davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
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. (MA)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, Equifax and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (TN)

I applies for forbearance due to Covid-19 and was advised of the allowed 18mo timeframe and I would need to call every 90 days to reapply if needed, which I did. Now I have started to call the loss mitigation dept to get prepared and get next steps to begin my payments when my forbearance ends for the past 2-3 months however when I call every agent is rude, degrading, I have been talked down to, lied to and tricked into making a payment during my approved forbearance time by being told I was not approved for forbearance, I have been threatened my home will be in foreclosure in 4 days and reported on my credit if I dont pay the lump sum. When I explain I requested forbearance due to Covid-19 I am being forced to prove and/or write a hardship letter on how exactly did Covid-19 effect me. I have been hung up on 3 seperate times. I was sent a giant packet of documents with a direct contact person and number, after calling and leaving 4 messages over 4 day period I received a call back only for the agent to tell me he isn't my contact he simply staples the packets together and has promised me a call back from a different dept who could not take my call because the entire dept was not in.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

GM FINANCIAL XX/XX/2013
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

I transfered {$4000.00} from my bank account to my Paypal account. I made the transfer at XXXX AM on the XXXX of XXXX with the transfer completed by midnight on the XXXX. That never happened. I contacted them and they lied and said an electronic funds transfer takes 5 days. Yet I can send money from them to my bank instantly if I pay a fee. Paypal is simply refusing to complete the transaction and give me my money.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I am attempting to apply for a mortgage. My Experian report/score will not show up. I have called Experian several times and been told that my file is fine and should report. Initially I was told there was a discrepency with my last name. I submitted all necessary documents to update my name but still no report. I have lifted all freezes and unlocked everything. I have had 3 different lenders ( one a year ago and two in the last 60 days ) try to pull my Experian report but it will not come up. No one that I talk to can explain why this is happening to me. I believe it comes up for everything else, but it will not show for mortgage lenders. PLEASE HELP
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. 

The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. 

I am happy to additional information regarding our situation at your request.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

I received a notice from Southwest Credit Systems , LP on XX/XX/2022 claiming I owed an alleged debt to their company in the amount of XXXX I responded through certified mail with return receipt for my own evidence and ask for verification that I owed this debt. I never received a response, according to the FDCPA Southwest Credit Systems LP was supposed respond within 30 to 45 days failing to do so is a direct violation to my consumer rights. I wrote them back a second time and ask for verification again the notice went unanswered again. This agency was supposed to stop all collection activities and reporting to the bureaus until they provided a contract bearing my signature and other documents for verification that I owed this company anything and they failed to do so, furthermore I never gave them permission to report anything on my consumer report according to FCRA 15 us code 1681b that's a violation of my consumer rights as well.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TN)

I have new and updated information, SPRING OAKS CAPITAL admits to furnishing information on my consumer report that it knows or should know to be inaccurate. This account is in a charge off status meaning the alleged debt was canceled, therefore SPRING OAKS CAPITAL should have sent me a 1099 C so that I may report this canceled debt as income, pursuant to the IRS instructions. I, consumer, have never received a 1099 C from SPRING OAKS CAPITAL. Therefore this is not only violations of the FDCPA, but Tax Fraud as well. SPRING OAKS CAPITAL is reporting income, which is inaccurate information on my consumer report. If SPRING OAKS CAPITAL fails to honor my demand in removing this information from my consumer report, I will take it as the violations are willful and noncompliant of federal law and IRS tax instructions and I will seek further remedy such as reporting SPRING OAKS CAPITAL to the IRS for tax fraud and further legal action as authorized by the FDCPA
Consumer complaint received 2020-03-16
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. (OH)

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with XXXX  file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase.com has closed account without reason and locked funds.

I have an account in good standing but Coinbase decided to close it and lock my funds. Several thousand dollars. I know it was silly to trust Coinbase in the first place with a large sum of money. Every time I contact support about the issue I am fed the same auto response. This has gone on for months now and I am not sure where to complain to about this shady company.

Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Please let me know if the matter develops further as we investigate.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (FL)

My credit/XXXX  with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company.

1- My credit score suffers bc they have derogatory info about late payments to XXXX  card from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING.

2- XXXX XXXX also late payments because I had a dispute with XXXX XXXX I paid thru AFFIRM at the time but was directed to that page and did not know what AFFIRM was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX. I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to AFFirm. Affirm i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel Affirm sent me to collections with XXXX XXXX. 
3-I finally paid XXXX XXXX because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Beginning on XX/XX/2022, some individuals unknown to me used the bank routing and accounts associated with my USAA checking account to fraudulently obtain funds from my account. These XXXX checks had been altered in various ways. XXXX of the XXXX checks had the same check # # XXXX. XXXX of the checks actually had my signature, but the check had been altered with something that made a bumpy writing surface. The others didnt have my signature and had been sometimes been altered with others names on the accounts. 
USAA has not pursued these obviously fraudulent checks ; rather they have refused to pursue these charges, citing an on-line document issued by them in XXXX of this year.
Consumer complaint received 2022-03-25
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)

I have informed Equifax since XX/XX/2021 about XXXX XXXXXXXX inquiries on my credit report XXXX XXXX sent me a letter saying that they sent Equifax a letter also telling them to remove the XXXX XXXXXXXX inquiries from my credit report as well as I sent them a copy of the letter XXXX times they still have not removed the inquiries even though XXXX XXXXXXXX the ones that put it on there requested they take them off
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.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. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 11 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Consumer complaint received 2022-03-25
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. (IL)

I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account XXXX has violated my rights as follows 15 U.S.C. 1681, Section 602 A, states one has the right to privacy. 

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account to one 's credit report without written instruction provided to them by said person. 

Further, the company providing the information to my credit report has failed to provide any credible proof that the account belongs to my person. I am requesting that this account be removed from my credit report. Thank you.
Consumer complaint received 2022-03-25
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: Marlette Funding, LLC (FL)

Fraud / Identity Theft 4 Accounts opened fraudulently Best Egg ( Personal unsecured Loans ) # 1. {$15000.00} Opened on XX/XX/2022 # 2. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # 3. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received 2 emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
Consumer complaint received 2022-03-25
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-05-07
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: AES/PHEAA (CA)

I have an issues with XXXX  TXXXX  XXXX XXXX  and FedLoanserving. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from
Consumer complaint received 2022-03-25
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.