davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services has sent me over ten emails and mail stating that i owe them and i dont even know who this company is. I sent them a cease and desist asking them to vaidate the debt pursuant to 15 USC 1692g.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 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.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. 
EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. 
I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX i called chase and informed them tht a deposit was made on my account two checks for XXXX each that i didnt deposit i also informed them that someone attempted to take XXXX out of the account because of an alert i received. They immediately turned my debit card off i was told to go in and see a banker with my social security card and ID which i did it was friday XXXX XXXX. i waited until XXXX XXXX called again i wastd the banker didnt put my information into the system to go back which i did in XX/XX/XXXX, the banker put my information into the system this time as a verification i sid all that continued calling only to be told my account was being closed no explanation i reported the fraud went in to verify my identity and was punished for it like a criminal no explanation my online was cut off they talked to me very nasty and short i dont want a negative mark on my name especially when i did the right thing i didnt withdraw any money i reported it and nothing was done at all.
Consumer complaint received 2021-05-20
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. (NC)

I did not give anyone permission to access my credit but the following companies have accessed my credit report. Someone else has been attempting to get things using my personal information. Please delete all the inquiries listed on my identity theft report.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I obtained a payoff amount by phone on XXXX/XXXX/XXXX @ XXXX which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for XXXX, XXXX and XXXX and including a spread sheet that shows the balance going down after the resolution in my favor on the unsubstantiated charges and then jumping back up by the same amount just a couple of months later.I have been mailing, phoning and even went to the bank to get an explanation. After almost a full year the only response I have received is " It does n't look right. I will check into it '' from the local branch manager and XXXX letter in XXXX saying they were looking into it. There has still been no attempt to justify the charges. 
They have made repeated charges for which they could make no justification since taking over this account from XXXX XXXX. In XXXX they charged late fees when I had cancelled checks showing that I had paid on time. They initially claimed XXXX late payment back years before they took over which I paid, Than they mysteriously found more late payments from when XXXX had the account that XXXX never made reference too and tried to claim them. When I threatened to report this to the banking authorities they resolved the amount in my favor. A couple of months later the same charges re-appeared and again I could obtain no valid explanation.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

This is in regards to Coinbase.com I paid a merchant in ethereum ( cryptocurrency ) and Coinbase claims that the transaction is awaiting network confirmations. It has been over one month since the transaction has cleared. They told me one week ago as of today that theyre working with a specialist on my case and since then I havent heard anything back. Ive sent them at least three emails since then and there hasnt been any response.

The ETH is still sitting in the wallet account that I sent it to, but the merchant cant access it, and neither can I. Coinbase refuses to act ( and wont respond to my emails ). Its honestly as if their customer service department is accountable to nobody.

I tried submitting a complaint, to no avail. I will likely have to take them to small claims court or something ...

Its honestly the worst customer service ever and Ive dealt with many companies ... none have ever had customer service this bad.

They dont even sign their emails with an actual name, which is extremely shady. I will update if and when this is resolved. Im beginning to lose faith that it will.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a
consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-20
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. (VA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; US DEPT ED XXXX {$1300.00} ; US DEPT ED XXXX {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2017-09-26
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. (CA)

I contacted Equifax in regards to a company, called XXXX XXXX XXXX XXXX that has listed a payday loan on my credit report for $ XXXX.I told them this should not not be on my report.I never received any response from them in them in regards to my dispute, it has been more than 30 days.I also told Equifax, that I had paid this loan, more than I owed these people, and I donot owe them any money, apparently they did not do an investigation.I am not sure of the exact date, I contacted Equifax, except in was in XXXXXXXX XXXX, it is now XX/XX/XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. XXXX XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.
Consumer complaint received 2022-02-04
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. (AZ)

I opened a dispute with Experian for my XXXX XXXX XXXX XXXX  account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the Experian dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact Experian to clear this matter up. So, I immediately called Experian and they said ; I can try to upload documentation proof for the dispute or mail the proof to their XXXX XXXX XXXX which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Forster & Garbus LLP (NY)

I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have a PayPal account with {$740.00} that I cant access.XX/XX/2021was the last transaction I was able to make. After that they froze my account saying I can I longer use PayPal and that I have to wait 180 days to get an email informing me how Im supposed to be able to access my money.
Consumer complaint received 2016-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Van Ru Credit Corporation (VA)

The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws
Consumer complaint received 2015-08-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (CA)

I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. 
Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.
Consumer complaint received 2020-06-01
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. (GA)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IL)

American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory.