davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
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: EdFinancial Services (GA)

My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The problem is with Equifax. I have been having no score with them since XXXX. They are currently reporting no date and late payments with my student loan accounts 4 different ones. I contact XXXX  they said they are reporting on time payments. Since i recently been having problems with Equifax i am sure they are the ones reporting late payments and NR for all on time payments. I am in the process of buying a home and the next step will be to sue Equifax. I been on hold 1hr 28 mins after speaking to controller XXXX and shes rude and i was still asking questions and she just transfer my and im just waiting for supervisor. Im sure they will answer after 2 hrs and then phone will just hang up like always. They are going to say they are sending i. Whatever XXXX is reporting but i spoke to 3 different people at XXXX and on the XXXX  and XXXX  i have on time payments. I am demanding Equifax to update all my ontime payments and remove no report and late payments for XXXX XXXX my ssn is XXXX XXXX XXXX. Equifax is terrible and they should be ordered to close down. Im sick and disgust with them since XXXX. 

FIX MY REPORT XXXX IS NOT REPORTING LATE PAYMEMTS ITS YALL TERRIBLE SYSTEM
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

In XXXX buy XXXX euros of XXXX  on the exchange coinbase in bank transfer. The next day they sent me an email that my account was under review, so far perfect. I saw that the days were passing and my account was still under review, until yesterday, XX/XX/2021, when they removed my resvision and I could now operate. But today XX/XX/2021 they have put me under review again and I don't understand why. I would like to have the review removed because I need to have my money.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NV)

On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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 — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.
Consumer complaint received 2022-02-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LOAN CARE XX/XX/XXXX sent to me on a new loan account XXXX with at top right loan # XXXX and # XXXX then added XXXX in front of that # XXXX from XX/XX/XXXX to XX/XX/XXXX i made payments on the 5 th of months XX/XX/XXXX to XX/XX/XXXX never late XX/XX/XXXX to XX/XX/XXXX when i saw the XX/XX/XXXX payment sent back in mmy account as a loan care refund XX/XX/XXXX .I tried all of the numbers no one could give me any answers.I called the corporate office ( attached is my phone bill ) stayed on hold twice XXXX minutes 2nd time XXXX minutes. After many transfers i was able to get their reason.See the loan care notes from the file i insisted on.They claimed they sent letter to have me send payments to a different address.I was not at home in XXXX OR XXXX until i did receive a notice of default I had set up my bank acct bill pay automatic.When the refund came in i was in shock.Not even a phone call.I made another payment after XXXX PAYMENT XXXX POSTED OK XXXX XXXX XXXX I SET UP A BILL PAY FROM MY ACCT AT SAME BANK WITH DIFFERENT BANK ACCOUNT NUMBER to be just for this payment ..somehow i did it so it was making double payment..Finally after so many calls the new servicer XXXX XXXX XXXX FINALLY IN XX/XX/XXXX gave me a correct loan # and where to pay .DOUBLE PAYMENTS FROM LOAN CARE 20 days after the double payments redeposited into my account..Loan care should have forwarded payment then send me a letter.NEVER HAPPENED THAT WAY. I ALSO RECEIVED from Loan care a letter claiming i had no insurance for my CONDOMINIUM TELLING ME HOW EXPENSIVE IT WOULD BE.Again hours on the phone.They had a binder from my agent in escrow that closed XX/XX/XXXX with the TRUE INFORMATION THIS IS NO CONDO I HAVE HAD SAME INSURANCE COMPANY SINCE XXXX .Been owner sice XXXX .Single family residential fourplex .conforming in a neighborhood of the same kind or property. LOAN CARE REFUSED TO SEND ME CORRECTED TAX INFO WITH THE THREE PAYMENTS MADE IN XXXX. I have a copy to put with this.Showing proof of all that i just said .Loan care refused to give me any of my information .Loan Care refused to correct the transfer of payments or correct the tax mortgage % statement.Loan Care i just ran my credit which is NO LATE PAYMENTS ANYWHERE ON MY CREDIT loan care put three late payment XXXX 1 in XX/XX/XXXX when i was paying double because of the wrong information and four different loan numbers all for XXXX XXXX .Loan Care does this to make it look like you are behind in payments ..Refuse to fix the errors they make.
Consumer complaint received 2022-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/22 an XXXX credit card was opened in my name for XXXX. I did not apply for this card. 
I have reported it to the credit card company. They have frozen the account and I have started to contact the credit report companys.
Consumer complaint received 2021-03-04
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: WELLS FARGO & COMPANY (UT)

