davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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)

I am writing to delete the following inaccurate, 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2021-03-18
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. (MS)

XXXX XXXX is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. XXXX is reporting the date of last activity on XXXX as XX/XX/2019. Equifax is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX  and Equifax has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Throughout the pandemic I made great efforts to make payments my credit cards. Although not always the amount due, I remained in communication with the creditors, waiting for long periods of time on hold. 
After coming into some money, I paid off all of my accounts in full. Before the next cycle could document all of accounts being at XXXX balances, Chase closed my account citing balances proportionately too high compared to available credit. Except for my student loan balance, all of the accounts were at XXXX balances.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Due to the XXXX XXXX pandemic we called Capital one Auto to see what are options were. We had asked for deferral of payments like other auto loan agency are doing but was told we had to pay XXXX today XXXX and starting XX/XX/XXXX pay XXXX for 3 months. This was after they were told my husband and I were both furloughed due to XXXX  and I'm the only one getting XXXX. They said theres nothing they can do. I also explained that XXXX XXXX has been extremely helpful during this time and has deferred our loan for 120 days. My husband and I bought our vehicles the same day and year a little over a year ago and XXXX  was willing but Capital one response is unacceptable!
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

Equifax has continued to verify information on my credit file without validation, On several occasions by cerified mail i have disputed unauthorized credit inquires by companies i did not ask to pull my credit. There are several accounts on my file that are reporting in accurately. 
XXXX XXXX account that I do not owe these accounts and a tax lien or judgment that they are telling is verified by county court clerk who do not evensend information to the credit bureaus as this info in reporting incorrectly as well as another account for XXXX which i nver had an account with XXXX and asked for proof of my signature verifying this is my account
Consumer complaint received 2021-03-17
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. (PA)

I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my social security card, identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

I opened my account on XX/XX/21 and submitted all necessary documents needed to open the account. Gemini accepted my deposits and allowed me to purchase Bitcoin on three separate occasions which I have attached the transaction history. When I noticed the price of Bitcoin going up I wanted to withdrawal my profit but I then found out that I was not yet verified even though I was able to purchase Bitcoin. It has been a month and I have sent multiple emails to Gemini support and have gotten no response.
Consumer complaint received 2021-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I have reached out to Navient on my student loan account about a month ago. I spoke with the customer service agent about how my account shows an original balance of {$10000.00}, but it also shows a previous balance of {$25000.00}. I have a copy of this information showing the conflict in information. I spoke to the agent and she stated that her and her XXXX was going to review my account and send me a detailed statement/breakdown of my account as well as the original promissory note for my review. I have yet to receive any information from Navient. I have been paying on this loan since 2010, and have made every payment on time. The agent also stated that I was in forbearance, which was untrue because this loan was never in forbearance. I also noticed on my account that Navient did not apply two payments to my principal but only to interest. Also, I don't understand how I keep getting notices for unpaid interest on my account. Also, I noticed that the payment amount differs every month. It shows every month what goes to principle and what goes to interest. This company is known for being untruthful about things regarding information on your account. Something really needs to be done about this company. I believe they are over charging customers and denying customers certain things to keep them bound in bondage to them. This is very an unscrupulous company.
Consumer complaint received 2021-03-18
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: I.C. System, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-18
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. (CO)

Equifax ; XXXX and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (FL)

Quicken Loans took 8m to close out my mortgage re-fi bc the Feds dropped the interests rates during the pandemic and everyone was re-fi-ing. Their loan originator, XXXX XXXX XXXX, pulled my credit 6 times from XX/XX/2020 to XX/XX/2020 with the 7th one coming from Quicken Loans in XXXX. I was told it would not have an affect on my credit but all remain on my credit report and 4 of my 5 credit inquiries in the last 2 years are from them.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Rocket Mortgage did not pay my insurance on time. And, when they did pay it, they short paid it. I spoke with XXXX on XX/XX/13 at XXXX a.m. It was extremely difficult to get her on the phone as it is practically impossible to get a human being in the insurance department. She said she would check into it and get back with me. She has not done that. Instead, Rocket Mortgage is threatening to get insurance for me at a higher price. I'm very upset that my insurance was not paid and Rocket mortgage caused my policy to lapse. I'm even more upset that XXXX has not responded to me or done anything since my call.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood will not release my funds. I have sold all my stocks being that we were in a pandemic I am low and cash and that was my last option. Robinhood refuses to let me transfer my {$6400.00}. I have sent all documentation driver license front back social security a selfie and still nothing. I cant close the account because they wont let me transfer my funds to {$0.00}. Please help. Do not use Robinhood. I have bills to pay as we all and this is just not right. I did not sell my stock just for it to be held and stuck.
Consumer complaint received 2021-03-17
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. (TX)

Account NameXXXX  Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX XXXX  ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedApr XXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EASTERN BANKSHARES INC (RI)

This is less about aggressive tactics and more about repeatedly ignoring our calls to try and pay off the debt while continuing to add interest to the amount owed. My partner and I have been trying to reach Eastern Bank 's debt collection department since XX/XX/2020 so that we can pay off our debt with them. We have been put on hold for over an hour, transferred around to different departments ( apparently none of them the correct department ), and eventually we just get hung up on. We've tried emailing, also no dice. We've never experienced such an uphill battle to try and pay a bill. But then we noticed that month after month Eastern bank is adding interest in what seems like an attempt to restart the clock on the 7.5 year time limit for leaving the debt on our credit reports. All we want is ( 1 ) an actual means of communicating with this company that holds our debt, ( 2 ) an accessible means of paying off said debt, and ( 3 ) we don't believe we should be responsible for the interest that's been accruing while Eastern Bank refuses to answer our calls/ acknowledge our attempts to pay our debt.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

Received a letter from UNIFIN - current creditor is XXXX - {$12000.00}. Saying its from my current bank XXXX XXXXXXXX XXXX . However I bank with them and I do not owe them anything. I have a current open account with them. And Ive never received any thing from them asking me or telling me that I owe them.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC (CA)

Debt unknown. I got a call from XXXX XXXX stating he had legal action against me. He stated they had " certified legal action '' to deliver to me. I called back and got and XXXX answered with only his name and Claims. I asked what company he was with and he stated Bayside Capital. I have never heard of this company and do not appreciate a company who has sent me no correspondence with me stating they will show up at my work or home.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Services, Inc. (TX)

After reviewing the credit report noticed Collections Management continues to report an unfamiliar debt to my credit report. Multiple attempts made to discuss and request verification. With the negative reporting, credit continues to be compromised and lost of creditworthiness.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (AZ)

I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch, they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank, either pay or suffer! I have assured them that if I close the account, I will not be opening a new XXXX with their bank, but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee, but this is also them forcing me to adhere to their terms. All I want is a US Bank credit card on the same line of credit with no annual fee.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AK)

I am trying to un-freeze my credit so I can apply for a Home Mortgage. I have been successful with XXXX & XXXX. I am unable to get my account un-frozen with Equifax. I tried to unfreeze my account starting Friday XX/XX/XXXX on line. This was unsuccessful and I was instructed to contact customer service for help. I called customer service for help at XXXX on Monday XX/XX/XXXX and was told that their system was updating and to call back in 2 hours and they would be able to help me. I called back every two hours for the next 8 hours, still the same answer. On Tuesday XX/XX/XXXX I tried online again and received the same error message. I contacted them again and was given the same information that their system was updating and that they did not have access to it to help me. I asked for the supervisor and spoke with a women that I could not understand very well and asked for her name which she refused to give me but told me when asked there was no one above her and she ran the Global Equifax Corporation. I called again today Wednesday XX/XX/XXXX and received the same information that their system is updating and they don't have access to un-freeze my account. As a side note my husband was able to un-freeze his account on Monday the XXXX and can still log into their system on both the XXXX & XXXX. Subsequently I lost my 2.5 % interest rate lock for my mortgage refinance. I am at a lose and don't know what to do. Who do I get my Equifax account un-frozen? I asked them to delete my account so I could obtain a new one and again was told they don't have access to any system that would allow them to do that. I feel like my account is frozen for life. This has had a negative financial burden for me and I'd like to get it resolved. Can you please advise me what steps I should take next? Thank you for your assistance. I appreciate it.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-18
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: ERC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV INC. (MO)

Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.
Consumer complaint received 2021-03-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can equifax just have amounts collections but no names or where they come frome FCRA violations see attachments remove it
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (FL)

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX