davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (MD)

Account was never sent to collections. Account remained at my home office location until the loan was paid off. I fell behind prior to XX/XX/XXXX. The account was deliquent but remained at the same office. I spoke to the same loan specialist every time I called to make a payment and that was the same loan specialist that set up my loan. In the beginning online. My account was never sold to a third party for collections. 

Mariner Finance is reporting to all three credit bureaus that my account is collection account. 

Prior to XX/XX/XXXX I fell behind in payments. XX/XX/XXXX the branch manager told me that the account was in danger of going to court for collections. I paid the past due amount in XX/XX/XXXX. Mariner Finance incurred {$34.00} in court fees. They said I had to pay it at the end of the loan. But every month they said I was past due {$34.00}. The court case was canceled because I made payment XX/XX/XXXX. I continue to pay the payment on time for the next year. 

It shows on my statement attached that I paid the {$34.00}. At the end of my loan when I paid it off my branch manager said that I was not responsible for the {$34.00}. 

They need to remove that My Mariner Finance account was a collection account. They fail to properly report my credit to the credit bureau. 

You can see on my statement that was mailed to me from the branch manager with a letterhead. It states that I made a payment every month either by phone or by ACH. I didn't receive any collection calls to receive the payment and when I called they never notified me that the call was an attempt to collect the debt. Whenever I called they told me I was in good standing. I was current every month from XX/XX/XXXX until it was paid off XX/XX/XXXX. 

The definition of a collection account is the transferring an account from the original creditor to a third party. This never happened.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CO)

XX/XX/XXXX is got an email from paypal that my account has been permanently limited. I contacted customer support twice I've never even got a reason why. Customer support said those decisions are made in the back office and they cant even access them. I got an email from them today saying my account is still permanently limited a be in cant use there service for anything including my own money. My account has XXXX dollars in it. My social security checks are direct deposit. I desperately need the money to pay my rent and utilities. I have no other money. 
My phone was stolen and they were able to get into my paypal account and make purchases. I informed paypal of this. they are punishing me for something someone's else did. I never violated any of their policies. I can't believe they can actually take my money. im on a very desperate situation. Ill be broke and homeless in a few days. Im a XXXX veteran.
Consumer complaint received 2022-06-09
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. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-08-03
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: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2018, Midland Funding added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature of this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Midland Funding has violated my rights as a consumer, and I am requesting legal action to remove the account immediately.
Consumer complaint received 2018-05-16
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. (MD)

XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.
Consumer complaint received 2022-07-29
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. (TX)

XXXX XXXX XXXX : account balance XXXXXXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (OK)

I recently wrote a letter to Equifax, informing them of their delinquent investigation. I disputed the below account in XXXX of 2021. 
XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # XXXX Amount {$840.00} I have multiple reports from XX/XX/2021 to XXXX that show that the investigation was not completed. I sent them a certified letter ( USPS tracking number XXXX ) dated XX/XX/XXXX informing them of the delinquent investigation, advising them to remove the account because per Federal regulations accounts must be investigated within 30 days. They did not do that. 

I followed up with an email to their XXXX office. I received an reply from their general customer service email that the information would not be removed. Please see all email attachments. Equifax did not complete the investigation in XXXX. My reports still say the " reinvestigation in process ( see attached )
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

On the XX/XX/XXXX, I attempted to make a purchase of XXXX USD of  Ethereum on Coinbase. Coinbase rejected my purchase ( directly linked to my XXXX XXXX account ) due to " insufficient funds '' in my account. First, I did not have insufficient funds, but secondly, and MOST importantly, the XXXX USD was still withdrawn from my account by Coinbase in a wire transfer. I never received the Ethereum. 

Two days later, I called Coinbase and was immediately informed that this was a " glitch '' in their system. The customer service representative kindly informed me that Coinbase would wire me the full amount in 3-5 business days. After 6 business days, I called another representative, who informed me that because of issues with banks, the transfer will actually require 10 days. After day 11, I called again, and was informed that nothing has happened, but that " a case specialist '' is working on my case. 

I called back a day or two later, and they asked me for pictures proving that the money was actually withdrawn. After rendering the pictures, I was informed that I would be receiving the money very shortly. I called back a day later, and they informed me that after sending my pictures, the company had " escalated '' my case, but due to large volume of " new users, '' it might take some time. 

I finally called back on the XX/XX/XXXX, inquiring about my case. The customer service rep informed that there were no new notes, and that actually, a case gets " escalated '' the second that a rep and customer file it in the system. This is problematic, because it means that by submitting pictures of my account, nothing new actually happened, and it appears that I'm no closer to a resolution and a return of my XXXX XXXX. 

As of now, Coinbase has {$1000.00} of my money, without justification or purchase on my end.
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (TN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance : {$430.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Fleet Financial, Inc. (CT)

I was refinancing my XXXX XXXX XXXX through ilending Direct and signed off on all my paperwork and they are a loan broker who works with various lenders to get approval! They got approval sent me all the paperwork, I reviewed and accepted the loan offer, this was approximately 3-4 weeks ago! They assured me at that time my current loan would be paid off so that I would not have to make a payment to the current lender, yet here we are almost as I said 3-4 weeks later and the new loan has not been funded and my payment is coming due with my current lender. I have contacted ilending several times about this and they keep advising that the lender is behind in funding loans, I have advised that my current loan payment is coming due and I need this loan funded as I was told so that I am not making the current payment and then have to make another payment in 2 weeks to the new lender! I spoke with them again today at XXXX XXXX XXXX  Thursday XX/XX/2022 and still do not have any answers! I am making this complaint because I have yet to be funded on the new loan and not getting satisfactory help from the lending broker who brokered the loan and really need this taken care of so not to mess up my current credit score because they are not handling this situation completely! Thank You!
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/2022 XXXX XXXX / {$0.00} / XX/XX/2022
Consumer complaint received 2022-04-12
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. (IL)

XXXX XXXX Bank - XXXX 2021 an unauthorized inquire.. 

XXXX XXXX XXXX XXXX 2021 an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-04-12
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. (MI)

Hi I am submitting this XXXX 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 XXXX 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 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible
Consumer complaint received 2022-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Loan department issued a cashier 's check to me but will not inform me where the funds from the check went. They put a stop payment on the check, but did not send the unclaimed funds to the state, they kept the funds and did not account for the funds when I inquired about cashing the cashier 's check. 

The issued me a cashier 's check but put a stop payment on the check without explanation or accounting for the funds..
Consumer complaint received 2022-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account Name : Capital One Bank Account Number : XXXX In accordance to the Fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 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.

Capital one has two accounts on my report with two different balances with the same account number. They deleted the account from XXXX  but still havent removed it from the other reporting agencies.
Consumer complaint received 2022-08-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (FL)

I am XXXX XXXX ( XXXX XXXX ), and I am submitting this complaint and there is no third party involved. 
I, XXXX, am a natural person consumer, and original creditor of an open-end credit plan was denied the right of disclosures to include the right of rescission as well as other violations of several sections of United States Code Title 15 chapter 41 consumer protection laws by Gateway Mortgage Group a division of Gateway First Bank , a debt collector, by unfair, deceptive, and abusive practices against me a consumer by misrepresentation of consumer credit transaction 15 U.S. Code 1641 ( c ) ; ( g ) ( 2 ) as unfair practice to deprive me consumer of informed use of credit and right of rescission of 15 USC 1635 ( a ). 

On XX/XX/2022 received complaint response from XXXX XXXX Financial Examiner/Analyst II Division of Consumer Finance Office of Financial Regulation for case number XXXX who advised to pursue remedy via Oklahoma State Banking Department who returned a response the day following the foreclosure sale as exhibited by the uploaded supporting documents. 

On XX/XX/2022 the debt collector initiated an illegal action following several complaints for violation of my right of rescission and violation of the privacy Act by furnishing without consent my personal health information to unaffiliated third parties in violation of 15 USC 1692c ( b ) and by implication of communication by attorney in violation of 15 U.S.C. 1692e ( 3 ) in dishonor my exercise of my right of rescission pursuant to 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) as a result of 15 U.S.C. 1692e ( 2 ) ( A ) ; ( B ), unlawful conversion of my consumer credit transaction to foreclosure on my place of abode misclassified as real property by 15 U.S.C. 1692j ( a ) deceptive forms by summons IN THE CIRCUIT COURT OF THE SEVENTEENTH JUDICIAL CIRCUIT, IN AND FOR XXXX XXXX, FLORIDA CIVIL DIVISION CACE XXXX in effort to justify failure to comply with 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) pursuant to 15 U.S.C. 1692e ( 1 ) ( 3 ) in the implication bonded attorney, uniform judge and magistrate, and process service badge. I have been harassed, humiliated and disgraced as a consumer by the imposition of abusive practices by debt collector fail to produce a rescission form in compliance to 15 U.S. Code 1635 ( a ) exempt from foreclosure/dispossession into the docket as evidence of compliance to validate U.S. Code 1692f ( 6 ) ( C ). Plaintiff was awarded final judgement, and certificate of sale was made to XXXX XXXX XXXX, on XX/XX/2022 despite fulfillment of statutory right of redemption by consumer.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UNITED STATES MINOR OUTLYING ISLANDS)

Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all 3 credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (TX)

XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.