davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$27000.00}, {$0.00}, {$4300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WA)

The card is tjmaxxx credit card and I never opened an account it says it was opened online on XX/XX/XXXX I just see it in my credit report it says the account was closed on XX/XX/XXXX and the amount owed is {$490.00} as of today I tried contacting and disputing it with the credit card company and havent gotten an answer I never opened this account and it was used in a town I dont live in this isnt the first time my info has been stolen and used please help me its hurt and is still hurting my credit so bad.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (FL)

XXXX  subserviced by LoanCare account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over XXXX points. We were looking to buy a new home, but can't because of my current score.
Consumer complaint received 2021-05-29
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. (FL)

I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false XXXXursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2022-09-03
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)

An account ony credit file was deleted once and then was added back on my credit file. 
15 U.S.C 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S C SECTION 602 A states that I have the right to privacy. XXXX is reporting a late payment on an open account. 15 U.S.C 1666 B states a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-25
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. (DC)

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, XXXX, and Equifax in which they were received and signed for. Equifax with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Consumer complaint received 2020-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I did not receive disclosure agreement until 10 months after funding. The interest rate on same is 99.75 %. I have called Loan me on several occasions to state that this rate is predatory and undisclosed to me at funding. I have also read all the legal findings by CFPB and the courts as to the activities of this company, its owners and all the related companies I have requested the rate be reduced to legal limits. 
I AM XXXX years old and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-08
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. (OR)

I set up my autopayment on XXXX XXXX XXXX website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked XXXX XXXX XXXX  to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (CO)

received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter said i had account with XXXX XXXX bank as XX/XX/2022 i owed the amount of $ XXXXtill now said i owed same amount of $ XXXXand i like to dispute this is not me may bellongs another person on this house
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I tell you what the situation is, I have bought a package for 4 people on vacation through XXXX Itinerary # XXXX on XX/XX/2020, 3 of these people are from the XXXX XXXX, and for reasons of public knowledge due to the corona virus flights were canceled, I would also like to clarify that 2 of the 4 people are XXXX XXXX   since they suffer from XXXX. I have tried to communicate with the company XXXX during the last 10 days without obtaining any response, then when I saw that I did not receive any notification by any means, call the credit card to explain the situation that was happening, I have created a number of case XXXX with them, to follow up, but they informed me that the case can take up to 60 days to give an answer, without me knowing if the answer will be positive or not. The purchase amount was {$5100.00}, which is a very important amount that will affect my personal credit report and interest, since they are not making the return and I must wait all that time. The cancellation of the trip was not due to our problem, but rather something that for the reasons that I have explained, all the borders have been closed, and residents and citizens, both American and foreign, are obliged to return to their country.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

A company by the name of Credit Management LP has called and harassed me viciously regarding a debt they claim I owe to XXXX XXXX. Now they are sending letters to my home claiming I owe {$91.00}.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (RI)

EQUAFAX HAS INACCURATELY AND MISSING DATA FOR MY PAYMENT HISTORY ON MY ACCOUNT NUMBER XXXX UNIVERSITY OF WISCONSIN XXXX XXXX XXXXXXXX XXXX, UNDER THE FAIR CREDIT REPORTING ACT 15 U.S.CODE 1681 STATES : ANY CONSUMER HAS THE RIGHT TO UPDATE THERE CREDIT PROFILE WITH VALID AND ACCURATE INFORMATION.. I WOULD LIKE EQUAFAX TO UPDATE THIS ACCOUNT INFORMATION WHICH THEY HAVE ROOM AND A SPOT TO UPDATE IT. FOR EACH OF THESE MONTHS ... as PAID AS AGREED AND CURRENT ACCOUNT XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I HAVE MADE ON TIME PAID IN FULL PAYMENTS ON EACH OF THESE MONTHS INDICATED.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (IN)

My XXXX XXXX XXXX credit card is now Marcus by Goldman Sachs. I lost my XXXX  XXXX card and called them for a replacement on XX/XX/2022 I was told that the card would be shipped via XXXX and that I should have it soon. 

When I had yet to receive the card, I called Marcus by Goldman Sachs again on XX/XX/2022 and was told the same thing again. 

Here it was on XX/XX/2022 I called them again because I still have yet to receive a card and only keep getting told that it is ordered and on the way. I know it should not take this long.
Consumer complaint received 2021-05-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (TX)

I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report
Consumer complaint received 2022-07-29
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. (PA)

Experian keeps reporting a wrong address on my credit file. This inaccurate information. places my personal information and credit products to be placed at risk as things are mailed in my name to an address that I have never resided.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MA)

XX/XX/2021 I was holding XXXX XXXX XXXX tokens in my Trust Wallet. I transferred said tokens to another wallet with no issue. I transferred again to the Coinbase wallet. The XXXX tokens never showed up in the wallet, although the XXXX transaction history shows the proper accounts were used for the transaction and shows successful. Coinbase was contacted through email customer support. Canned response was received saying they needed more info. Response delivered. Another canned response restating more info was needed. Same reply delivered. No action. Another 'case ' was opened after four hours of no response. Same canned responses received, similar replies sent, twice. No action. Another case opened. Same routine. No actual response or human acknowledgement from Coinbase. The value of the transfer at the time of the original transfer to Coinbase wallet was about {$60000.00}. It is now around {$120000.00} and growing. I have screen shots of values, screen shots of transactions, and most importantly the XXXX transaction hash which shows the entire transaction history. In my estimation, Coinbase either needs to pony up and give me the current value or return the XXXX XXXX tokens to my trust wallet. These tokens were sent to the Coinbase wallet, but never credited to said wallet.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

As of XX/XX/2020 I called In to first progress credit and was trying to pay my bill the one woman was very rude I hung up on her. The next person to help me was fine I paid my bill, got charged the fee again for doing so and continued my day. I believe that the woman was angry after speaking with me and without consent closed my account that was only open for 2 months. After. Any calls I was told this was a mistake and that it would definitely not show up on my credit report as they report the XXXX. I was promised over and over that the account closure was a mistake and it would be reversed in 48 to 72 hours. This company is very very shady and that should not be in business. I have made hundreds of payments on time and have had no issues with any company except them. This company has single handledy in 2 months dropped my credit score from XXXX to XXXX in a matter of 2 months and it is wrong I've do e all I can to reach out but they are bullying me and effecting my life over a simple XXXX dollar prepaid card. On top of the fact that I believe they have sold my personal information.
Consumer complaint received 2022-09-24
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. (IN)

I was a XXXX  girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (MD)

Today XX/XX/2022 I called XXXX  XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, account, amounts listed an remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NV)

American Express is committing so many violations against my rights as a consumer. 
They are reporting incomplete information, and they have failed to investigate the account I am disputing, which is the following : American Express account # XXXX, limit {$22000.00}, opened XX/XX/2014.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (CA)

First National Bank of Omaha acquired an account from XXXX XXXX XXXXXXXX. I was unable to make a payment to XXXX XXXX XXXXXXXX XXXX XX/XX/2022 because of the acquisition. I have not received a card or a statement from XXXX regarding a payment due XX/XX/2022 and had no account information and so could not proactively make a payment. My first official contact with them was the following statement indicating a late payment and penalty. I am currently on hold with them trying to address the issue.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-03
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: Navient Solutions, LLC. (CA)

In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX and XXXX it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XXXX XXXX  90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the Navient agent doesnt know basic math, anyone can see its incorrect.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 Equifax 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 2021-09-02
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (KY)

I have disputed the inaccurate reportings with XXXX, Experian, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.