davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KINGS CREDIT SERVICES (CA)

On or around XX/XX/2021, I was contacted by my brother who informed me that an individual approached him at his home looking for me and asking for my address regarding a health debt. The individual stated they were from an attorney 's office, but would not provide name, contact, or other identification information. My brother declined to give any information and was told that I was being sued. 

On XX/XX/2021, I received and alert from XXXX and XXXX that there was a new address added to my credit file. This address was that of my brother ' home ( previously mentioned ). I have never resided at this address nor have I ever used that address on any of my contact information for any account I have. I filed a dispute with all three bureaus to have the address removed. I have yet to receive any resolve for this issue. 

On XX/XX/2021, I received yet another call from my brother that a different individual came to his home to inquire about me and my whereabouts. He stated the male was in uniform and stated they needed information to provide to the courts. My brother also said that the individual began asking him intrusive personal questions, such as how long he had been residing at that address. 

I have deducted that Kings Credit Services in XXXX, California, are sending representatives to contact my family members. Kings Credit Services have previously contacted me by phone and mail. I have received multiple back to back calls for days at a time ( at least 7 per day ) and have had to block each phone line every time. l have also attempted several times to reach them to settle the debt requesting pay-for-delete. Each time, I am ignored and the amount of the collection continues to increase. The original debt they claim is for {$800.00}. It not exceeds {$1000.00}.

I am filing this complaint as I believe my rights under FDCPA have been violated. The debt continues to be misrepresented as a health or medical bill, in which it is not. Moreover, I do not appreciate the harassment of any relatives or contacts. Please follow up on this request so that we can rectify this situation as soon as possible.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. 

I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX  balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. 

Please investigate the situation for me, it will be greatly appreciated. Thank you! 


Please in
Consumer complaint received 2021-07-25
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. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MS)

ProCollect is not willing to help anyone understand or give accurate information on any account that they have that concerns the consumer. I have been reaching out to XXXX XXXX and he always respond with the same response and has not provided any information I asked of him or XXXX XXXX. I am accused of owing them {$2400.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email containing inaccurate information and never responded back to my request of information. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). As of today, XX/XX/XXXX, ProCollect is still reporting false information on my credit file.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

on XX/XX/21 my email was hacked temporally. I had a Coinbase Account associated with the email. I was able to get control of my email address within a few hours. They never hacked the coinbase account. It was secured through XXXX. I emailed Coinbase customer support to inform them of the security problem. My plan was to switch the email to a more secure email address for the account. They emailed me back and elected to lock the account down. Since that time - now 5 weeks ago. They have not allowed me access to the account. There is money stored on their platform as cryptocurrency. I have no access to the account. They have sent emails stating they have turned the case over to a specialist but have not emailed me anything further. I have filed a separate Coinbase complaint ticket. They said they would respond within 15 business days. It has been 5 days now but I have read they do not respond to these emails and I want to be proactive. Someone needs to investigate Coinbase for fraud. The internet is littered with thousands of similar stories of customers being locked out of their accounts.
Consumer complaint received 2021-07-25
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. (NJ)

Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.
Consumer complaint received 2020-04-24
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. (HI)

I ask Transunion for proof and they never sent me anything ... They report my information to XXXX with incorrect information. They violated the fair credit reporting act ... I ask many times for Mov proof. They are very rude and nasty on the phone.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I disputed a fraudulent account with Portifolio Recovery Associates in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NY)

I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.
Consumer complaint received 2021-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX  : no way to get a hold of dispute process through automated system. XXXX options available are to lift a credit freeze, place a fraud alert, or order credit report or score. To get to the dispute department I have to connect to member services, then get transferred to disputes, then get transferred to special services. This wastes my time and the reps time. 

XXXX : here is the id theft report requested by XXXX. Also attached is the document where XXXX  says they do not have any way to verify who opened the account because they do not have a copy of my id, or a signed application by me. How it can be verified as accurate when they can't even verify who opened the account is beyond me. This will be the third time XXXX  and XXXX  have been notified that XXXX  said they can not verify who opened the account.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 2018-05-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (SC)

Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

They have called me many times saying I paid on a visa card from XX/XX/XXXX-XX/XX/XXXX from XXXX XXXX XXXX which XXXX XXXX XXXX bought. This has never been on my credit report and im not sure how they got my information, but I know for a fact this is not me because I was minor XX/XX/XXXX and I got my first credit card XX/XX/XXXX. They are very rude and telling me " I guess you are refusing to pay your debt '' and that I owe XXXX but they will settle for XXXX. This is not right!!! They call me daily ... this is not my debt. I have had identity theft before but not in XX/XX/XXXX. I was stil in high school.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (NC)

XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (FL)

VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.
Consumer complaint received 2021-07-11
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. (NJ)

I am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (PA)

Regarding transaction # : XXXX On XX/XX/2021, I remitted money to XXXX through Xoom XXXX Transfer service. They told me through electronic confirmation that money has been transferred and transaction is completed. The recipient told me that the money has not been received. I contacted Xoom and they told me that the money has been transferred. They wanted me to provide a copy of the bank statement of recipient. I provided it. They wanted to me provide another bank statement with all entries in there to prove that funds were not received. I provided that to them. After that, I did not hear anything from them. I have written to them several times with response from them. I am concerned that someone engaged in fraud. Money can not disappear in online transactions just like that without fraud and Xoom refuses to pay me back my money.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

AD Astra Recovery has been provided with a cease and desist along with a written request for resolution as the account from original creditor XXXX XXXX reporting with a balance of {$2100.00} was opened as a result of identity theft. Today I received a threatening message from XXXX from XXXX XXXX advising she will take all necessary measures to have me served at work or at my home and that they will use law enforcement if needed. This is unnecessary and aggressive debt collection tactics that are illegal. I have completed the identity theft affidavit and have faxed the information to AD ASTRA RECOVERY XXXX which is their fax number on their website : adastrarecoveryservicesinc.com. They also received a certified letter which I have confirmed receipt
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NC)

I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX  and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.
Consumer complaint received 2021-07-12
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: HYUNDAI CAPITAL AMERICA (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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. (IL)

Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX XXXX reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. The account is listed as a charge off. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.