
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. (TX)

I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

At XXXX am PayPal refunded me XXXX USD To my PayPal account saying that the person I tried to pay account was closed. By XXXX am one of PayPal employees assumed I did not notice and stole the money before I could get to it. I want it back immediately and would like to report it. I have attached a photograph of the email I received this morning and the balance 3 hours later when I logged in to check the balance.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.
Consumer complaint received 2023-03-30
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-03-30
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)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} ; 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

My Experian Credit Report XXXX XXXX XXXX  reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.