I bought a XXXX XXXX XXXX in XXXX, Utah, I got a car loan through WELLS FARGO CAR DEALER SERVICES, now called just Wells Fargo. 9 before they used to say there were not part of Wells Fargo and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. Wells Fargo stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with Wells Fargo even though everyone in this country knows Wells Fargo is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXXXXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

I had a missed call on my cell phone. I called back and a gentleman answered. I told him I had a missed call. He asked me if my name was - I said it was 35 years ago. He said Im with Citibank. We sent you a letter XX/XX/XXXX and you ignored it and you have a court date XX/XX/XXXX. I said I have no idea what you are talking about.. he got really nasty and said I CANT HELP YOUR XXXX. i hung up. I truly have no idea what he is talking about.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021 Mr XXXX XXXX paid me {$21.00} for the btc buy and sell transaction, 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 days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently before the Covid pandemic. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I pulled my credit report a few months ago and realized inquiries reporting that I didn't contribute to. I have disputed the inquiries with the all three credit reporting agencies because i have never done business with the said companies and Equifax is the only company that refuses to remove the inaccurate information. Each time i've disputed, I receive what seems to be an auto generated response, which means that the items haven't been investigated. The following inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2018-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Citi bank offers XXXX transfers to other bank account holders without any type of protection. I made a transfer to a person by the name of XXXX XXXX who has a XXXX account. This person is charging multiple people for the same tickets never providing them with the tickets. I immidiatetly contacted Citi bank but was shut down within seconds satating they are not held liable for XXXX transfers. It baffles me how a bank could offer a transfer service and then state to their customers there is no protection against fraud. The persons email conducting the fraud is XXXX.
Consumer complaint received 2022-09-21
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. (LA)

15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO XXXX / XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

There is a negotiation and fees listed 3 times for 2 months, different XXXX charges they couldn't find while searching for numbers etc. I emailed the company for negotiation to get my money back and to ask them to stop charging my account I did not give them permission I contacted TD bank. They gave me one credit if XXXX. My dispute was for XXXX in total with charges they denied my claim. I submitted another one still nothing after 10 days. I'm angry. I shouldn't have to ask more than once for my back to fix a problem.
Consumer complaint received 2022-08-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 2021-03-03
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. (CA)

XXXX XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX.I have not had financial responsibility on this XXXX XXXX XXXX XXXX XXXX XXXX. XXXX passed away in XXXX of XXXX and now XXXX  XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (FL)

Jefferson capital/XXXX calls everyday and demands payment. I have told them that there is no money left to pay anything else they said they would send to legal to sue me. this started XX/XX/2021 in the amount of over {$1000.00},
Consumer complaint received 2022-09-21
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. (DC)

I am a victim of identity theft. There was a car loan that was taken out with XXXX XXXX The company listed on my credit report has 2 different names XXXX XXXX XXXX and XXXX XXXX XXXX The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.
Consumer complaint received 2021-04-30
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (NJ)

We have attempted to modify your loan through Selene Finance. Selene claimed that they can not review the modification package because the package was not submitted within the required time frame of the sheriff sale date and that they wouldn't have time to review it. We have a pending sheriff sale which we got postponed twice and submitted a package in the appropriate time frame. We were previously working with a lawyer at the time that claimed he was working on this modification for us, but it turns out he never was. We are now taking proper steps to get this done and we are hoping to at least get a fair review for a modification this time around.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX XXXX Escalations Team
Consumer complaint received 2021-05-23
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 ()

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 effecting me a great deal as I used PayPay quite frequently. My email ink to my PayPal is XXXX XXXX