davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (GA)

This company was well aware that I was in the hospital with XXXX when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX and purse that was retrieved in this illegal repossession.
Consumer complaint received 2020-05-18
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.

I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.

I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU
Consumer complaint received 2022-11-13
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. (GA)

In accordance with the fair Credit Reporting act XXXX ( Accounts and collection agency has violated my rights. 

S.C.1681 section 602 A. states I have the right to privacy. it also states under section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I have unfortunately gone negative in my account due to the hardships my family has had to go through this year. Last month in just one week the bank charged in {$640.00} in over draft fees. In the past XXXX days over {$240.00}. I tried to explain to them a number of times my hardship. Not only do they not try and help refund any of the fees, they harass me with phone calls, are verbally abusive and threaten my family. Today they threatened me and refused to show any compassion. Because of their lack of compassion and understanding not only have they taken over {$1000.00} from me in fees they have caused a financial problem. I will be suing TD Bank
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Unauthorized hard inquiries were made on my XXXX, XXXX, and Experian credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

I have been a loan modification process with flagstar since XXXX of this year. I feel flagstar is stinging me along. I am two months behind and all im asking is to stop the late payments and put me on a repayment plan or lower my monthly payment amount. 

The last straw with them was on monday when i called because yet another letter comes stating my application is incomplete. 

I call and im told im missing documents that I clealry submitted on XX/XX/XXXX. 

Im fed up and dont know what to do
Consumer complaint received 2018-03-14
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: Credit Plus Inc (TX)

I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours XXXX
Consumer complaint received 2017-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.
Consumer complaint received 2020-10-15
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. (GA)

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IA)

On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

A number of items are showing up on my credit report that are inaccurate. I took the time to send debt validation letters to each inaccurate account on my record. Most, if not all of the creditors never took the time to properly validate my debt. Most did not even respond to my validation letters. 

I sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.
Consumer complaint received 2023-07-15
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. (AR)

This is my second request to three Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : 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
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

CoinBase won't resolve my case. I still haven't ever heard from a specialist nor have I had any of my formal complaints responded to. 

Case numbers : ( My dozens of attempts to get in touch with the exchange ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently read that coinbase is a " fiduciary '', ( legal term ). They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. Coinbase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof due to a sim card swap. I had two factor on as well as XXXX authentication but most of my funds were still stolen somehow. I believe there's still money in my portfolio but I still haven't been able to access it. I've re-sent verification weeks ago to reactivate my account but never heard back. If I do hear anything from their team ( which is rare ) it's always just a runaround that they're waiting for their specialist to gather more info before they will contact me. I've been locked out for soon to be three MONTHS now. I was told that they would respond within 15 business days 30 days ago and they are ignoring my repeated attempts to resolve this matter. CoinBase has no doubt effectively stolen my life savings at this point and I don't know what to do next. I've reached out to my local Police Force as well as XXXX XXXX XXXX. I've used CoinBase for six years and I've never in my whole entire life experienced such shady business practices or deplorable customer service. 







After submitting a complaint on their website it reads " We hope there will never be a need for you to refer your complaint for litigation purposes but please be advised that our internal complaints process will need to be completed before any litigation process is initiated. '' Which to me says " We will never unlock your account so you can never sue us. '' CoinBase is a fiduciary. They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. CoinBase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

I told the Experian, XXXX and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or XXXX XXXX XXXX reporting. I have evidence to prove my case.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CT)

I disputed the negative information on my credit report starting XX/XX/2016. This month my negative accounts were deleted off my Equifax report along with my positive accounts. The only disputes I filed with Rquifax were to get my negative accounts removed and/or corrected. I did not authorize the positive accounts to be deleted or the negative items to be re added. I called customer service on XX/XX/2016 and spoke with XXXX. I asked her to please add my positive accounts back onto my report. She added my positive accounts back along with the negative ones that should have stayed deleted and then refused to correct it. I have attached proof below of the accounts being deleted.
Consumer complaint received 2024-01-20
Product: Credit reporting 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)

I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from Experian, XXXX, and XXXX in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, 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 Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Consumer complaint received 2022-08-15
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. (OK)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.